Humana medicare review searches spike every fall as millions of seniors compare Medicare options. Humana Inc. is one of the largest health insurance companies in the United States. The company was founded in 1961 by David A. Jones Sr. and Wendell Cherry in Louisville, Kentucky. It originally operated nursing homes before transitioning to health insurance.
Today, Humana serves over 8.2 million Medicare members nationwide. The company offers Medicare Advantage, Medigap supplement plans, and Part D prescription drug coverage. Humana operates in 48 states plus Washington, D.C. As a result, most Medicare beneficiaries can access Humana plans in their area. This humana medicare review examines the company’s financial strength, plan options, benefits, and customer satisfaction ratings to help you decide if Humana fits your healthcare needs.
Humana Overview and Financial Strength
Humana has been in the health insurance business for over 60 years. The company is headquartered in Louisville, Kentucky. It employs approximately 67,000 people. Humana’s Medicare Advantage enrollment reached 5.8 million members as of mid-2025. Industry projections suggest Humana could surpass 7.3 million Medicare Advantage members in 2026. That growth could make it the largest Medicare Advantage insurer in the country. For example, Humana added roughly one million new MA members during the 2026 sign-up period alone.
Financial stability matters when choosing a Medicare insurer. AM Best rates Humana’s health insurance subsidiaries an A (Excellent) with a stable outlook. This rating was affirmed in December 2025. However, Humana’s CMS Star Ratings have declined in recent years. For 2026, Humana’s weighted average Star Rating sits at 3.61 out of 5 stars. Only 20 percent of Humana’s Medicare Advantage members are enrolled in plans rated 4 stars or higher. The industry average across all providers is 4.02 stars according to data from cms.gov.
The table below summarizes Humana’s ratings across major evaluation sources. These scores provide a snapshot of the company’s financial health and customer track record.
| Rating Source | Score / Grade |
|---|---|
| AM Best Financial Strength | A (Excellent) — Stable Outlook |
| CMS Star Rating (2026 Weighted Avg) | 3.61 out of 5 Stars |
| NAIC Complaint Index | 1.73 (Above Expected) |
| J.D. Power Medicare Advantage (2025) | 640 out of 1,000 |
| BBB Rating | A+ (Accredited) |
Humana Medicare Review: Medicare Plan Options
A thorough humana medicare review must cover the full range of products available. Humana offers nearly every type of Medicare coverage. On the Medicare Supplement side, Humana sells Medigap Plans A, B, C, F, G, K, L, and N. However, Plans C and F are only available to those who became Medicare-eligible before January 1, 2020. In most cases, Plan G and Plan N are the most popular choices for new enrollees. Humana also offers High-Deductible Plan G with a $2,950 annual deductible for seniors who want lower premiums.
Humana’s Medicare Advantage lineup includes HMO, PPO, and PFFS plan types. HMO plans typically offer lower premiums but require you to use in-network providers. PPO plans, branded as HumanaChoice, allow out-of-network care at higher cost. Many Humana Medicare Advantage plans include built-in Part D prescription drug coverage. As a result, members can manage medical and pharmacy benefits under one plan. You can compare specific plans in your area at medicare.gov Plan Finder.
Humana also offers Special Needs Plans for specific populations. Chronic Condition SNPs (C-SNPs) serve members with diabetes, heart failure, or chronic lung disorders. Dual-Eligible SNPs (D-SNPs) combine Medicare and Medicaid benefits into a single plan. For standalone prescription drug coverage, Humana offers three Part D plans. The Humana Basic Rx Plan provides standard coverage. The Premier Rx Plan features a $0 deductible. The Value Rx Plan offers premiums as low as $0 in some areas. Insulin copays are capped at $35 per month across all Humana Part D plans.
Humana Medicare Rates and Enrollment
This humana medicare review finds that rates vary significantly by location and plan type. Medigap premiums depend on your age, zip code, gender, and tobacco use. Humana uses attained-age rating in most states. That means premiums increase as you get older. However, Humana offers a 6 percent online enrollment discount in most states. This discount is not available in California, Connecticut, Ohio, or Pennsylvania. Typically, Humana’s Medigap rates are competitive with other national carriers.
Medicare Advantage premiums vary by county and plan design. Many Humana MA plans carry $0 monthly premiums beyond the standard Part B premium. However, these plans may have higher copays and deductibles at the point of care. The maximum out-of-pocket limit for Part D plans is $2,100 for 2026. Once you reach that amount, the plan covers 100 percent of remaining covered drug costs for the year.
You can enroll in Humana Medicare plans several ways. The Annual Enrollment Period runs from October 15 through December 7 each year. Medigap Open Enrollment begins when you turn 65 and enroll in Part B. You can apply online through Humana’s website or call 1-800-281-6918. Licensed insurance agents can also help you compare plans. In most cases, enrolling online is the fastest option and may qualify you for the Medigap discount.
Humana Additional Benefits and Perks
One reason this humana medicare review highlights the company is its extra benefits. Humana Medicare Advantage plans often include benefits original Medicare does not cover. Many plans offer routine dental, vision, and hearing coverage. Preventive dental services are often covered at 100 percent with no copay. Annual eye exams typically carry a $0 to $20 copay. Hearing exams and hearing aid allowances are also available on select plans.
Humana provides an over-the-counter allowance on many Medicare Advantage plans. This benefit ranges from $25 to $200 per quarter. The allowance loads onto a dedicated card each quarter. Members can use it at approved stores for health and wellness products. For example, eligible items include pain relievers, vitamins, and first aid supplies. Many retirees who review their Medicare options also compare home insurance rates at Home Insure Guide to make sure their homeowners coverage stays current alongside their healthcare decisions.
Select Humana plans include a Healthy Options allowance worth $25 to $225 per month. This benefit covers approved healthy foods at participating grocery stores. After hospital stays, some plans provide 28 free delivered meals. SilverSneakers fitness membership gives access to over 22,000 locations nationwide. Transportation to approved medical appointments is available on certain plans. Telehealth services offer 24/7 virtual visits on qualifying plans. These extras make Humana’s Medicare Advantage plans especially appealing to seniors who want comprehensive coverage beyond basic medical benefits.
Humana Claims Process and Customer Service
Any humana medicare review should evaluate the claims experience. Humana provides the MyHumana online portal for managing your account. Through MyHumana, you can view claims, check benefits, and find in-network doctors. The portal is available 24/7. You can also view, print, or email your ID card through the portal. Your ID card is typically available within 10 business days of enrollment.
The MyHumana mobile app mirrors the portal’s functionality. You can track claims, access your ID card, and chat with customer care specialists directly in the app. Phone support is available at 1-877-692-2468. Customer service hours are Monday through Friday, 8 AM to 8 PM Eastern Time. Live chat is available through the MyHumana account as well.
In the J.D. Power 2025 U.S. Medicare Advantage Study, Humana scored 640 out of 1,000. The industry average was 623 points. That means Humana performs above average for customer satisfaction. However, the NAIC complaint index of 1.73 indicates Humana receives more complaints than expected relative to its market share. Many Medicare beneficiaries also carry a life insurance policy to protect their family. You can compare life insurance rates at Life Insure Guide to review your options alongside your humana medicare review.
Pros and Cons of Humana Medicare Plans
Pros:
- Wide availability in 48 states plus Washington, D.C., giving most seniors access to Humana plans
- Strong extra benefits including SilverSneakers, OTC allowances, healthy food cards, and post-hospital meals
- AM Best A (Excellent) financial strength rating provides confidence in long-term stability
- Broad Medigap selection including Plans A, B, G, K, L, N, and High-Deductible Plan G
- $35 monthly insulin cap on all Part D covered plans
- 6 percent online enrollment discount for Medigap plans in most states
Cons:
- CMS Star Ratings have declined significantly, with a 3.61 weighted average below the 4.02 industry average
- Only 20 percent of Medicare Advantage members are in 4-star or higher rated plans
- NAIC complaint index of 1.73 is above the expected ratio, suggesting higher complaint volume
- Medigap plans are not available in every state, and the online discount excludes CA, CT, OH, and PA
Who Is Humana Best For?
This humana medicare review finds that Humana is best for seniors who want Medicare Advantage plans loaded with extra benefits. The dental, vision, hearing, OTC allowance, and grocery benefits make Humana stand out among competitors. If you value SilverSneakers gym access and post-hospital meal delivery, Humana plans deliver strong value. Dual-eligible seniors who qualify for both Medicare and Medicaid should consider Humana’s D-SNP plans. These plans simplify coverage by combining both programs into one card.
Humana is also a solid choice for Medigap shoppers. The company offers Plan G and Plan N in most states. The 6 percent online enrollment discount adds savings that many competitors do not match. However, if CMS Star Ratings are your top priority, you may want to compare other carriers with higher-rated plans. Typically, carriers with 4-star or higher ratings receive bonus payments from CMS. Those bonuses often translate into richer benefits for members.
In most cases, your humana medicare review decision should come down to local plan availability. A Humana plan rated 4 stars in one county may not exist in another. Always check your specific zip code at medicare.gov Plan Finder before enrolling. Compare premiums, copays, drug formularies, and provider networks side by side. Your best Medicare plan is the one that covers your doctors, your prescriptions, and your budget. This humana medicare review confirms that Humana deserves a place on your shortlist, especially if extra benefits and broad plan variety matter most to you.
Frequently Asked Questions
Is Humana a good Medicare Advantage plan for 2026?
Humana offers competitive Medicare Advantage plans with strong extra benefits. However, its CMS Star Ratings have declined to a 3.61 weighted average. As a result, plan quality varies significantly by county. Check your local plan ratings before enrolling.
Does Humana offer Medigap Plan G?
Yes, Humana offers Medigap Plan G in most states. Plan G covers all Medicare Part A and Part B gaps except the Part B deductible. Typically, Plan G is the most comprehensive Medigap option available to new Medicare enrollees.
What extra benefits does Humana Medicare Advantage include?
Many Humana Medicare Advantage plans include dental, vision, hearing, SilverSneakers fitness, OTC allowances, grocery benefits, and post-hospital meals. However, specific benefits vary by plan and location. In most cases, $0 premium plans still include several of these extras.
How do I file a complaint about Humana Medicare?
You can contact Humana customer service at 1-877-692-2468. If your issue is not resolved, you can file a complaint with Medicare directly at 1-800-MEDICARE. For example, the Medicare ombudsman can help with appeals and grievances related to coverage decisions.
Compare More Medicare Insurance Companies
Looking for more Medicare carrier reviews, plan comparisons, and enrollment guides? Browse our complete library of Medicare resources.
Official Sources & Resources
For verified information on Medicare plans, ratings, and enrollment:
- Medicare.gov (Official): medicare.gov
- CMS.gov (Centers for Medicare & Medicaid): cms.gov
- AM Best (Financial Strength Ratings): ambest.com
- NAIC (Complaint Ratios): naic.org
- State Health Insurance Assistance Program (SHIP): shiphelp.org
- Kaiser Family Foundation (KFF): kff.org
Content last reviewed April 2026. If you notice any outdated information, please contact us.