Headquartered in Louisville, Kentucky, Humana was founded in 1961. One of the bigger names in health insurance, the company was actually bought out in June 2015 by an even bigger name that has company roots in the 1850s, Aetna. In many ways, this merge will make two strong companies even stronger, serving a combined membership of 4.4 million.
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- Types of Plans Offered
- Member Resources
- Unique Features
- Customer Service
Types of Plans Offered
Humana has a wide selection of health plans to choose from, including Medicare, Medicaid, PPOs, HMOs, and EPOs. They also offer some Points of Service plans (POS), FSAs, and HAS options if you have a High-Deductible Health Plan. In addition, there are life and supplemental coverage options that include accident insurance, extended hospitalization coverage, and critical illness insurance. Humana also offers short-term disability insurance.
They do offer dental and vision coverage, and benefits for these plans depend on the health plan. Dental coverage can actually come in two forms-as just a discount plan or as an insurance plan. You can save on checkups, treatments like fillings and root canals, and, even more, pricey procedures like orthodontia. With some of these plans, you can choose any dentist you want, but other plans require you to see an in-network dentist. Vision insurance includes an annual eye exam with a small copay, as well as coverage for glasses or contacts. Members have potential discounts on Lasik and other eyewear as well, some of which are found through EyeMed and FramesDirect.com.
At Humana, members can access a large collection of resources. There's every tool from comparing providers, to tracking claims, to making online payments and downloading necessary forms. Humana makes it easy to check a claim status, view member rights, and responsibilities, and find in-network physicians as well. Member discounts are available through TruHearing, EyeMed, HearUSA, and Beltone, to name just a few. These are primarily vision and hearing discounts, but there are rewards programs as well, which offer discounts on healthy foods and points for a healthy living. Members can save on massage therapy and similar treatments as well. Humana's member resources also extend into educational tools. Their learning center has articles about healthy living, explanations of health insurance, and information about managing a chronic illness, planning your finances, and improving nutrition or family relationships. There are also explanations about the Affordable Care Act, which has, of course, had a huge impact on the workings of health insurance today. In short, with Humana, members stay informed and are encouraged to be healthy and up-to-date on all their records.
Humana stands out among competitors for several features. One of these is the mobile apps the company has set up for members. There are actually four apps, each with a different purpose. MyHumana is for members to access and manage their health plan accounts, MyHealth is an app that helps you set and keep track of healthy goals, HumanaPharmacy is a way to keep track of your prescriptions, and HumanaVitality allows you to keep track of the rewards you've racked up through the company's health rewards program. All of these can be accomplished right on your phone! Humana has a Medicare health rewards program as well. The SilverSneakers Fitness Program includes access to an on-call nurse and assistance for Medicare members to quit smoking or to set other healthy goals. But Medicare members aren't the only ones with access to a nurse. HumanaFirst is the company's 24/7 registered nurse that provides assistance to customers whenever a medical question pops up. Humana makes shopping for health plans very easy. You can search benefits by state and use their tool to find a doctor, pharmacy, hospital, dentist, or optician as well. These are just a few of the many tools they provide for making members' lives easier. HumanaVitality is the company's main rewards program for other members (not exclusively Medicare members, like SilverSneakers, is). Through it, you can get perks like fitness trackers and discounts on designated health foods at WalMart.
Humana makes contacting customer service very easy. Their company website is, first and foremost, a great tool for shopping for health plans, getting information about how this industry works and managing an account as a member. But there are also several phone numbers (some 24/7, some not) for you to call, as well as options to email, fax, mail, and even tweet Humana for further questions! There are phone numbers dedicated to various member services as well. Humana allows members to track claims and do anything else with their account 24/7, all through the MyHumana mobile app. The company relies heavily on member accounts for 24/7 access, as some phone numbers aren't necessarily available at all hours. For both members and potential customers, Humana offers transparency, ease of access, intuitive tools, and widely available customer help. This speaks well of the company's efforts to make every customer's experience positive.
- States Serviced
- Temporary Coverage
Humana health plans are available in a lot of US states but not all of them. States that do qualify include Nevada, Arizona, Colorado, Utah, Kansas, Oklahoma, Texas, Missouri, Illinois, Wisconsin, Michigan, Indiana, Ohio, Kentucky, Tennessee, Alabama, Mississippi, Louisiana, Florida, Georgia, Virginia, and North Carolina. If you don't live in one of these states, then Humana is not an option for you.
Humana doesn't mention having short-term insurance beyond short-term disability insurance. If that's the plan you're looking for, then this company will not be the best option.