Aetna vs Humana

Kaitlyn Short
Kaitlyn Short | Senior Editor

Aetna and Humana are both large health insurance carriers. When it comes to Medicare, both companies offer Medicare Advantage Plans, Prescription Drug Plans (PDPs), and Medigap plans (Medicare supplement insurance).

Both companies also offer good general information about their plans, though you'll need to enter your zip code for more specifics and to see options in your area.

The biggest difference between Humana and Aetna Medicare Advantage plans is that Humana offers Private-Fee-For-Service (PFFS) plans and Special Needs Plans (SNPs) for people with eligible chronic conditions.

Aetna logo verified_user
#6 Aetna
3.2 Overall Score
2.5
star star star_half star_border star_border
(25)
Humana logo verified_user
#5 Humana
3.6 Overall Score
3.0
star star star star_border star_border
(18)

Overview

Aetna

Policy Types

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Customer Service Options

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Purchase Process

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Time in Business

Undisclosed

Humana

N/A

N/A

N/A

Undisclosed

Ratings

Aetna

Overall Score
3.2 of 10
Review Score
2.5
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Value for Money
2.5
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Quality of Product or Service
2.5
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Company Trustworthiness
2.5
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Likely to Recommend
3.6 of 10

Humana

3.6 of 10
3.0
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2.8
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2.9
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2.8
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4.7 of 10

Reviews

Aetna

Number of Reviews
25
Review Breakdown
2.5
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5 star
24%
4 star
12%
3 star
8%
2 star
0%
1 star
56%

Humana

18
3.0
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5 star
39%
4 star
11%
3 star
0%
2 star
6%
1 star
44%

Reviews for Aetna

Helpful Favorable Review

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Review Source

star star star star star

Joe Leahy Marshfield, MA

Aetna is my Medicare supplement. I have had no issues with their handling of any medical visits or procedures. All claims seem to be handled in a timely manner and I receive a monthly activity statement of my benefits

4 months ago

Helpful Critical Review

star star_border star_border star_border star_border

Ben Martinsburg, WV

Having worked for over 50 years, I had always had some type of insurance. I recently had an Aetna advantage plan with a small monthly premium. This was the worst insurance policy I have ever had. With the monthly premium, office co pays, and other expenses, I was paying more out of pocket than the policy covered. Also none of my expenses were credited towards the deductible or out of pocket maximum, which could have caused me to pay forever never reaching the maximums.

6 months ago

Reviews for Humana

Helpful Favorable Review

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Review Source

star star star star star

AMOS Hodge San Antonio, TX

My Medicare insurance provider of choice, I’ve been a customer for over ten years. I have a HMO plan and it provides for my medical care What I Also like is their mail order pharmacy which is very easy to use and your meds are sent directly to your mail box I have. Compared their prices and they offer very competitive prices

4 months ago

Helpful Critical Review

star star_border star_border star_border star_border

Christopher Bober San Francisco, CA

BE AWARE Humana's dental plan is NO GOOD. Humana DO NOT PAY for a root canal or crown work. Humana states it will pay $2,000.00 for dental work. It is deceptions since Humana pays 0 (zero) for crowns or root canal.

10 months ago

The Final Word

When buying Medicare coverage, you're first choice is between Original or Traditional Medicare managed by the federal government or Medicare Advantage plans managed by private companies.

Aetna offers several kinds of Medicare Advantage plans, including Health Maintenance Organization (HMO), Health Maintenance Organization-Point-Of-Service (HMO-POS), and Preferred Provider Organization PPO plans. Each type of plan has a different network and cost-sharing structure. Visit Aetna's website to see what options are available in your area.

Aetna also offers the following perks with each Medicare Advantage plans:

  • Resources for Living® (help finding local resources)
  • SilverSneakers® fitness membership
  • 24/7 nurse line
  • Prescription home delivery
  • Meals-at-Home (meal delivery when recovering from medical treatment)
  • Dental benefits
  • Vision benefits
  • Hearing benefits

These features may vary by plan.

Aetna also offers Dual Special Needs Plans (D-SNPs) for people who also qualify for Medicaid. These plans include a personal care team, access to wellness programs, and coverage for prescriptions, dental, vision, and hearing. Check with Aetna to see if a D-SNP is available in your area.

Humana also offers a variety of Medicare Advantage plans. Its plan structure offerings include some different options than Aetna. Humana offers HMO, PPO, and Private-Fee-For-Service (PFFS) plans.

Humana offers SilverSneakers® fitness membership with many of its plans. Some Medicare Advantage plans include prescription drug coverage. Dental and vision coverage can be added to some plans for an increased premium.

Humana also offers two kinds of Special Needs Plans (SNPs). It offers an SNP for people with eligible chronic conditions and an SNP for people with dual Medicare and Medicaid eligibility. Qualifications for chronic condition SNPs vary by state. These SNPs may not be available in every state, so check with Humana directly to learn more about what's available in your area.

Medicare beneficiaries with Original Medicare may want to buy a prescription drug coverage plan.Humana and Aetna offer several options for Prescription Drug Plans (PDPs). Humana offers mail delivery with some of its plans. It also offers a few more options than Aetna, though for specific plans available in your area, you’ll need to check with both companies directly.

Medicare supplement insurance plans (Medigap) are generally similar across carriers. A Medicare supplement plan helps control Traditional Medicare's out-of-pocket costs. When choosing between the Humana's and Aetna's Medigap plans, you'll want to compare monthly premium prices and insurance coverage options available at each health insurer before deciding which would be best for your situation.

Overall, both Aetna and Humana offer nice options. When deciding between the two, it will come down to which insurance company has a plan that best meets your needs.

Top Choice

Humana Logo
Humana

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