Aetna vs Humana

Alice Stevens
Alice Stevens | 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
#1 Aetna
8.7 Overall Score
2.4
starstarstar_halfstar_borderstar_border
(16)
Humana logo verified_user
#3 Humana
8.4 Overall Score
2.8
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(13)

Overview

Aetna

Humana

Time In Business
Time In Business
167 Years
59 Years

Ratings

Aetna

Humana

Overall Score
Overall Score
8.7 of 10
8.4 of 10
Review Score
Review Score
2.4
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2.8
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Value for Money
Value for Money
2.2
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2.4
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Quality of Product or Service
Quality of Product or Service
2.2
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2.6
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Customer Service
Customer Service
2.2
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2.7
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Company Trustworthiness
Company Trustworthiness
2.2
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2.4
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Likely to Recommend
Likely to Recommend
2.5 of 10
3.7 of 10

Reviews

Aetna

Humana

Number of Reviews
Number of Reviews
16
13
Review Breakdown
Review Breakdown
2.4
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5 star
19%
4 star
13%
3 star
13%
2 star
0%
1 star
56%
2.8
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5 star
31%
4 star
15%
3 star
0%
2 star
8%
1 star
46%

Reviews for Aetna

Helpful Favorable Review

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pepsi173

December 4th, 2020 Monroeville, PA DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar_border
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

I have had Aetna Insurance as the secondary insurance to my Medicare since retiring 10 years ago and have always liked the way they deal with claims and the cost that I have to pay and especially their drug prescriptions payments. I know that I will keep them as they have good to me even when I have a customer service question.


Helpful Critical Review

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Boyer

December 4th, 2020 Wheaton, IL DETAILS arrow_drop_down
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

Aetna has been a nightmare to work with!! For the past 7 months we have been on countless phone calls, received the run- around, assured everything is being taken care of just to receive notifications to contact them again. It has been nothing but frustrating!! If we ever have the opportunity, we will drop this coverage in a heartbeat. Anthem Bluecross/Blueshield puts this company to shame. Extremely disappointed and tired of dealing with them!


Reviews for Humana

Helpful Favorable Review

starstarstarstarstar

Stephanie Byrd

December 4th, 2020 Tallahassee, FL

Humana is the best insurance there is. From personal experience, this is one of the widely recognized insurances. I leave all of my medical appointments with full coverage. Humana is highly flexible and provides great coverage.


Helpful Critical Review

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kimberly Haaff

December 4th, 2020 West Chester, OH DETAILS arrow_drop_down
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
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It is one problem after another without any recourse. Everyone wants to pass the problems on without resolving it. I cannot begin to tell you how horrible this company has been. I have never dealt with one this pathetic.


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.

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