1. Humana vs BlueCross BlueShield

Humana vs BlueCross BlueShield

Your Medicare plan is how you will access and pay for health care. It's important to choose a plan from a trusted health insurer. 

BlueCross BlueShield and Humana are each a well-known health insurance company and have received similar customer ratings on Best Company. When compared with other Medicare providers, these ratings are high. 

BlueCross BlueShield and Humana offer Medicare Advantage Plans, Prescription Drug Plans (PDPs), and Medigap plans. Because BlueCross BlueShield operates through regional subsidiaries, there is limited general information available about offerings online.

On the other hand, Humana offers good general information about the specific types of plans it offers and additional benefits included with its plans.

Humana logo verified_user
#1 Humana
8.7 Overall Score
2.7
starstarstar_halfstar_borderstar_border
(12)
BlueCross BlueShield logo verified_user
#6 BlueCross BlueShield
4.3 Overall Score
2.9
starstarstar_halfstar_borderstar_border
(8)

Overview

Humana

BlueCross BlueShield

Time In Business
Time In Business
59 Years
91 Years

Ratings

Humana

BlueCross BlueShield

Overall Score
Overall Score
8.7 of 10
4.3 of 10
Review Score
Review Score
2.7
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2.9
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Value for Money
Value for Money
2.4
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3.0
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Quality of Product or Service
Quality of Product or Service
2.5
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3.0
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Customer Service
Customer Service
2.6
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2.9
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Company Trustworthiness
Company Trustworthiness
2.2
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3.0
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Likely to Recommend
Likely to Recommend
3.1 of 10
4.6 of 10

Reviews

Humana

BlueCross BlueShield

Number of Reviews
Number of Reviews
12
8
Review Breakdown
Review Breakdown
2.7
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5 star
33%
4 star
8%
3 star
0%
2 star
8%
1 star
50%
2.9
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5 star
13%
4 star
25%
3 star
25%
2 star
13%
1 star
25%

Reviews for Humana

Helpful Favorable Review

starstarstarstarstar

Stephanie Byrd

August 11th, 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

August 11th, 2020 West Chester, OH DETAILS arrow_drop_down
Value for your money
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Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

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.


Reviews for BlueCross BlueShield

Helpful Favorable Review

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Molly Keogh

August 11th, 2020 Ogden, UT DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar_border
Customer service
starstarstarstarstar_border
Company trustworthiness
starstarstarstarstar

The coverage that we had through BlueCross and BlueShield was great. It was nice to be able to go to the Dr when needed and not worry about cost. The timeliness of some of there explanation of benefits and paying of benefits was sometimes extremely slow.


Helpful Critical Review

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marco

August 11th, 2020 Munford, TN 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

Always confusing the website needs updating very confusing to check who is in your network. Not very easy for a new person doing insurance for the first time.


The Final Word

While BlueCross BlueShield offers Medicare Advantage Plans, Medicare supplement insurance (Medigap), and prescription drug coverage, your region will affect what Medicare options you can purchase through the insurance company.

For example, Wellmark BlueCross BlueShield does not offer Medicare Advantage Plans in some areas. To learn more about what's available in your area, input your zip code and you'll be directed to your BlueCross BlueShield subsidiary.

Humana offers several kinds of Medicare Advantage Plans, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), Private-Fee-For-Service (PFFS), and Special Needs Plans (SNPs). These options allow shoppers to find a plan structure that best meets their needs.

Humana's Medicare Advantage Plans also include additional benefits like SilverSneakers ® fitness membership and prescription drug coverage. These may vary by plan. Some plans allow dental and vision coverage to be added for an increased premium.

BlueCross BlueShield offers wellness programs, prescription drug coverage, hearing aids, and vision services with some of its Medicare Advantage Plans. Availability of these perks varies by region and may also vary by plan. Check with your local BlueCross BlueShield insurer to see what it offers.

If you're comparing Medicare Advantage plans from each insurance carrier, check the provider networks to see if your physician is a participating provider on the plan.

Humana offers several options for prescription insurance coverage. Some even include mail delivery for prescriptions. To learn more about what is available in your area for both Humana and BlueCross BlueShield, work with the company directly.

Medigap plans and their coverage are typically similar across companies, so pay attention to costs and how they are determined when choosing which company to enroll with. Check with each insurance provider to see coverage options offered.

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