Humana vs BlueCross BlueShield

Alice Stevens
Alice Stevens | Senior Editor

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
#5 Humana
5.9 Overall Score
2.6
star star star_half star_border star_border
(15)
BlueCross BlueShield logo verified_user
#2 BlueCross BlueShield
6.5 Overall Score
3.5
star star star star_half star_border
(20)

Overview

Humana

Time in Business

60 Years

BlueCross BlueShield

92 Years

Ratings

Humana

Overall Score
5.9 of 10
Review Score
2.6
star star star_half star_border star_border
Value for Money
2.3
star star star_half star_border star_border
Quality of Product or Service
2.5
star star star_half star_border star_border
Company Trustworthiness
2.3
star star star_half star_border star_border
Likely to Recommend
3.4 of 10

BlueCross BlueShield

6.5 of 10
3.5
star star star star_half star_border
3.5
star star star star_half star_border
3.5
star star star star_half star_border
3.5
star star star star_half star_border
6.1 of 10

Reviews

Humana

Number of Reviews
15
Review Breakdown
2.6
star star star_half star_border star_border
5 star
27%
4 star
13%
3 star
0%
2 star
7%
1 star
53%

BlueCross BlueShield

20
3.5
star star star star_half star_border
5 star
35%
4 star
20%
3 star
20%
2 star
5%
1 star
20%

Reviews for Humana

Helpful Favorable Review

star star star star star

Stephanie Byrd 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.

1 year 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.

3 months ago

Reviews for BlueCross BlueShield

Helpful Favorable Review

check_circle

Review Source

star star star star_border star_border

Mark McKeown Raleigh, NC

Have a BCBS Medicare Advantage plan and it is expensive, the provider network is somewhat limited, and customer service is difficult to get. Their online app is great though. And it is recognized most everywhere

1 year ago

Helpful Critical Review

star star_border star_border star_border star_border

joseph E. Indio, CA

This is not an honorable company i had medicare. From 1/1/2016 to 5/24/2018 Blue Cross premiums were paid by a trustee in New York. I discovered on 5/24/2018, premiums still being paid, canceled policy , and was informed because another policy was paying my claims and not Blue Cross, I should expect a refund. Made complaint with DMHC. Finally received a check for $3,274.32 over payment $41,150 refund amount $3,274.32 they kept $37,875.68 for doing nothing SLEEZY

10 months ago

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.

Top Choice

BlueCross BlueShield Logo
BlueCross BlueShield

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