Humana Insurance Review & Complaints: Health Insurance (2023)

What is Humana Insurance?

Humana Insurance Company is one of the largest managed healthcare providers in the United States and currently employs over 50,000 people, worldwide. Their business programs are used by some of the largest companies for benefits in the US, as well as many small and medium-sized firms.

The organization started in 1961 and is headquartered in Louisville, Kentucky. The company first began as a nursing home named Extendicare, and became one of the largest nursing care facilities in the US. They began to purchase hospitals in the ’70s, changed their name to Humana, and grew as a healthcare provider network. They now offer the most popular health insurance plan nationwide.

This review will cover its wide range of products and services, including Humana Health Insurance ratings. Although rates aren’t available online, we’ll go into its coverage options.

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What types of insurance plans are available?

Humana is no small healthcare provider and it is among the largest in the health insurance industry. The company offers a wide selection of medical coverage products for individuals as well as businesses looking to reduce their out-of-pocket cost. This health care provider offers a wide range of products and services that can be purchased through the insurer. Individuals can benefit from any of the following:

• Health insurance policy
• Dental coverage
• Vision coverage
• Prescription drug coverage plans, medication cost assistance
• Medicare supplemental insurance plans

Businesses can get their employees set up with most of the same, as well as these extra benefits:

• Spending plans
• Disability coverage
• Life insurance
• Wellness plans, including a fitness program

For more information on plan details, you can contact the Humana Insurance phone number at 1-844-330-7799. Current members can use their login to see coverage information.

Are the ratings and consumer reviews positive?

Humana Insurance has been accredited with the Better Business Bureau since 1998, and currently has an A+ rating. In the past three years, there have been 376 complaints lodged against this health insurance provider, 85 of which have been closed in the past 12 months. This number is pretty typical for an insurance firm of their size. The majority of the problems reported were with the “products and services” offered by Humana health insurance, followed by billing and collection issues.

ConsumerAffairs.com offers 894 reviews. Of the reviews there have been 135 ratings left, 122 of them are one-star ratings. Of the reviews left, many involve poor customer service and others cite the company does everything to avoid paying healthcare claims. While these are not uncommon complaints against health insurance companies, there are a lot of them for this company.

What are humana insurance consumer research reports?

In the 2017 J.D. Power and Associates Member Health Plan Study, Humana’s rating ranged between a two and a five-star rating. In Texas, however, the company’s satisfaction rating was a five out of five.

Insure.com’s 2017 rating of the company was a lot better than the results from the J.D Power Study above. The website gave the company an A- rating overall giving them a 4.5 star out of 5 rating across the board. The categories listed included Claims Processing, Customer Service, and Value for Price. The company came in fourth place overall in the Insure.com survey.

What are the financial strength ratings for the insurance provider?

Rating Company	Grade	Financial Outlook
AM Best	A-	Stable
Fitch	A	Stable
S&P	A	Stable

Seamless Assurance: Demystifying the Humana Insurance Claims Process

Ease of Filing a Claim

Humana Insurance offers multiple convenient methods for filing a claim. Customers can choose to file their claims online through the Humana website, over the phone by contacting their customer service, or by using the mobile app provided by Humana. This flexibility ensures that policyholders can select the method that best suits their preferences and needs.

Average Claim Processing Time

The average claim processing time with Humana Insurance can vary depending on the nature of the claim and the documentation provided. Generally, Humana strives to process claims efficiently and promptly to ensure that customers receive the necessary reimbursements or benefits in a timely manner. However, specific processing times may be subject to individual cases and policy details.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback on Humana Insurance’s claim resolutions and payouts has been mixed. While the company has received positive reviews for its efficient handling of claims and quick payouts in some cases, there have also been complaints about denied claims and disputes over coverage.

It’s essential for customers to thoroughly review their policy terms and communicate with Humana’s customer service to understand the specifics of their coverage.

Technology and Digital Features of Humana Insurance

Mobile App Features and Functionality

Humana Insurance provides a user-friendly mobile app that offers a range of features and functionalities for policyholders. The app allows users to access their policy information, view claims status, locate healthcare providers, and even schedule appointments. Additionally, it offers health and wellness resources, making it a valuable tool for managing one’s healthcare needs on the go.

Online Account Management Capabilities

Humana’s online account management portal is designed to streamline the customer experience. Policyholders can log in to their accounts through the Humana website to view and manage their policies, make payments, track claims, and access important documents. The online portal enhances the ease of managing insurance policies and staying informed about coverage details.

Digital Tools and Resources

Humana Insurance provides various digital tools and resources to assist customers in making informed healthcare decisions. These include online health assessments, cost estimator tools, and access to a wealth of health-related information and articles. These digital resources empower policyholders to take control of their health and make informed choices about their care.

What’s the bottom line?

As with other large health providers, Humana is not without its issues in customer satisfaction. The modern healthcare industry pits patients vs. healthcare provider and doctors stuck in the middle. It is no different with Humana. There are numerous reports of customers being denied services that a doctor has requested, as well as billing errors, rude customer service representatives, and sudden monthly premium increases.

Consumers interested in signing up for Humana health insurance should be very cautious and read all the details of their agreement. Notices sent in the mail should not be discarded, since there are reports of Humana burying monthly premium rate increases in large annual reports sent out to customers.

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