Humana Review: Medicare Plans & Customer Service

Is Humana a legit health insurance company?

Yes. Humana Inc. is a Louisville, Kentucky insurer listed on the New York Stock Exchange. Its 2025 annual report says it covered about 15 million people in medical plans and 5.2 million in individual Medicare Advantage at the end of 2025, and that 83% of its revenue came from federal government contracts. Its plans are regulated by CMS for Medicare and by state insurance departments.

The BBB rates it A+ and it has been accredited since 1998. In May 2025 the Justice Department filed a False Claims Act complaint alleging that Aetna, Elevance and Humana paid brokers eHealth, GoHealth and SelectQuote kickbacks for Medicare Advantage enrollments from 2016 through at least 2021, and that Humana and Aetna pressured brokers to enroll fewer people with disabilities. These are allegations, and no liability has been found.

Does Humana sell individual or employer health insurance?

No. Humana announced in February 2017 that it would leave the individual commercial medical market, and it stopped selling those plans as of January 1, 2018. In February 2023 it announced it would exit its Employer Group Commercial Medical Products business, including fully insured, self-funded and Federal Employee Health Benefit plans, over 18 to 24 months. Its 10-K now describes its health plans as Medicare, Medicaid, military and specialty products.

If you’re under 65 and need coverage, shop HealthCare.gov or your state’s marketplace, where premium tax credits can lower the price. Humana still sells individual dental and vision plans.

Humana Medicare Advantage and star ratings

Medicare is Humana’s core business. It offers HMO and PPO Medicare Advantage plans, Special Needs Plans, stand-alone Part D plans (including one co-branded with Walmart) and Medicare Supplement. Humana says most of its Medicare Advantage plans include drug coverage, routine dental, vision and hearing, and $0 copays for primary care visits.

Ratings rebounded for 2027. Humana says 95% of its Medicare Advantage members are in contracts rated 4 stars or higher, and 42% are in 4.5-star plans, after a sharp drop in its 2025 ratings that it challenged in court. No Humana contract earned 5 stars. Star ratings apply to each contract, so check the exact plan in Plan Finder.

Humana cost

Medicare Advantage premiums depend on your county and plan, and many plans have a $0 premium. You still pay the Part B premium, $202.90 a month in 2026, plus copays and coinsurance up to the plan’s yearly out-of-pocket limit. Medicare Supplement premiums vary by age, state and plan letter. Humana’s individual dental plans start at $18 a month.

The cheapest premium isn’t always the cheapest plan. Add up premiums, drug costs and expected copays for your doctors in Medicare Plan Finder.

Humana plan changes for 2027

Insurers are trimming Medicare Advantage plans for 2027, and Humana told investors about 600,000 of its members are in plans that end. KFF counted 62 counties Humana is leaving for plans with drug coverage, fewer than several competitors. If you got a non-renewal letter, don’t ignore it: if you do nothing you’ll move to Original Medicare and may lose drug coverage. Pick a new plan during Open Enrollment, October 15 to December 7, 2026.

Humana complaints and how to avoid problems

Reviews of Humana mostly describe hard-to-reach customer service, denied claims and prior authorization disputes, premium and cost increases, and providers leaving the network. Before you enroll, confirm every doctor and drug is covered on the specific plan, and check whether the plan needs referrals. If Humana denies a service, you have the right to appeal; Medicare plans must tell you how. You can also call 1-800-MEDICARE or your State Health Insurance Assistance Program (SHIP) for free help.