Humana Insurance Review 2026Medicare-eligible seniors seeking Medicare Advantage or Part D prescription drug coverage
Humana is a major national health insurer headquartered in Louisville, Kentucky, with a strong focus on Medicare-related coverage. The company is widely known for its Medicare Advantage and Part D prescription drug plans, alongside dental, vision, and government-program offerings. It serves individuals, seniors, employers, and military families across much of the United States.
Humana at a Glance
Founded
1961
Headquarters
Louisville, KY
AM Best (financial strength)
A-
J.D. Power (satisfaction, approx.)
724
Coverage & Products
- ✓Medicare Advantage plans
- ✓Medicare Part D prescription drug plans
- ✓Medicare Supplement (Medigap) insurance
- ✓Medicaid managed care
- ✓Dental insurance
- ✓Vision insurance
- ✓Group and employer health plans
- ✓TRICARE military health (via Humana Military)
Plan Features
Pros
- +Extensive Medicare Advantage and Part D plan availability in many markets
- +Strong emphasis on senior-focused benefits and wellness programs
- +Integrated pharmacy, telehealth, and care-management resources
- +Long-established, nationally recognized health insurer
Cons
- −Heavily Medicare-focused, with limited under-65 individual major-medical options in many areas
- −Plan benefits and availability vary significantly by county and ZIP code
- −Network and referral restrictions typical of HMO-style Medicare Advantage plans
- −Member service experience can vary by region and plan type
Humana — Frequently Asked Questions
Is Humana a financially strong insurance company?
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Humana carries an A.M. Best financial-strength rating of A-. A.M. Best ratings measure an insurer's ability to meet its ongoing policyholder obligations; ratings of A- and above are considered "excellent" or "superior." This reflects claims-paying ability, not price or customer service.
How is Humana's complaint record?
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The NAIC Complaint Index is published primarily for property-and-casualty lines; for Humana, check the NAIC Consumer Insurance Search and your state department of insurance for complaint data specific to the product and state you're considering.
How do I get a quote or contact Humana?
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You can request a quote or reach Humana at humana.com or by phone at 1-800-448-6262. Rates depend heavily on your individual profile (location, age, history, coverage), so compare at least three quotes before deciding.
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Jennifer Walsh
Editorial Lead, Health & Medicare
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed June 2026
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