Humana
3.63
CMS Star Rating
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Humana vs. UnitedHealthcare: Medicare Advantage Comparison
UHC and Humana are heavy hitters in the industry and available in most of the U.S. See how they compare.
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Written by Kate Ashford, CSA®
Lead Writer
Sixty-one percent of Humana plans offer a Part B Giveback benefit, meaning the plan pays some portion of members’ Medicare Part B premiums.
UnitedHealthcare offers the largest Medicare Advantage network of all companies, with more than 1 million network care providers.
UnitedHealthcare
3.82
CMS Star Rating
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from UnitedHealthcare
Here’s a look at how Humana and UnitedHealthcare compare.
Why trust NerdWallet
Humana Medicare Advantage
Humana plans are widely available with above-average member experience scores and strong Part B Giveback benefits, but star ratings are low.
Pros
Plans available for most Americans.
Above-average member experience scores among major providers.
Part B Giveback benefit in 61% of plans.
Cons
Only 24% of plans are rated 4 stars or higher.
Customer satisfaction scores are low in several major markets.
Average out-of-pocket maximums are on the high side.
Other factors to consider
Provider size | 2nd-largest provider of Medicare Advantage plans. |
Medicare Advantage enrollment | More than 6.2 million. |
Percent of plans rated 4 stars or higher | 24%. |
Percent of plans with $0 premium | 49%. |
Plans available | HMO, HMO-POS, PPO, PFFS, SNP. |
Humana Medicare Advantage plan availability
Humana
3.63
CMS Star Rating
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from Humana
UnitedHealthcare Medicare Advantage
UnitedHealthcare Medicare Advantage plans are widely available and have the largest Medicare Advantage provider network, although member experience ratings are average.
Pros
Largest Medicare Advantage medical network of all companies, with more than 1 million providers.
Largest Medicare Advantage dental network, and all standard plans offer dental coverage.
Available in 49 states and Washington, D.C.
Cons
Member experience scores are average.
Star ratings are just below average.
Offers one of the highest-priced special needs plans, although lower-priced plans are also available.
Other factors to consider
Provider size | Largest provider of Medicare Advantage plans. |
Medicare Advantage enrollment | More than 9.4 million. |
Percent of plans rated 4 stars or higher | 67%. |
Percent of plans with $0 premium | 61%. |
Plans available | HMO, HMO-POS, PPO, PFFS, SNP. |
UnitedHealthcare Medicare Advantage plan availability
UnitedHealthcare
3.82
CMS Star Rating
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from UnitedHealthcare
Find the right Medicare Advantage plan
It’s important to do your research before selecting a Medicare Advantage plan for yourself. Here are some questions to consider asking:
What are the plan’s costs? Do you understand what the plan’s premium, deductibles, copays and/or coinsurance will be? Can you afford them?
Is your doctor in-network? If you have a preferred medical provider or providers, make sure they participate in the plan’s network.
Are your prescriptions covered? If you’re on medication, it’s crucial to understand how the plan covers it. What tier are your prescription drugs on, and are there any coverage rules that apply to them?
Is there dental coverage? Does the plan offer routine coverage for vision, dental and hearing needs?
Are there extras? Does the plan offer any extra benefits, such as fitness memberships, transportation benefits or meal delivery?
» MORE: Best Medicare Advantage plans
If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).
Medicare Advantage review methodology
The Medicare Advantage marketplace is concentrated among just a handful of companies; in many places, one insurer serves more than half of the market. NerdWallet reviewed 26 Medicare Advantage brands, with some insurers having more than one brand under their umbrella. (For example, Blue Cross Blue Shield includes the brands Anthem and Highmark.) At the national level, these reviews include nine of the 10 largest brands by enrollment. At the state level, our research includes at least one major insurer in 47 of the 49 states that offer Medicare Advantage plans, and includes the top two insurers in 35 of those states. (Alaska doesn't offer Medicare Advantage plans.) We also look at online search volume to identify regional and other notable players in the space.
NerdWallet’s Medicare Advantage reviews are based on ratings data from the Centers for Medicare & Medicaid Services, as well as pricing, plan availability by state, plan types available, consumer experience, extra benefits offered and more. These reviews are a guide, but we encourage you to shop around and compare several plans to find the best coverage and rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines for additional information.
