Humana Health Insurance Reviews

It's taken me 18 phone calls, emails, chats over 14 months to try and get a 500 dollar mistake they made corrected. It's still not done. Their agents are untrained and useless even their supervisors don't know what they're doing. Stay away from this company. They told me my dr had not sent in a preauthorization form when she had it was in their records for months. I had to pay 159 out of pocket. It took 7 phone calls to find out what the problem was then it's taken 7 more phone calls which is still ongoing to try to get my money back. They also told my hearing aid dr I didn't have coverage when I did costing me another 1000 and they're refusing to reimburse me for that also. Stay away from them.

I went to Humana on 1/1/2026. Apparently, they require prior authorization on Dexcom G7 or Libre 3 now. I was not notified of this until I went to pick them up and the pharmacy wanted to charge me over over $300 dollars. Now I can't get my insulin Lispro because Humana changed the rules, they want me to use Insulin Aspart, which has major side effects of low limb swelling and diarrhea. I am a below the knee amputee and my prosthetic is fitting perfect. I have been through so much trying to get my blood sugars under control. There is not an oral medication that I can take due to horrific side effects, abdominal pain and bloody diarrhea. They set off the colitis. I can't take GLP-1 or GLP-2 because they cause horrific abdominal pain, and they cause my lipase and amylase elevate. Now they require me to have a prior authorization to see my prosthetists.

After receiving an approval letter from Humana (Cohere Health) for my back surgery and talking to a Humana representative a week earlier to confirm coverage, I received a letter of denial for the hospital written only 2 days after my admittance. I was there for 4 days with a tube draining blood out of my back and a catheter going to my bladder. How do they expect me to take care of myself when I couldn't get out of bed, drain the blood from the tube in my back and was so pumped up on pain medication? What kind of doctor did Humana have review my case? Or was it AI?

This is the worst insurance. No help. Keep always getting transferred to different representatives. Then can't understand most of them. For the process of having to prove chronic conditions to be able to use OTC benefits for groceries for their limited list that they go by very very disappointed and dissatisfied. Will never recommend and can't wait until open enrollment to sign up and never use this company again.

If I could give 0 stars I would, I am an Rph and called to help a patient that is being charged copays despite over-paying his max out of pocket for the year. It took 45 minutes for someone to tell me he has actually overpaid and they cannot explain to me why he has a copay, I'm still waiting on hold while they figure things out. This insurance is breaking the law by continuing to charge copays after a patient's out of pocket is met.

Humana benefits are great but their customer service reps SUCK!!! I have been trying for a week to correct a plan problem. The reps are not AMERICANS and very hard to understand, I have to repeat myself 4 times to different people and the last call I heard roosters and dogs barking. I finally spoke with JAYDON IN unenrollment dept. who I could understand and he say everything I told him was corrected. But now this morning 3/01/2026 I checked my HUMANA and the changes I did NOT want are in effect. Can’t call HUMANA because you get THE SAME THING!!

Poor, I agree that they are incompetent. When I signed up, we went through my short list of medications and they told me what my cost would be for each one. There is one that is essential and without telling me they cancelled it and when I called gave as reason they would only cover one month not three. I went without for 5 days, not good. Got a 30 day supply and was then informed that medication was not covered, have to try for a special exception. And now I can't switch insurance. Horrible, had more problems with them.

A agent signed me up with a plan that I had to pay 118. When I went to Dr and waiting on another Dr bill, I am retired and broke. Then she gave me a food card that was for feet and vitamins because I didn’t have a certain illness. This is not helping Seniors and thanks for putting me in debt 150.00. I do not trust or believe your agents! Your customer service is rude and everyone speaks with a dialect that can’t be understood this America and we speak fluent English!!!!

Do not go with this company. They promise you certain things and don't deliver on any of them. From the promise of groceries with the spend card to the promise of being able to use said card to pay for electric, they're all lies. Also 3 different bills came for the same coverage. Humana is the worst choice out all the few choices we have. PROMISES AND DREAMS SHATTERED.

I think their online shopping for over the counter items is pathetic. They have hardly anything compared to Devoted or United Health Care. Very Very Poor!!! The insurance itself is okay, but the OTC is just terrible!!!!!

My rating of 1 star should actually be a NEGATIVE 5! Since receiving the first notice of declination for a covered dental procedure in November 2025, I have spoken with 5 or more representatives, including a manager, to resolve the "address discrepancy" reason for denial. All of the denial notices indicate I should complete the enclosed form and fax it to a specific number - unfortunately none of the notices include a form. I have been told on 4 occasions that the discrepancy has been resolved, but I have yet to receive payment. I have spoken with the dental office on multiple occasions, and they are as frustrated with Humana Dental as I am. I highly recommend avoiding Humana for dental coverage - you might as well not have insurance!

To all seniors be aware of misleading quotes on your medication and coverage. They are taking advantage of seniors specifically if mentally challenged. They are trying to charge fees on my meds that are not what was presented to me. This is call unfair trade. I like to file a class action lawsuit if I get enough people to join me.

I only regret I can't give a negative 5 as a review. Their "system" would not schedule a ride because I called 5 minutes too late for two days ahead for my cardiology appointment. They started charging for my medicine all of a sudden...No warning. Untrained customer service agents and the list goes on. I'm really missing United Health right now! I was talked into Humana. Bad name for them because there is no "humanity" dealing with Humana. DO NOT USE HUMANA!! DO NOT USE HUMANA!! DO NOT USE HUMANA!!

Their claims process is atrocious. They kept denying a patient to rehab to relearn how to use her hands and walk and instead wanted to only provide her with home healthcare 1-3 hours per week! Even though her doctor and physical therapist in the hospital said it was downright dangerous to send her home in this condition.

Run from corrupt Humana Healthy Horizons in Florida. It's a corrupt crime ring. Get a lawyer or be ready file criminal and civil charges of harassment and conspiracy to sabotage your health care while you're all messed up with your sickness injuries... I believe for now the registered agent is CT corporation system in plantation fl. and there's a local office Miramar and main headquarters in Kentucky.. It's crossed over state lines so you can file in federal court... Good luck from Miami chuck royal green Kendall.. Also I'm still investigating if state owned AHCA has shares in humana healthy horizons in florida because I assume the been giving humana protection to get away with fraud & harassments.

Unprofessional and have no knowledge of what they are doing. Insurance was cancelled and still they took the money out of my account. You send them evidence and still you lose because the response is that there's no payment showing. Really?? Ok. I'm done with this company. Enjoy the $20.49.

I started coverage from Humana through Medicare on January 1st, 2026. I fell and broke my arm at 10 pm on Jan 30th. The emergency room gave me intravenous ** to be able to put my arm in a splint. This was after ** and another pain medication. It was 4 am by the time I was transferred to a hospital. Just walking from the bed to the bathroom made me start vomiting. There is no way I could have been ok at home. First letter I get from Humana is a denial of coverage for the hospital. Way to hit me when I'm down Humana!

"Humana has shown a complete lack of empathy and basic human decency in their repeated denials of a procedure that would life-changing for me. I have lived with advanced Parkinson's for 10 years and severe, debilitating back pain for over a year. Despite following every single one of their 'hoops'—including exhaustive physical therapy, multiple MRIs, X-rays, and countless doctor visits—Humana has twice denied a minor procedure that my specialists confirm would almost completely alleviate my pain and directly improve my ability to walk.

Can’t get a member ID card with my PCP’s name on it. Have called 3 times and explained that I need her NAME (not the medical corporation’s) on my card. Drs are having problems finding my records,referrals, etc. because my card has no physician name on it. Humana promises to mail it but when it arrives it still isn’t correct. Going into 3rd month using Humana, have had 3 different member ID cards and I still don’t have what I need. Very frustrating that no one seems knowledgeable about the processes. Will be changing to a new insurance during next enrollment period.

If I could give a minus even that would be giving Humana too much, Cardiologist put me on ** every 6 months Humana won't cover it. I have been on ** ever since my heartattack. Humana is now refusing to cover that. When insurance companies think they know more than Doctors who actually went to school studied what they are doing, but CEO sitting behind a desk trying to save a company a buck, would rather put people's lives in jeopardy to get that bonus I have no respect for this. I have more respect for the guy who did what he did to the United Healthcare CEO, because it's the same crap. I will go back to United Healthcare. I will not stay with garbage insurance. Close your doors. You're worthless.

If I could give his company a 1/8 of a star, I would. This company has people who just want to shove you around to other departments and not help with anything you need. They refuse to pay for my insulin, which out of pocket is 973 bucks for 3 pens and Hts just fast acting, not even my long-lasting. They told me it wasn't medically necessary for me to have insulin or even my dexcoms which makes it easy for my provider to keep an eye on my blood glucose levels and to be able to help me make adjustments when needed. I did lose my cool with one of their reps because they denied my claims for these medical products without talking to my dr and they said he denied it. How can he deny it if he hasn't spoken to them??? Don't waste your time with this company, they suck!!

Worst insurance in history. This company should be investigated & closed down. For the last several years I've had to pay for my medications in January & February because they require yearly prior authorization for medications you've been taking for almost a decade. I just had major back surgery & I cannot get my medication unless I pay out of pocket. WTF is that. Even speaking to them I'm begging to have to wait for days before I get my medication. A monthly later I received my prior authorization for my 1st medication. WTF? LEAVE HUMANA IF YOU HAVE THEM, DON'T GET HUMANA IF YOU'RE LOOKING. YOU'LL REGRET IT, YOU WILL.

This insurance is piss poor! NONE of my doctors accept this insurance, I have a copay on my meds that I NEVER had in my 17 years of being disabled! Then my over the counter that usually pays my utilities NO LONGER EXISTS because of HUMANA!!!! I now have to wait 365 days before I’m eligible again!!!! Whoever runs this company needs to be FIRED, and they need a WHOLE NEW BOARD because this is quite RIDICULOUS!!!! Stay away from this company.

Incompetence central. I visited a Doctor in another state after checking online and also calling a representative to check that he was in plan and that I would be covered. I ended up having to self pay as he was not in plan. Was in the middle of a move and did not want to doc shop when ill. When I called to move coverage to new state, mentioned the visit and was told by Humana rep that I should make a claim for that visit as it should have been covered. Sent for forms, filled them out, claim rejected as I was past the deadline for appeals.

I agree with others that Humana HMO Gold Advantage USED to be a good plan. Unfortunately, that has changed. My inhaler, which in 2024 cost me $4.06 now costs me $130.00. In 2024, a cardiac ultrasound cost me $20.00. in 2025, it cost me $150.00. Ironically, the amount Humana paid decreased by about $90.00, while my end went up by $130.00. I had intended to look elsewhere during the last open enrollment, but got lazy and blew it off. That won't happen in the 2026 open enrollment.

We had to switch our prescription drug plan when our previous insurer removed a drug my husband needs from its formulary. Humana included this medication in theirs, so it looked like a good option. Fast forward to January and they now say they won't cover the drug for more than 30 days. This is a drug my husband will have to take for the rest of his life. We've been looking for alternatives that would be covered. His doctor gave us 3 possible options. Two of the three had the same restrictions as the one he was already on.

I have only been on this prescription plan since January 2026. Their website has major issues. It will not load on certain older browsers but only puts up a weird network error. It should check the version and if not supported let you know. Instead if you are not technical you think there is a network issue and you will continue to try fruitlessly! There are links that are broken. For instance 'Help and Support' on the main page sends to to a page saying it does not exist.

I cannot give less than one or I would. I signed up for Humana three months ago and the coverage is still not working despite calling my agent. Still no coverage after four phone calls and three months of waiting. I have never experienced this poor service anywhere.

Awful. I've had this company for like 5 years. It has gotten worst every year and this fall I will change health insurance companies. This company is pathetic. I am 70 years old handicap, I've had 7surgeries, open heart pig valve, a pacer, a hip replaced and 4 leg surgeries. I take 5 meds for my heart to stay alive. I'm on SS make hardly anything and I'm paying for heart meds, something I've never had to do before. This company is nothing but a joke, swindle you out of your money then doctors, get this, I'm waiting for 4months to see a regular doctor and another 4months to see a cardiologist. I haven't had my heart checked for over a year because of Humana, company is Trash.

I am just astounded at the incompetence of Humana Dental. They provide an online directory of supposed in-network endodontists. That proved entirely inaccurate and useless. So, I contacted Humana Dental and requested an up-to-date in-network provider list. Out of 18 endodontists on the list they furnished, exactly 1 was actually in-network. The others no longer practiced in my city, their contracts had not been renewed with Humana, or they couldn't even be identified.