Humana vs. Blue Cross Blue Shield Insurance

Which health insurance company is the best option for you and your family? Compare Humana and Blue Cross Blue Shield side by side.

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Humana vs. Blue Cross Blue Shield: What You Need to Know

In 2001, Humana partnered with Navigy to create an online web portal called availity.com, which enables physicians and health providers to conduct business with the two companies. Four years later Human partnered with Virgin Group, offering financial incentives to those with healthier lifestyles. In 2006, Humana launched RightSource, a nationwide pharmacy business. In March 2008, Fortune Magazine named Humana one of the top five “most admired healthcare companies in the U.S.

Humana (HUM) is the third-largest health insurance provider in the US. Their headquarters are in Louisville, Kentucky. Humana has over 13 million customers in the U.S and is 73rd in Fortune 500 rankings. Humana no longer offers individual medical insurance. However, you can shop rates on their website with partner carriers. Or, you can compare quotes with SmartFinancial.

Blue Cross was formed in 1929 as a partnership between Baylor University Hospital and its patients who were struggling financially. The administrators of the hospital wanted to make healthcare more affordable for some patients, many of whom were Dallas public school educators on restricted budgets. The initial payment plan set up by Baylor University Hospital consisted of a 50-cent prepay each month for up to 21 days of hospitalization per year. The success of the program lead to enrollment by employees in other professions across Dallas.

To learn more about each company, you can check out the Humana Overview and Blue Cross Blue Shield Overview.

What is Humana and Blue Cross Blue Shield Insurance Rating?

Which health insurance company is better? We've made it easy to compare companies side by side. See how Humana and Blue Cross Blue Shield ranked among the industry ratings.

ComparisonHumanaBlue Cross Blue Shield
Year Founded19611929
Medicare Star Rating3 stars (out of 5)
BBB RatingA+A-
NAIC Complaint Index0.40% for individual health
Market Share Percentage14.1%
Financial StrengthExcellent
A.M. Best RatingA
S&P RatingA+

Pros & Cons of Humana or Blue Cross Blue Shield

Pros

Humana
  • Humana Health Insurance is a trusted and reliable source for Medicare Supplements and Medicare Advantage.
  • Humana offers commercial health insurance options.
Blue Cross Blue Shield
  • Blue Cross Blue Shield is financially strong and stable
  • As a subsidiary of Anthem Inc. BCBS is one of the most prominent health insurers.
  • Blue Cross Blue Shield offers global coverage and a global coverage app on itunes and GooglePlay.
  • BCBS is available in 50 states and is accepted by 90% of doctors and specialists.

Cons

Humana
  • Humana Health Insurance no longer offers individual and family health plans.
Blue Cross Blue Shield
  • Blue Shields prices are slightly higher than the average.

Humana and Blue Cross Blue Shield Mobile Apps Options

The MyHumana app allows users to find doctors, hospitals, and pharmacies, view claims, and pay your bill. They also offer an app called Humana Pharmacy which helps you to manage your prescriptions.

Each state has its own Blue Cross Blue Shield app on iTunes and GooglePlay. The app allows users to find doctors, hospitals, and pharmacies, view claims, pay bill, and manage prescriptions.

Humana Mobile App
iOS     3.1561 users
Android     3.93,372 users
Blue Cross Blue Shield Mobile App
Blue Cross Blue Shield mobile app varies by State

Humana and Blue Cross Blue Shield Enrollment Process

Humana

You can begin the enrollment process here or you can have an agent assist you for several free health insurance quotes.

Blue Cross Blue Shield

Blue Cross Blue Shield is available through participating employers for group insurance. You can also buy an individual or family plan directly from Blue Cross Blue Shield, the health insurance marketplace or you can get several free quotes.

You can also contact 888.630.2583 to learn more about Blue Cross Blue Shield options for individuals and families or find a local BCBS company by visiting here.

How to File a Claim with Humana and Blue Cross Blue Shield Insurance

Humana

To submit electronic claims, you or your billing agent need to use a third-party claims clearinghouse vendor, like Availity. For paper claims, you need to complete the right claim forms.

Paper claims and encounters submission addresses for Humana medical claims:

Humana Claims: P.O. Box 14601, Lexington, KY 40512-4601

HumanaDental® claims: P.O. Box 14611, Lexington, KY 40512-4611

Humana encounters: P.O. Box 14605, Lexington, KY 40512-4605

Claim overpayments: Humana, P.O. Box 931655, Atlanta, GA 31193-1655

HumanaOne® claim submissions: HumanaOne, P.O. Box 14635, Lexington, KY 40512-4633

Blue Cross Blue Shield

If you use a network doctor or hospital, your claims will be submitted by that provider. If you see an out-of-network provider, you need to submit the claim yourself. You must submit a completed claim form or alternative documentation via fax or mailing address. As an alternative to sending a claim form, supply a description of services, a bill of charges from the provider, and any medical documents you received from your provider.

For medical and/or dental services in the U.S. Puerto Rico or the U.S Virgin Islands, Use these claim forms. For anywhere else or on a cruise ship outside the U.S. use the Blue Cross Blue Shield Global Core international claim forms. For prescriptions inside or outside the U.S. or U.S. territories: Use these claim forms.

Common Questions About Blue Cross Blue Shield and Humana Insurance

Humana

Who is eligible for Humana insurance?

If you are eligible for Medicare you are eligible for Humana Insurance. If you are citizen of the U.S or have been a legal resident for at least 5 years and are age 65 or older and you or your spouse worked for at least 10 years (or 40 quarters) n Medicare-covered employment.

What are the Humana Part D 2020 Plans?

New in 2020 is Humana’s Walmart Value Rx Plan, which is $13.20 a month and available in 47 states plus the District of Columbia. Redesigned for 2020, the Premier Rx Plan offers broader coverage for prescription drugs. The Humana Basic Rx Plan remains the same and is designed to keep copays between $0 and $1 after deductible. The Humana Part D plan is the prescription drug plan.

What does Humana’s Medicare Advantage Plan cover?

Medicare Advantage is a private version of Original Medicare. If you choose Humana’s Medicare Advantage over Original Medicare, you are choosing Medicare Part C, which replaces Part A and B. Humana offers HMO plans which are the most affordable. Plus, Human offers PPO plans, PFFS plans and Special Needs Plans (SNPs). Depending on whether or not you have a chronic condition you can choose a plan based on your individual needs.

How to order OTC with Humana pharmacy online?

First download the Humana Pharmacy mobile app (see more on this above). You can then order OTC products online through your HumanaPharmacy.com account. You also have the option of mailing or faxing the Health and Wellness Products Order Form after filling it out.

Check out our full list of common questions about Humana.

Blue Cross Blue Shield

Is Blue Cross the same as Blue Shield?

Blue Cross and Blue Shield took their partnership a step farther, by consolidating staff and operations, forming the Blue Cross Blue Shield Association in 1982. The Blue Cross and Blue Shield Association (BCBSA) is a federation of 36 independent, community-based and locally operated Blue Cross and Blue Shield companies.

How does Blue Cross Blue Shield work?

Blue Cross Blue Shield (BCBS) offers employer-provided health insurance or group health insurance. BCBS also offers individual and family health plans.

What is the Blue365® program?

Blue365 is a free health and wellness discount program offered to members. It includes discounts on gym memberships, fitness gear, healthy eating options and more.

Does Blue Cross Blue Shield cover outside the US?

For people living or working abroad for an extended period of time, there are GeoBlue plans available through BCBS.

Check out our full list of common questions about Blue Cross Blue Shield.

Humana and Blue Cross Blue Shield Insurance Contact Info

Humana Contact Info
Address300 E. Randolph St. Chicago, IL 60601
Phone1 (800) 654-7385
Websitehttps://www.humana.com/
Facebookhttps://www.facebook.com/Humana/
Youtubehttps://www.youtube.com/humana
Twitterhttps://twitter.com/Humana
Linkedinhttps://www.linkedin.com/company/humana/
Blue Cross Blue Shield Contact Info
Address225 North Michigan Ave, Chicago, IL 60601
Phone1 (888) 630 - 2583
Websitehttps://www.bcbs.com/
Facebookhttps://www.facebook.com/AnthemBlueCrossBlueShield/
Youtubehttps://www.youtube.com/user/bluecrossblueshield
Twitterhttps://twitter.com/BCBSAssociation
Linkedinhttps://www.linkedin.com/company/blue-cross-and-blue-shield-association/

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