Humana vs. WellCare Insurance

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

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Humana vs. WellCare: 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.

In 1985, Wellcare began as a Medicaid provider for the state of Florida, with operations in Tampa, Florida. After the Balanced Budget Act of 1997 was passed, WellCare began offering Medicare Part C, now called Medicare Advantage. In 2003, it offered Medicare Advantage plans with prescription drug coverage. In 2004, Wellcare went public. In November 2013, WellCare appointed Chairman David Gallitano to serve as interim CEO. He increased spending on technology and famously dorned the walls with photographs and portraits of health plan members, including people who suffer from chronic conditions like cancer, homelessness and hunger. In 2014, WellCare hired Kenneth Burdick as the new CEO and board member. He’d originally joined the company as the president of national health plans but was promoted first to president and COO and eventually CEO. In September 2017, Wellcare announced a rebrand with a focus on holistic health: “Beyond Healthcare: A Better You.” In October 2017, Wellcare announced the UNC Health Alliance primary care physicians and specialists into its Medicare Advantage network. Wellcare operates in 20 states and was recognized by Fortune magazine as One of the World’s Most Admired Companies in January 2018. In January 2020, Wellcare was acquired by Centene Corporation.

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

What is Humana and WellCare Insurance Rating?

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

ComparisonHumanaWellCare
Year Founded19611985
Medicare Star Rating3 stars (out of 5)3.57 stars (out of 5)
BBB RatingA+A+
NAIC Complaint Index0.40% for individual health

Pros & Cons of Humana or WellCare

Pros

Humana
  • Humana Health Insurance is a trusted and reliable source for Medicare Supplements and Medicare Advantage.
  • Humana offers commercial health insurance options.
WellCare
  • Affordable Medicare plans with many options for savings.
  • Offers PPO plans for Medicare Advantage, allowing for more freedom in choosing providers.

Cons

Humana
  • Humana Health Insurance no longer offers individual and family health plans.
WellCare
  • The PPO plans are only available in select counties in New York, Georgia, Florida and South Carolina.
  • Medicare ratings have dropped over the past few years, possibly due to rapid expansion and acquisition.

Humana and WellCare 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.

The MyWellCare app allows you to keep track of your benefits, look for providers, and use it as a digital ID Card.

Humana Mobile App
iOS     3.1561 users
Android     3.93,372 users
WellCare Mobile App
iOS     1.753 users
Android     2.3209 users

Humana and WellCare Enrollment Process

Humana

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

WellCare

You can get several free health insurance quotes with SmartFinancial. For Wellcare enrollment forms visit here.

How to File a Claim with Humana and WellCare 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

WellCare

Your doctor or care provider should submit a claim to the insurer. You should be covered except for copay. Your insurer will send you an explanation of benefits. If you owe anything, your doctor will send you a bill. If you visit an out-of-network provider, you will not be covered unless it was an emergency. Call 1-800-919-8807 with any additional questions.

Common Questions About WellCare and Humana Insurance

Humana

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.

What is Humana Basic Rx Plan™?

The Humana Basic Rx Plan remains the same and is designed to keep copays between $0 and $1 after a deductible.

Where is the policy number on the Humana insurance card?

Your policy number can be found on the front of your insurance card.

Is Humana dental insurance good?

Humane offers PPO, DHMO, discount, and value dental plans. You can find dental insurance for any budget. Humana also has an extensive list of in-network providers.

Check out our full list of common questions about Humana.

WellCare

What is WellCare insurance?

WellCare provides managed care services through Medicaid, Medicare Advantage and Medicare Prescription Drug plans.

Is WellCare good insurance?

WellCare received 3.57 stars out of 5 by Medicare’s rating system. It has an A+ rating with the Better Business Bureau (BBB).

Who takes WellCare insurance?

Wellcare has a network of providers. To find a WellCare provider or to see if your doctor accepts Wellcare, visit here.

Are Wellcare and Centene the same?

Centene acquired Wellcare in January 2020.

Check out our full list of common questions about WellCare.

Humana and WellCare 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/
WellCare Contact Info
AddressP.O. Box 31370
Phone1 (800) 960-2530
Websitehttps://www.wellcare.com/
Facebookhttps://www.facebook.com/WellCareHealthPlans/
Youtubehttps://www.youtube.com/channel/UCpI5y9aJ895uevK-EAG67eA
Twitterhttps://twitter.com/PlansWellcare
Linkedinhttps://www.linkedin.com/company/wellcare/

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