UnitedHealthcare vs. Humana Insurance

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

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UnitedHealthcare vs. Humana: What You Need to Know

UnitedHealth Group was founded in 1977 by Richard Burke and went public in 1984. It was Dr. Paul Ellwood, who coined the term “health maintenance organization,” and who helped Burke start-up UnitedHealth. In 1979, the company created the first network senior health plan.

Humana is a leading managed health care company founded by David A. Jones Sr in 1961 as a nursing home company called Extendicare. In 1972 Extendicare divested the nursing home business and moved into the hospital business. They changed the name to Humana in 1974.

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

What is UnitedHealthcare and Humana Insurance Rating?

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

ComparisonUnitedHealthcareHumana
Year Founded19771961
Medicare Star Rating4.5 stars (out of 5)3 stars (out of 5)
BBB RatingA+A+
NAIC Complaint Index0.40% for individual health

Pros & Cons of UnitedHealthcare or Humana

Pros

UnitedHealthcare
  • Robust health plans and benefits for Medicare and Medicaid recipients.
  • Marketplace plans for individuals and families that do not qualify for Medicaid or Medicare.
  • Popular mobile app makes it easy to stay on top of your account.
  • UnitedHealth is available in all 50 states.
Humana
  • Humana Health Insurance is a trusted and reliable source for Medicare Supplements and Medicare Advantage.
  • Humana offers commercial health insurance options.

Cons

UnitedHealthcare
  • Plans are in general more expensive than those of other health insurance providers.
Humana
  • Humana Health Insurance no longer offers individual and family health plans.

UnitedHealthcare and Humana Mobile Apps Options

The Health4Me app from UnitedHealthcare allows you to look for doctors and review your coverage and benefits.

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.

UnitedHealthcare Mobile App
iOS     4.510.1K users
Android     4.616,316 users
Humana Mobile App
iOS     3.1561 users
Android     3.93,372 users

UnitedHealthcare and Humana Enrollment Process

UnitedHealthcare

UnitedHealth Group offers plans through the health insurance marketplace. You can begin searching for plans with SmartFinancial's Healthcare Insurance page.

Each state has its own marketplace. If you’re not sure where to begin, visit https://www.healthcare.gov/.

Humana

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

How to File a Claim with UnitedHealthcare and Humana Insurance

UnitedHealthcare

UnitedHealth Group pays network providers directly but if you are billed by a provider, you can contact UnitedHealth Group at 1 (800) 328-5979. If you are filing a claim for an out-of-network provider for an emergency or because you were referred to the provider by UnitedHealth Group you must submit the following information

  • The Policyholder's name and address.
  • The patient's name and age.
  • The number stated on your ID card.
  • The name and address of the provider of the service(s).
  • The name and address of any ordering Physician.
  • A diagnosis from the Physician.
  • An itemized bill from your provider that includes the Current Procedural Terminology (CPT) codes or a description of each charge.
  • The date the Injury or Sickness began.
  • A statement indicating either that you are, or you are not, enrolled for coverage under any other health insurance plan or program. If you are enrolled for other coverage you must include the name of the other carrier(s).

The above information should be sent to: UnitedHealthcare P.O. Box 740800 Atlanta, GA 30374-0800

If filing a claim for Outpatient Prescription Drug Benefits, your claims should be submitted to: Optum Rx P.O. Box 29077 Hot Springs, AR 71903

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

Common Questions About Humana and UnitedHealthcare Insurance

UnitedHealthcare

Is UnitedHealthcare Motion worth it?

UnitedHealthcare Motion® is a walking program created for better health and to help lower out-of-pocket costs. If your health plan includes Motion, you can save money if you stay active.

What does the UnitedHealthcare dental cover?

Different plans cover different things but preventive dental care, like cleanings and x-rays, is usually covered, as are basic services like fillings and extractions, and major services like root canals, crowns, and more.

Does UnitedHealthcare pay for a gym membership?

Renew Active is a Medicare fitness program for the mind and body. It includes a free gym membership. You can choose a gym from one of UnitedHealthcare’s wide network.

How much is UnitedHealthcare cobra?

Cobra is an option if you lose your job suddenly. Under COBRA you’ll have to pay the full premium for your coverage, plus an administrative fee. COBRA coverage is only a short-term solution, so it’s a good idea to explore other options by comparing health insurance quotes. When you lose a job, you are able to buy a health plan outside of the open enrollment period.

Check out our full list of common questions about UnitedHealthcare.

Humana

What states offer Humana Insurance?

Humana offers insurance in all 50 states but coverages vary by state.

Is Humana Insurance only for seniors?

Humana Insurance offers Medicare plans and group plans for employers. Currently, it is not offering individual & family plans (2020).

What are the different types of Humana plans?

For Medicare plans, Humana offers Medicare coverage options outside Medicare Parts A and B, long-term care, dental care, vision care, some transportation services, prescription coverage, DME coverage, overage for deductibles for Medicare Part A and Part B and more. It offers Medicare Advantage and Medicare Supplement plans.

Who is eligible for Humana insurance?

If you are eligible for Medicare you are eligible for Humana Insurance. If you are a 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.

Check out our full list of common questions about Humana.

UnitedHealthcare and Humana Insurance Contact Info

UnitedHealthcare Contact Info
AddressP.O. Box 1459, Minneapolis, MN 55440-1459
Phone1 (800) 328-5979
Websitehttps://www.unitedhealthgroup.com/
Facebookhttps://www.facebook.com/groups/uhgemployees/
Youtubehttps://www.youtube.com/user/UnitedHealthGroup
Twitterhttps://twitter.com/UnitedHealthGrp
Linkedinhttps://www.linkedin.com/company/unitedhealth-group/
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/

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