Which health insurance company is the best option for you and your family? Compare UnitedHealthcare and Humana side by side.
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.
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.
|Medicare Star Rating||4.5 stars (out of 5)||3 stars (out of 5)|
|NAIC Complaint Index||0.40% for individual health|
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|
|Humana Mobile App|
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/.
You can begin the enrollment process here or you can have an agent assist you for several free health insurance quotes with SmartFinancial.
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 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
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
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.
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.
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.
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 offers insurance in all 50 states but coverages vary by state.
Humana Insurance offers Medicare plans and group plans for employers. Currently, it is not offering individual & family plans (2020).
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.
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 Contact Info|
|Address||P.O. Box 1459, Minneapolis, MN 55440-1459|
|Phone||1 (800) 328-5979|
|Humana Contact Info|
|Address||300 E. Randolph St. Chicago, IL 60601|
|Phone||1 (800) 654-7385|
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