Humana Health Insurance Vs. UnitedHealthcare: Which Company is Best in 2021?

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Humana Inc. is an American for-profit health insurance company headquartered in Louisville, Kentucky. Founded on August 18, 1961, Humana is the third-largest health insurance organization in the United States. In 2018, the company ranked 56 on the Fortune 500 list. This made it the highest revenue generated company based in Kentucky.

UnitedHealth Group Incorporated is a for-profit health care organization based in Minnetonka, Minnesota, U.S. UnitedHealthcare is a part of UnitedHealth Group, which offers health care products and insurance services. Founded in 1977, the total revenue of United Healthcare comprises 80% of the Group’s overall revenue.

Humana Health Insurance Vs. UnitedHealthcare

Here is a brief comparison between Human Health Insurance and UnitedHealthcare:

Health plans

Both Humana Health Insurance and UnitedHealthcare offer a wide range of health plans for their customers. Humana provides strong health plans that provide real-time medical health insurance coverage. But, UnitedHealthcare, on the other hand, provides cheaper health plans in many regions. UHC also has robust Health Savings Account plans. Here in terms of the plan benefits, UnitedHealthcare comes ahead by a few points.

Network coverage areas

UnitedHealthcare has always been at the peak of health insurance network coverage areas. With 1.3 million doctors and specialists, the network coverage of UnitedHealthcare is tough to defeat. However, Humana beats UHC in the southeast regions of the U.S., where it is very strong and powerful. But, with Humana’s EPO network and UHC’s PPO nationwide network, UnitedHealthcare is undoubtedly the winner.

Medicare Advantage Plans

UnitedHealthcare Humana Health Insurance
  • Exclusive Provider Organisation (EPO) – UnitedHealthcare Select
  • Preferred Provider Organisation (PPO) – UnitedHealthcare Select Plus
  • Health Maintenance Organisation (HMO) – UnitedHealthcare Choice
  • Private Fee-for-Service (PFFO) / Point-of-service (POS) – UnitedHealthcare Navigate, Charter, and Compass
  • Health Maintenance Organization (HMO)
  • Preferred Provider Organisation (PPO)
  • Private Fee-for-Service (PFFO)
  • Special Needs Plan (SNP)
  • Medicare Medical Savings Account (MSA)

 

 

UnitedHealthcare offers Medicare Advantage plans for its 6 million Medicare Advantage customers in 25 states. In contrast, Humana Health Insurance provides Medicare Advantage plans in 47 countries.

Medicare Supplement Plans

Health Insurance Companies Medicare Supplement Plans
Humana Health Insurance A, B, C, F, HD-F, K, L, N
UnitedHealthcare A, B, C, F, G, K, L, N

 

Humana Health Insurance offers various Medicare Supplement plans and Medicare Part D coverage in 50 states of the U.S. These Medicare Supplement plans include Plan A, B, C, F, HD-F, K, L, and N. Besides, Humana offers online discounts for their products and services.

Whereas UnitedHealthcare offers Plan A, B, C, F, G, K, L, and N for their Medicare Supplement plans. They provide customers with enrolment and household discounts for their products and services.

Is it good to have a $0 deductible?

Zero-deductible plans generally have higher monthly premiums. On the other hand, high-deductible plans come with lower premiums. No deductible insurance plan may attract consumers who frequently visit doctors or take any medications.

Keeping all the discussions in mind, it is seen that UnitedHealthcare comes ahead of Humana Health Insurance (www.humana.com) in various fields. Hence, to sum up, Unitedhealthcare is a better option for choosing health care plans. But as a customer, you should always check with different health care plans that best fit your medical and financial needs.

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