Humana vs. UnitedHealthcare: Medicare Advantage Comparison

UnitedHealthcare has the biggest network, but Humana offers higher star ratings and member experience scores.
Kate Ashford, CSA®
By Kate Ashford, CSA® 
Updated
Edited by Holly Carey

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Humana is the second-largest Medicare Advantage provider and gets high star ratings from the Centers for Medicare & Medicaid Services (CMS), as well as high member experience scores. More than nine in 10 Humana members are in plans rated 4 stars or above.

UnitedHealthcare is the biggest Medicare Advantage provider and offers the largest Medicare Advantage network, but star ratings from CMS are slightly below the industry average. UHC member experience ratings are middle of the road. Both providers are available in 49 states and Washington, D.C., and Humana is also available in Puerto Rico.

Here’s a look at how Humana and UnitedHealthcare compare.

Humana Medicare Advantage

Humana Medicare Advantage

Humana

4.34

CMS Star Rating

Humana plans are widely available, highly rated by CMS and score well for member satisfaction. Humana also offers $0-premium plans in 49 states, Washington, D.C., and Puerto Rico.

M-F 9am-9pm ET, Sa 10am-9pm ET

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from askchapter.org

States available

49 states, Washington, D.C., and Puerto Rico


Members in high-rated plans

High (90% or more)


Member experience

3.97 (Above average)


States available

49 states, Washington, D.C., and Puerto Rico


Members in high-rated plans

High (90% or more)


Member experience

3.97 (Above average)


Pros

  • Offers $0-premium plans in every U.S. state except Alaska.
  • Higher-than-average overall star rating from CMS.
  • Strong member experience scores among major providers.

Cons

  • Chronic Condition Special Needs Plans available in only 22 states.
  • The National Committee for Quality Assurance gives several Humana plans a 3 or below on its 5-point scale.

Other factors to consider

Provider size

2nd-largest provider of Medicare Advantage plans.

Medicare Advantage enrollment

More than 5.5 million.

Percent of plans rated 4 stars or higher

87%.

Percent of plans with $0 premium

63%.

Plans available

HMO, HMO-POS, PPO, PFFS, SNP.

UnitedHealthcare Medicare Advantage

UnitedHealthcare Medicare Advantage - Chapter

UnitedHealthcare

3.87

CMS Star Rating

UnitedHealthcare Medicare Advantage plans are widely available and boast the largest Medicare Advantage provider network, although member experience ratings are average.

M-F 9am-9pm ET, Sa 10am-9pm ET

Speak to a licensed insurance agent on askchapter.org

GET A QUOTE

from askchapter.org

States available

49 states and Washington, D.C.


Members in high-rated plans

Medium (50% to 89%)


Member experience

3.12 (Average)


States available

49 states and Washington, D.C.


Members in high-rated plans

Medium (50% to 89%)


Member experience

3.12 (Average)


Pros

  • Largest Medicare Advantage medical network of all companies, with more than 1 million providers.
  • Largest Medicare Advantage dental network, and all standard plans offer dental coverage.
  • Available in 49 states and Washington, D.C.

Cons

  • Member experience scores are average.
  • Offers one of the highest-priced special needs plans, although lower-priced plans are also available.

Other factors to consider

Provider size

Largest provider of Medicare Advantage plans.

Medicare Advantage enrollment

More than 9.4 million.

Percent of plans rated 4 stars or higher

53%.

Percent of plans with $0 premium

69%.

Plans available

HMO, HMO-POS, PPO, PFFS, SNP.

Find the right Medicare Advantage plan

It’s important to do your research before selecting a Medicare Advantage plan for yourself. Here are some questions to consider asking:

  • What are the plan’s costs? Do you understand what the plan’s premium, deductibles, copays and/or coinsurance will be? Can you afford them?

  • Is your doctor in-network? If you have a preferred medical provider or providers, make sure they participate in the plan’s network.

  • Are your prescriptions covered? If you’re on medication, it’s crucial to understand how the plan covers it. What tier are your prescription drugs on, and are there any coverage rules that apply to them?

  • Is there dental coverage? Does the plan offer routine coverage for vision, dental and hearing needs?

  • Are there extras? Does the plan offer any extra benefits, such as fitness memberships, transportation benefits or meal delivery?

If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).

Still deciding on the right carrier? Compare Medicare Advantage plans

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