Humana is NerdWallet’s pick as the best major Medicare Advantage company. Humana Medicare Advantage plans are widely available with low premiums and competitive drug costs. Many Humana plans also offer a Part B Giveback that covers some portion of your Medicare Part B premiums. Its quality ratings from CMS could be better, however.
UnitedHealthcare stands out for its large network of providers and hospitals and is included on our list of the best Medicare Advantage companies. Its plans, which are sometimes co-branded with AARP, are available with $0 premiums in 46 states. However, UHC doesn’t always score well on customer experience surveys.
Here’s a look at how Humana and UnitedHealthcare Medicare Advantage compare.
45+ Medicare companies and brands analyzed by our team of experts.
30+ years of combined experience covering Medicare and personal finance.
Governed by NerdWallet's strict guidelines for editorial integrity.
NerdWallet’s Medicare content, including articles, reviews and recommendations, is produced by a team of writers and editors who specialize in Medicare. Their work has appeared in The Associated Press, Washington Post, Nasdaq, MSN, MarketWatch, Yahoo! Finance and other national and regional media outlets. They have been cited in publications including Healthline, and appeared on NerdWallet's "Smart Money" podcast.
Humana Medicare Advantage
Humana has widely available low-cost Medicare Advantage plans, many with Part B giveback benefits, but government quality ratings could be better.
Pros
Low premiums and prescription drug costs.
Many plans include Part B Giveback benefits.
Available in 85% of U.S. counties.
Cons
Customer satisfaction scores are low in most major markets surveyed.
Star ratings could be better.
Other factors to consider
Average government quality rating | 3.79 out of 5. |
Percent of plans with $0 premium | 66%. |
Average non-$0 premium | $26.88. |
Average maximum out-of-pocket spending cap (MOOP) | $5,951. |
Medicare Advantage enrollment | Over 7.1 million. |
Averages weighted by enrollment where relevant. | |
Humana Medicare Advantage plan availability
» MORE: Read our full review of Humana Medicare Advantage plans
UnitedHealthcare Medicare Advantage
UnitedHealthcare Medicare Advantage offers a large provider network and $0 premiums in most states, but underperforms on customer experience surveys.
Pros
Large Medicare Advantage medical network with nearly 1 million providers.
Available with $0 premiums in 46 states.
Cons
Customer experience might vary by location.
Other major Medicare companies offer more $0-deductible prescription drug tiers.
Other factors to consider
Average government quality rating | 4.11 out of 5. |
Percent of plans with $0 premium | 52%. |
Average non-$0 premium | $33.90. |
Average maximum out-of-pocket spending cap (MOOP) | $6,492. |
Medicare Advantage enrollment | Nearly 9.4 million. |
Averages weighted by enrollment where relevant. | |
UnitedHealthcare Medicare Advantage plan availability
» MORE: Read our full review of UnitedHealthcare Medicare Advantage plans
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 preferred medical 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?
» MORE: Best Medicare Advantage plans
If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).
Medicare Advantage review methodology
NerdWallet’s Medicare Advantage ratings are based on premiums, out-of-pocket costs, prescription drug coverage, quality data from the Centers for Medicare & Medicaid Services, consumer experience and more. We calculate each health insurance company’s rating on a curved 5-point scale.
NerdWallet’s editorial team analyzed companies covering about 87% of all Medicare Advantage beneficiaries in the United States. We reviewed 25 Medicare Advantage brands, with some insurance companies having more than one brand under their umbrella. (For example, Blue Cross Blue Shield includes the brands Anthem and Highmark.)
The Medicare Advantage marketplace is concentrated among just a handful of companies. In many places, one company serves more than half of the market. At the national level, NerdWallet’s reviews include each of the 10 largest brands by enrollment.
At the state level, our research includes at least one major insurer in every state where Medicare Advantage plans are sold, and includes the top two insurers in 40 of those 49 states. (Alaska doesn't offer Medicare Advantage plans.) We also look at online search volume to identify regional and other notable players in the space.
These reviews are a guide, but we encourage you to shop around and compare several plans to find the best coverage and rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines for additional information.