Humana Auto Insurance Review (2020)

Humana is a health insurance company based in Louisville, KY. Looking for auto insurance? Enter your ZIP code below to compare quotes online.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Oct 28, 2021

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Company Details
Address: 500 West Main Street P.O. Box 740036
City: Louisville
State: KY
ZIP Code: 40201
Phone Number: 800-486-2620
Year Founded: 1961
AM Best Rating: A-
Company Rating 0 (0 reviews)

Things to Remember...

  • Humana does not, and never has, sold any type of auto insurance
  • Humana, Inc. was founded in 1961 and originally called Heritage House of America
  • Humana offers a variety of health care plans to meet a wide range of needs
  • Humana’s largest health insurance area is employer health care plans

Humana Insurance Company is a division of Humana, Inc., and is based in Louisville, Kentucky.

With approximately nine million members it has grown into the largest Fortune 100 Company in Kentucky.

Humana’s main focus is health insurance along with several other related products. Humana does not, and never has, sold any type of auto insurance.

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The remainder of this review will focus on the Humana Company, the plans it offers, contact information, and other bits of background on this provider.

Humana Insurance Company History

Humana, Inc. was founded in 1961 and originally called Heritage House of America.

For its first two decades, it was mainly focused on supporting hospitals and medical clinics.

It continued to grow and expand and in 1984, Humana began marketing employer and individual insurance plans.

Today, Humana is a major player in the health insurance industry.

Its motto is “guidance when you need it most,” and it offers several different types of plans to assist a variety of individuals with a variety of needs. The current CEO of Humana, Inc. is Michael B. McCallister.

Although based in the Southeast U.S. Humana serves all 50 states and Puerto Rico, yet there are some types of policies that are only available in a more regionalized area.

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Humana Insurance Contact Information

Humana Insurance Company
500 West Main Street
P.O. Box 740036
Louisville, KY 40201

Corporate Headquarters Phone Number – 502-580-2712
Toll-Free – 800-486-2620
Employer Group Plan Member Number and Customer Service – 1-800-4Humana

Human Insurance Plans

Humana offers a variety of health care plans to meet a wide range of needs from the elderly to families to military personnel and veterans.

The following is a list of several of Humana’s insurance plans.

  • Medicare Plans – Humana introduced a Medicare part D plan in 2006. These are designed to assist individuals in getting the most out of their Medicare dollars for medical services and prescriptions.
  • Humana One – This individual health care option can be purchased by a private individual and not an employer looking to offer insurance benefits. Humana One plans have a variety of options for individuals, married couples, and families.
  • Humana One Dental and Vision – This individual insurance combines dental and vision coverage for a more comprehensive package.
  • Humana One Life and Supplemental Insurance – A range of policies that includes stand-alone life insurance for individuals, hospital indemnity coverage, and various policies targeted toward specific illnesses.
  • Humana Dental – Humana’s most common dental policy
  • Humana Visioncare – Humana’s most common vision policy
  • Right Source Rx – Prescription drug coverage with home delivery
  • Humana Military – Health care for military beneficiaries in the southern U.S. and Puerto Rico
  • Humana Veterans – Formed in 2007, this plan provides solutions for the health needs of veterans.

Humana Employer Plans

Humana’s largest health insurance area is employer health care plans.

Humana allows employers to give their employees several options to find a plan that meets their needs.

Some of Human’s employer plan options include:

  • High deductible plan – low premiums for those that have very few medical needs
  • PCA Plan – Combines a health care plan with a spending account, no co-pays normally needed
  • Coverage First – Allows a $500 per year allowance for each insured individual
  • PPO – Discounts for using in-network providers
  • HMO – Must use physician’s in network
  • Point of Service (POS) – Similar to an HMO but allows you to go to out of network providers
  • Humana Classic – no provider network

If you are interested in getting a quote from Humana for insurance you can contact the company by phone or apply online.

The website contains easy to follow links to help you choose a plan that meets your needs and budget.

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Humana Insurance Claims

Humana currently does not have an option for customers to file a claim online; however, prior claims can have their status checked online.

If you need to file a claim you have two options. You can print the appropriate forms from the Humana website and mail your claim to:

Humana Correspondence Office
P.O. Box 14601
Lexington, KY 40512-4601

The second option is to fax your claim forms to 1-888-556-2128

Humana Insurance states that it tries to process all claims within 7-10 business days as long as the required documentation has been submitted appropriately.

Humana Insurance Careers

Humana’s website offers individuals seeking a career in the insurance industry the ability to search a database of job openings, apply online, and submit a resume and other information in a simple efficient manner.

Humana offers a variety of benefits for its employees that include:

  • Health insurance
  • Dental insurance
  • Long term care insurance
  • Life insurance
  • Flexible Spending Accounts
  • 401(K)
  • Competitive base pay and recognition bonuses
  • Paid time off
  • Paid holidays
  • Tuition reimbursement

Humana Insurance Reviews

Humana receives a rating of A- excellent from AM Best, which is considered the premiere rating system for both health and auto insurance companies.

This rating is based on company stability, profits, and consumer opinion.

Despite this favorable rating customer reviews on several independent websites were not as positive.

Negative reviews of Humana were the norm on most websites.

Statements made by Humana customers included:

  • Very picky about paying out claims
  • Cover very few procedures
  • Go out of their way to deny claims
  • Poor customer service
  • End up paying a lot of money out of pocket
  • Policy termination without reason
  • Worst dental insurance ever
  • Huge rate increases without explanation

Still some customers were happy with Humana. Statements made by these customers included:

  • Great customer service
  • Great dental coverage
  • Easy application process
  • Wide variety of plans
  • Pleased with their coverage of claim

One website polled customers on their experience with Humana.

The results indicated 71 percent of customers were very dissatisfied with the company while only four percent considered themselves to be very satisfied with Humana.

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