Humana

Complaints & Reviews on USAComplaints

USAComplaints currently maintains 63 historical complaints about Humana, published between 2005 and 2013. No approved complaints have been published on this site during the last three years. For a current reputation snapshot, see the independent sources below.

• Unable to Return Unwanted and Unopened PrescriptionsPublished Oct 10, 2013 · Historical consumer allegation
• Humana debited annual dental premium after plan was cancelledPublished Sep 19, 2013 · Historical consumer allegation
• Humana demanded payment 120 days later for its own billing errorPublished Mar 14, 2013 · Historical consumer allegation
• Dental Plan Refused Refund of $79.96 After Denying CoveragePublished Jan 21, 2013 · Historical consumer allegation
• Hours on Hold and Prescriptions Never Ordered, Meds Delayed a MonthPublished Jan 20, 2013 · Historical consumer allegation
• Medication Denied as Non-Formulary for Over a Year, Brand Cost ChargedPublished Jan 15, 2013 · Historical consumer allegation
• Medicare Supplement Premium Overcharges and Unpaid ClaimsPublished Jan 2, 2013 · Historical consumer allegation
• Dental Insurance Fillings ScamPublished Nov 16, 2012 · Historical consumer allegation
• Insurer Refused Dental Accident Care Despite Federal Court RulingPublished Nov 12, 2012 · Historical consumer allegation
• Dental Plan Had No Local Providers and No Online Cancellation OptionPublished Oct 26, 2012 · Historical consumer allegation
• Told Under Year Contract After Cancelling Dental Plan Within 30 DaysPublished Aug 23, 2012 · Historical consumer allegation
• Uncle Discharged From Nursing Rehab After Two Days NoticePublished Aug 10, 2012 · Historical consumer allegation
• Seniors Cannot Reach Anyone and Paying Out of PocketPublished Jul 16, 2012 · Historical consumer allegation
• Charged Premium After Written Cancellation RequestPublished Jul 9, 2012 · Historical consumer allegation
• Humana One Dental Charged Premium After Cancellation RequestPublished Jun 19, 2012 · Historical consumer allegation
• Providers Refused Humana Because It Would Not Pay BillsPublished Jun 18, 2012 · Historical consumer allegation
• Appeals Stall With Repeated Requests for More InformationPublished Jun 11, 2012 · Historical consumer allegation
• Humana Denied Claims After Confirming Patient EligibilityPublished May 11, 2012 · Historical consumer allegation
• Dental plan misrepresents covered exams and restoration discountsPublished Apr 23, 2012 · Historical consumer allegation
• Claim denied after switching doctors within the same clinicPublished Apr 21, 2012 · Historical consumer allegation

Complaint Themes

Each tag reflects a complaint's single primary theme (not every angle it raised), and complaints outside any problem theme — a positive report, or one later retracted by its author — aren't tagged. Counts may total less than the full complaint count above.

Independent Sources

Shown for context — not merged with USAComplaints' own numbers.

Contacts

• Official website: https://www.humana.com/
• Medicare plans, member and prospective-member line (Mon-Fri 8 a.m.-8 p.m. local time): 800-457-4708 5 complaints mention this number
• Contact Humana (member help and contact options): https://www.humana.com/contact-us
• File a complaint or request an appeal online (Medicare members): https://resolutions.humana.com/medicare-support/information/assistance-and-protection/medicare-help
• Expedited appeal requests, Medicare members (Mon-Fri 8 a.m.-8 p.m. Eastern): 1-800-867-6601
• Appeals by fax: medical services: 1-800-949-2961
• Appeals by fax: medications: 1-877-556-7005
• Corporate telephone listed in SEC filings (not a member-service line): (502) 580-1000 4 complaints mention this number

Locations

Humana complaints, appeals and grievances: what Humana's and Medicare's own pages say (checked October 14, 2026)

Humana's and Medicare.gov's pages, opened on October 14, 2026, describe the routes below. Plan documents, notices and deadlines for your specific plan govern; this page does not give legal or medical advice.

Appeal (a coverage or payment decision). Medicare.gov says to file an appeal if a plan refuses to cover a service, supply or prescription, or if you got a bill for a claim you already submitted. Humana's appeals page for Medicare members says: "You have up to 65 days from the initial determination or claim denial date to request an appeal. If it has been more than 65 days, good cause will need to be provided." Standard appeals can be sent by mail to Humana Grievances and Appeals, P.O. Box 14165, Lexington, KY 40512-4165, or by fax to 1-800-949-2961 (medical services) or 1-877-556-7005 (medications); the page offers a Medical Service Appeal Request Form in English and Spanish and an online filing option. For an expedited appeal Humana lists 1-800-867-6601 (TTY 711), Monday to Friday, 8 a.m. to 8 p.m. Eastern, and says that a request is not eligible for an expedited response if the member has already received the denied medication or service. The same page has a separate Medicaid members tab with its own rule ("You have up to 60 days from the initial determination or claim denial date to request an appeal"), state-specific phone numbers and P.O. Box 14546, so Medicaid members should use that tab rather than the Medicare 65-day rule above.

Complaint (also called a grievance). Medicare.gov says a complaint is the right route for problems with the quality of care or with how a plan treats you, and that you can use the Medicare Complaint Form or follow the instructions in your plan's membership materials; a plan's contact information is generally on the membership card. Medicare.gov gives 1-800-MEDICARE (1-800-633-4227; TTY 1-877-486-2048) as its general number. Its complaints page also says that a complaint can be filed anonymously (the method depends on the type of complaint), that a family member or friend helping with a complaint can be appointed as a representative, and that State Health Insurance Assistance Programs (SHIPs, shiphelp.org) give free, personalized health insurance counseling.

Leaving or changing a Medicare plan. Medicare.gov's Joining a plan page says a Medicare health or drug plan can be joined, switched or dropped only during certain enrollment periods. It lists the Open Enrollment Period (October 15 to December 7, coverage starting January 1), the Medicare Advantage Open Enrollment Period (January 1 to March 31, for people already in a Medicare Advantage plan, to switch plans or return to Original Medicare) and Special Enrollment Periods for specific life situations. Humana's own cancellation or disenrollment instructions were not checked for this page; for Humana's Medicare plans line see the Contact us page (800-457-4708, TTY 711).

BBB. BBB's Humana profile notes that Humana can share details of a consumer's health issues with BBB only with a HIPAA-compliant authorization; without one, Humana contacts the consumer directly.

Other routes. Humana's Contact us page lists online chat through a MyHumana account, X (@HumanaHelp, 6 a.m. to 8 p.m. Eastern) and phone numbers by plan type (Medicare, individual dental and vision, Medicaid, employer group, agents, providers). Rules for non-Medicare plans differ by plan type and state; those pages were not part of this check.

Government and regulatory matters disclosed in Humana's SEC filings

The items below come from Humana's own 10-K for 2025 (filed February 19, 2026) and 10-Q for the quarter ended June 30, 2026 (filed July 29, 2026), opened on October 14, 2026. They are Humana's descriptions of matters; allegations are not findings.

Department of Justice information requests on risk adjustment. Humana says the Civil Division of the U.S. Department of Justice has from time to time provided it with information requests concerning its Medicare Part C risk adjustment practices, and that it continues to cooperate.

DOJ complaint in partial intervention (May 1, 2025). DOJ's own press release of May 1, 2025 says the United States alleges that Aetna, Elevance and Humana paid illegal kickbacks to brokers (eHealth, GoHealth, SelectQuote) in exchange for Medicare Advantage enrollments and that "Aetna and Humana each conspired with the broker defendants to discriminate against Medicare beneficiaries with disabilities whom they perceived to be less profitable"; the release states that the claims are allegations only and there has been no determination of liability. Humana says DOJ filed a complaint in partial intervention in a qui tam lawsuit brought by a former eHealth employee in the U.S. District Court for the District of Massachusetts (United States ex rel. Andrew Shea v. eHealth, Inc., et al., 1:21-cv-11777). It alleges violations of the federal False Claims Act in connection with non-commission payments Humana made to three call-center broker partners and includes allegations about Humana's marketing of Medicare Advantage plans to beneficiaries under age 65. Humana says it will vigorously defend. See the Lawsuits section for the docket status.

State and other regulators. Humana's filings say its business practices are subject to review by state insurance and health care regulators and other authorities, covering topics such as claims payment, utilization management, sales practices and access to care, and that some reviews "have historically resulted in fines" and some have required changes to practices. Individual state orders were not catalogued for this page. The CMS Part C and Part D enforcement actions page was opened on October 14, 2026, but the listings it links to were not opened, so CMS civil money penalty history for Humana was not checked.

Humana as plaintiff. Humana has also sued the federal government over Medicare Advantage rules and Star Ratings; those cases are listed in the Lawsuits section.

Who is Humana? Companies, products and scale

Humana Inc. is a Delaware corporation whose 10-K for 2025 gives its principal executive offices as 101 East Main Street, Louisville, Kentucky 40202 and says it was organized as a Delaware corporation in 1964 (BBB's page data shows a business start of 1961). Its common stock trades on the New York Stock Exchange as HUM. The 10-K reports two segments, Insurance and CenterWell, and says that at December 31, 2025 Humana had approximately 15 million members in its medical benefit plans and 4.7 million members in specialty products, including approximately 5.2 million individual Medicare Advantage members (about 1.0 million of them in Florida).

Products described in the 10-K include individual and group Medicare Advantage, stand-alone Medicare Part D prescription drug plans, Medicare supplement, state-based Medicaid contracts, TRICARE administrative services for the Department of Defense (participating since 1996), and dental and vision specialty benefits. The CenterWell segment includes CenterWell Pharmacy (mail order), CenterWell Primary Care clinics and CenterWell Home Health.

In an 8-K dated October 13, 2026, Humana reported a new joint-venture arrangement with funds managed by HPS Investment Partners, a subsidiary of BlackRock, for a network of CenterWell Senior Primary Care clinics, replacing existing joint ventures with funds affiliated with Welsh, Carson, Anderson & Stowe. On October 9, 2026 it said, based on CMS's final 2027 Medicare Advantage Star Ratings data released October 8, 2026, that it had exceeded its goal of Top Quartile results, which the 8-K defines as Stars revenue per member per month 10 percent above the peer-group median (the company's statement; this is a revenue measure, not a Star Rating level, and this page gives no CMS Star Rating values).

Complaint record: BBB, Trustpilot and this site's archive (as displayed October 14, 2026)

BBB. The BBB headquarters profile for Humana, Inc. (Louisville, KY), as displayed on October 14, 2026, shows a rating of A+ and says Humana is BBB Accredited (accredited since September 17, 1998 in the page data). BBB's complaints tab says "302 total complaints in the last 3 years" and "85 complaints filed in the last 12 months", The complaints tab's filter lists BBB's complaint types with counts: Billing Issues (139), Customer Service Issues (72), Service or Repair Issues (40), Product Issues (32), Delivery Issues (8), Sales and Advertising Issues (7) and Order Issues (4), and statuses Complaint Answered (239) and Complaint Resolved (63). BBB assigns the types; they are shown as displayed and are unverified consumer accounts. The reviews tab shows an average of 1.14 out of 5 from 312 customer reviews; BBB says customer reviews are not used in its letter grade. These are different measures and are not combined.

Trustpilot. The profile for www.humana.com is unclaimed, shows 1.4 out of 5 from 425 reviews (225 in the last 12 months) and the notice that the company has not invited customers, so reviews may not be representative. Trustpilot does not fact-check reviews.

This site's archive. 63 complaints in our archive are linked to Humana as the subject; they were posted between 2005 and 2013 and are the submitters' own accounts, not findings. By simple keyword matching on their text: 40 mention a denial or refusal to pay or cover, 28 mention cancellation, disenrollment, refunds or termination, 26 mention prescriptions, formularies, co-pays or Part D, 15 mention dental plans, and 27 mention agents, sales or statements that the writer calls misleading. One further post is linked as a creditor-side mention in a collection dispute. Posts can match several keywords, and the counts are not a measure of how often any event occurs. No archive posts about Humana dated after 2013 were identified in the selection checked on October 14, 2026. Six machine-spun or duplicate posts were excluded.

Lawsuits involving Humana

Insurers are regularly sued and also sue; the cases below were checked on public dockets (CourtListener) or in Humana's SEC filings on October 14, 2026. Allegations are not findings.

United States ex rel. Shea v. eHealth, Inc., et al. (D. Mass., 1:21-cv-11777, filed November 2, 2021; Chief Judge Denise J. Casper). The United States filed a notice of election to intervene in part on January 13, 2025 (decline in part, and not intervene at that time in part) and filed its complaint in partial intervention on May 1, 2025. In its press release of May 1, 2025 the Department of Justice alleges that the three insurers paid kickbacks to the three broker organizations for Medicare Advantage enrollments and that Aetna and Humana each conspired with the brokers "to discriminate against Medicare beneficiaries with disabilities whom they perceived to be less profitable"; the release says the claims are allegations only and that there has been no determination of liability. Humana says it will vigorously defend. The docket shows defendants including Humana Inc., Aetna, Elevance Health, GoHealth, SelectQuote, eHealth and eHealthInsurance Services. A Memorandum and Order on March 25, 2026 denied the defendants' motion (D. 114) as to Counts I-VII and allowed it as to Count VIII; on June 23, 2026 the relator filed a notice of voluntary dismissal and the United States filed a notice of consent to dismissal of non-intervened claims, and an order entered July 2, 2026 allowed dismissal of the non-intervened claims with prejudice as to the relator and without prejudice as to the United States. The claims in the United States' complaint in partial intervention remain pending; discovery filings continued through October 13, 2026.

Elliott v. Humana, Inc. (W.D. Ky., 3:22-cv-00329, filed June 21, 2022; Telephone Consumer Protection Act; the docket's cause line reads "Restrictions of Use of Telephone Equipment"). The district court certified a class; Humana's 10-Q says the Sixth Circuit denied its petition to appeal that certification order on December 30, 2025, and that the class action will proceed. No merits ruling was seen. The docket shows a March 12, 2026 order lifting a stay after the Sixth Circuit addressed the Rule 23(f) appeal and an August 4, 2026 order denying consolidation.

Barrows v. Humana, Inc. (W.D. Ky., 3:23-cv-00654, filed December 12, 2023; diversity). On August 14, 2025 the court granted in part and denied in part Humana's motion to dismiss: counts for breach of contract, breach of the implied covenant of good faith and fair dealing, unjust enrichment and common-law fraud may proceed, and four counts under North Carolina insurance and unfair-competition law and for insurance bad faith were dismissed with prejudice. Humana answered; the docket shows continuing filings through October 14, 2026. The docket entries read do not describe the underlying coverage dispute, so it is not characterized here.

Humana Inc. and Humana Benefit Plan of Texas, Inc. v. Becerra / Humana v. Kennedy (N.D. Tex., 4:23-cv-00909; appeal 5th Cir. No. 25-11293). The two Humana companies sued HHS on September 1, 2023 seeking to set aside the final RADV (risk adjustment data validation) rule. Per Humana's filings, on September 25, 2025 the court granted its summary judgment motion and vacated the rule as procedurally invalid under the APA; the government appealed on November 21, 2025. CourtListener lists the Fifth Circuit case as argued on October 5, 2026; no decision was seen.

Star Ratings suit. Per Humana's filings, on October 18, 2024 Humana and Americans for Beneficiary Choice sued HHS and CMS in N.D. Tex. over the Star Ratings program; on October 14, 2025 the court rejected the challenge to the 2025 Star Ratings, and Humana appealed to the Fifth Circuit.

United States v. Humana Inc. (W.D. Ky., 3:18-cv-00061; the docket names a relator, Steven Scott). A settlement agreement was filed on the docket on August 20-21, 2024, and an order of August 22, 2024 states: "This case is dismissed with prejudice, including as to the United States for all claims for the Covered Conduct against Humana." A memorandum opinion of September 8, 2025 awarded the relator attorneys' fees of $27,934,664.40 plus costs and expenses of $2,736,833.21. The settlement payment amount and the claims were not read from a primary document for this page.

Securities and derivative suits. Per the 10-Q, a putative stockholder class action filed in June 2024 in D. Del. (In re Humana Inc. Securities Litigation) alleges misleading statements between July 2022 and October 2024 about financial performance, medical costs, Star Ratings and distribution relationships; related derivative actions are pending in W.D. Ky. and Kentucky state court. Humana says it will defend them.

Is Humana Legitimate?

Humana Inc. is a publicly traded company (NYSE: HUM) that files annual and quarterly reports with the SEC; its 10-K for 2025 was filed February 19, 2026 and its latest 10-Q on July 29, 2026. The filings give its principal offices as 101 East Main Street, Louisville, Kentucky, and describe Medicare Advantage, Part D, Medicaid and TRICARE contracts with federal and state agencies. BBB shows a profile rated A+ and accredited since 1998, while BBB and Trustpilot also show large numbers of customer complaints and low review averages, as set out above. Humana is a party to government and private lawsuits described above, some as defendant and some as plaintiff. Complaints about denied claims, coverage and billing are a feature of the insurance industry generally; consumer reports on any one insurer are unverified accounts.

Court & Public Records

Related Complaints

Names this company in a role other than the primary subject — not necessarily current or complete.

• Named as the creditor: Humana Dental - Green Bay Financial Inproper claim and report on credit report

Company Relationships

• Affiliated with: CenterWell Pharmacy, Inc.
• Affiliated with: Welsh, Carson, Anderson & Stowe
• Affiliated with: HPS Investment Partners (BlackRock)

Frequently Asked Questions