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Blue Cross Blue Shield vs Humana (The Humana BCBS Showdown)

Should you choose Blue Cross Blue Shield or Humana as your health insurance provider? Read through our quick BCBS Humana showdown and then read our more detailed ratings and reviews of both Humana and Blue Cross Blue Shield by visiting the Humana review page and the Blue Cross Blue Shield review page.

Humana Health Plans vs Blue Cross Blue Shield Health Plans

To be entirely honest both Humana and Blue Cross Blue Shield are pretty close to dead even when it comes to their health insurance plans. If there has to be a winner then Humana edges out BCBS for one reason: in some states (most notably Florida) Blue Cross Blue Shield does not allow copays for brand name prescription drugs only generics. This fact alone allows Humana to take the top prize in the category of health plans.

BCBS Network vs. Humana Network

The one major downside to choosing Blue Cross Blue Shield as your health insurance provider is that BCBS is not technically a nationwide company because even though Blue Cross Blue Shield may have one of the most recognizable brand names in the health insurance arena BCBS is technically comprised of a consortium of many different smaller insurers who pay a fee to market plans under the Blue Cross & Blue Shield trademark. Humana is a nationwide company and while their network can be spotty in areas it is one of the best in the business. While it is true that most of the Blue Cross Blue Shield companies have reciprocal agreements in place to honor contractual agreements when traveling outside of the policyholders resident state Humana still edges out BCBS as far as network coverage goes.

Blue Cross Blue Shield and Humana: The Champion is…

Humana beats out BCBS. Yes, both companies are top notch companies but generally speaking Humana has a little more to bring to the table than BCBS. This is just a general comparison so take this for what it is: general advice. To find specific plan information and price quotes from many different insurance companies just enter your zip code on the side of this page to get started right now!

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7 reviews

  • JOE ANN JOYCE /

    A FRIEND YOU ADVISED OF MINE HAD EYE SURGERY AND IS NEED OF GLASSES. THE EYE SURGEON AT THE HOSPITAL COULD NOT REFER HER TO A VISION CENTER. HE LEFT HER ON HER OWN. SHE ALSO HAS MEDICARE AND ACCORDING TO OUR MEDICARE 2016 STATES HER GLASSES ARE COVERED UNDER THE PLAN.

    THE PROBLEM IS FINDING A VISION CENTER THAT ACCEPTS MEDICARE. CAN YOU ADVISE. INDIANAPOLIS, IND

    THE INFORMATION BELOW IS MINE. I CAN PASS ON THE ANSWER. THANK YOU SO VERY MUCH

  • JOE ANN JOYCE /

    REFER TO THE ABOVE REVIEW. EXCUSE SOME OF THE SPELLING. LOOKS LIKE LETTERS DROPPED.

  • I really can’t believe Humana beats BC/BS. I have advocated on behalf of my mother for years and was met with so many problems in dealing with Humana.

    First, Humana denies everything at the onset.
    Second, when Humana finally approves a service, I then receive follow-up letters–six months after the fact–that the service was denied because the provider “used the wrong service code.”
    Third, Humana is wasteful; the repeatedly send all sorts of glossy or duplicate and triplicate letters.
    Fourth, Humana’s customer service is awful; they do not know how to direct calls, hang up, or fabricate answers. There have been days where I spent as many as eight (8) hours on the phone with Humana only to be left with an unresolved issue.

    After my mother broke her hip last December, she spent 30 days in a Skilled Nursing Facility (SNF) where she was supposed to obtain Physical Therapy (PT). Humana repeatedly denied PT services while my mother was in the SNF. The Business Manager said she had never experienced anything like this with any insurance company. My neighbor also dropped her mother’s Humana coverage for the repeated denial of services and switched to BC/BS of FL.

    I have heard nothing but accolades about BC/BS of FL, yet everyone has emphatically stated, “Humana is awful!” I am so ready for open enrollment!

  • I’m thinking seriously about changing my Mom’s Medicare coverage to Anthem BCBS because I’m experiencing the same problems the poster Mary is talking about. Also this year Humana started sending a Humana APRN out to see my Mom every 3 weeks as a preventative to avoid the excess doctor and ER visits. So it sounds like they want to be the insurance company and the provider rolled into one. No thanks!

  • Leora Wilkes /

    I agree with the above comment. Humana’s customer service is terrible. I spent a couple hours, even after resorting to senior linkage help, being shunted back and forth from one operator to another to get a simple answer until someone was found who could answer my question. Some serious employee training is in order.

    At a recent group meeting, a Humana rep said we had only to call him, leave a message and a phone number and he would get back to me. When I tried to do that, it said his mailbox was FULL SO MUCH FOR TRYING TO LEAVE A MESSAGE.

  • I have switched from Humana to Anthem, both Medicare Advantage. Reasons against Humana include high drug costs imposed after 5 years of no-cost coverage, higher co-pay for imaging services, and very poor customer service. On one complaint, I reported I never received service from the billing provider, asked Human to investigate, and they wrote back that I did owe the provider a copay. WHAT?? DID YOU NOT UNDERSTAND THAT NO SERVICE WAS RECEIVED??

  • Still not sure my mom’s Federal BCBS Medicare suppliment is worth the extra $6,600.00 per year. She is 97 so I worry about the level of care if she should need it. I have been very happy with the free Humana Gold Plus the past 8 years, but I am only 73 and in great health. They have covered all my minor outpatient services so far, but I have never used an ambulance or been hospitalized. I wish someone would tell me the difference since I have never had problems with Humana care or customer service.

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