Humana Medicare vs Aetna Medicare
Humana Medicare vs. Aetna Medicare: A Comprehensive Comparison
Medicare beneficiaries often find themselves comparing providers to find the best balance of coverage, affordability, and access. Two of the most recognized names in the Medicare space—Humana and Aetna—offer a range of Medicare Advantage (Part C), Prescription Drug (Part D), and Medicare Supplement (Medigap) plans. Below is a breakdown to help you decide which provider might be the right fit for your healthcare needs.
Overview of Each Company
Humana:
Founded in 1961 and headquartered in Louisville, KY.
One of the largest Medicare Advantage insurers in the U.S.
Serves over 5 million Medicare Advantage members.
Strong reputation for wellness programs and veteran-friendly plans.
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Aetna:
Founded in 1853, now a subsidiary of CVS Health.
Offers a wide range of health insurance products, including Medicare Advantage and Part D plans.
Known for integration with CVS Health services, offering a more pharmacy-centric approach to care.
Growing footprint in the Medicare market with competitive plan offerings.
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Medicare Plans Offered
| Plan Type | Humana | Aetna |
|---|---|---|
| Medicare Advantage (Part C) | Yes – HMO, PPO, PFFS | Yes – HMO, PPO |
| Prescription Drug Plans (Part D) | Yes – 3 plan options in most areas | Yes – typically 3 plans |
| Medicare Supplement (Medigap) | Yes – Plans A, G, N, etc. | Yes – Plans A, B, G, N, etc. |
| Special Needs Plans (SNPs) | Yes – for dual-eligibles & chronic conditions | Yes – similar offerings |
Network & Availability
Humana:
- Available in all 50 states, though plan types may vary by ZIP code.
- Large national network of doctors and hospitals.
- Strong relationships with veterans’ healthcare systems (some plans coordinated with VA benefits).
Aetna:
- Also offers nationwide coverage with plan availability depending on location.
- Tighter integration with CVS pharmacies and MinuteClinics.
- Strong presence in urban and suburban areas.
Verdict: Both have extensive provider networks. Aetna may edge ahead for those who want closer coordination with pharmacy services, while Humana may appeal more to rural beneficiaries and veterans.
Benefits & Extras
| Extra Benefit | Humana | Aetna |
|---|---|---|
| Dental, Vision, Hearing | Included in most plans | Included in most plans |
| Fitness Programs | SilverSneakers | SilverSneakers |
| OTC Allowance | Monthly/quarterly allowance | Monthly/quarterly allowance |
| Telehealth Services | Available | Available |
| Additional Benefits | Healthy food card, caregiver support | At-home care support, CVS integration, Resources For Living support program |
Verdict: Both are competitive. Aetna’s CVS integration and Resources For Living services may be more appealing to caregivers and pharmacy users.
Premiums & Out-of-Pocket Costs
Humana:
Many $0 premium Medicare Advantage plans.
Out-of-pocket max varies by plan but often competitive.
Offers plans with Part B premium giveback in some areas.
Aetna:
Also offers $0 premium Advantage plans in many areas.
Slightly lower average out-of-pocket costs compared to national averages.
Offers Part B premium giveback plans in select ZIP codes.
Verdict: It’s a tie in many regions, but Aetna may have a slight cost advantage depending on location and plan type.
Enrollment & Ease of Use
Humana:
Offers user-friendly website and mobile app.
Good customer service ratings and easy plan comparison tools.
Strong agent network for in-person support.
Aetna:
Streamlined online enrollment tied to CVS Health services.
Well-rated mobile app and member portal.
Personalized enrollment support via CVS pharmacists and agents.
Verdict: Aetna is strong on digital ease and pharmacy enrollment integration, while Humana excels in personalized agent support.
Suitable For…
| Beneficiary Type | Best Pick |
|---|---|
| Veterans | Humana |
| Pharmacy-focused care | Aetna |
| Low-cost plans | Both |
| Caregiver support & resources | Aetna |
| Rural beneficiaries | Humana |
| Tech-savvy users | Aetna |
Pros and Cons
Humana Medicare
Pros:
- Excellent wellness programs.
- Great veteran support.
- Strong national provider network.
Cons:
- Some plans may have higher specialist copays.
- Slightly more complex plan tiers in some areas.
Aetna Medicare
Pros:
- CVS pharmacy integration.
- User-friendly digital tools.
- Generally lower cost in urban areas.
Cons:
- Fewer options in some rural counties.
- Less tailored support for veterans.
Final Verdict: Which Medicare Plan Wins?
Both Humana and Aetna are top-tier Medicare providers offering strong plans with comprehensive benefits. Your best option depends on your personal needs:
- Choose Humana if you want strong veteran support, broad provider access in rural areas, or value in-person agent guidance.
- Choose Aetna if you're tech-savvy, rely on CVS pharmacies, or want lower costs in metro areas.
Still unsure? Speaking with an independent Medicare agent can help clarify which plan works best based on your medications, doctors, and location. They can compare plans across multiple companies—not just Humana or Aetna—to ensure you get the right coverage at the right price.