Humana vs. Cigna Healthcare
- Humana and Cigna Healthcare are both popular health insurance companies, especially among Medicare beneficiaries. In this review, we compare Humana vs. Cigna Healthcare Medicare Advantage plans, including pros and cons of each company, their Medicare quality ratings and more.
Humana is one of the most popular insurance companies in the country. Nearly 1 out of every 5 Medicare Advantage (Medicare Part C) plan beneficiaries is enrolled in a Humana Medicare Advantage plan.
Cigna Healthcare is among the global leaders in health insurance. Cigna Healthcare accounted for 2% of all Medicare Advantage enrollment in America in 2024.
Humana vs. Cigna Healthcare: Types of Insurance Plans Offered
Cigna Healthcare offers several types of Medicare insurance plans, including Medicare Part D prescription drug plans, Medicare Advantage plans and Medicare Supplement Insurance (Medigap) plans in certain parts of the country. Cigna Healthcare also sells individual and group health insurance plans, standalone dental and vision plans and more.
Humana also offers each type of Medicare plan listed above in many parts of the country. The company doesn't, however, offer quite as many group or individual non-Medicare health insurance plans as Cigna Healthcare.
Cigna Healthcare vs. Humana: Areas Served
Both companies have near-nationwide service areas.
Humana Medicare Advantage plans are sold in 90% of U.S. counties, while Cigna Healthcare Medicare Advantage plans are offered in roughly 18% of U.S. counties.
Cigna Healthcare vs. Humana: Provider Access
Cigna Healthcare has a national network of participating providers.
Humana also has large provider networks. Humana has one of the largest pharmacy networks in the U.S. thanks to several partnerships with major chain retailers.
Individual plan networks, availability and coverage can vary from one plan and one area to another. Be sure to check with your doctor or health care provider to find out what insurance plans they accept. You can also work with a licensed insurance agent to find out if your doctor is in a plan network before enrolling in the plan.
Medicare Star Ratings
Every year, Medicare evaluates plans based on a 5-star rating system. Stars are used by the Centers for Medicare & Medicaid Services (CMS) to indicate various measures of plan quality, with five stars being the highest score.
In 2024, roughly 67% of Cigna Healthcare Medicare Advantage plan members were enrolled in a plan rated 4 stars or higher by CMS.
94% of Humana Medicare Advantage members were enrolled in a plan rated four stars or higher in 2024.
Customer Experience
Both Cigna Healthcare and Humana offer a strong customer experience by making it easy to look up providers online and further manage benefits through a members-only portal and mobile apps.
The Cigna Healthcare help center features a 24-hour assistance line. Humana also offers extensive customer support, including live support on Twitter.
Cigna Healthcare vs. Humana: The Verdict
Cigna Healthcare has earned stronger financial ratings and Medicare Star Ratings than Humana. Humana, however, offers Medicare Advantage plans in more parts of the country than Cigna Healthcare.
The most important difference between these carriers will be the benefits and prices offered in your specific area.
Helpadvisor.com is owned and operated by Tranzact, the parent company of TZ Insurance Solutions LLC, which is the owner/operator of Medicareadvantage.com and other websites mentioned on HelpAdvisor and which has a financial relationship with some of the carriers listed on HelpAdvisor. This may influence which products we write about, but HelpAdvisor maintains editorial independence, and our opinions and evaluations are our own.
