Humana vs. Cigna

In this article...
  • Humana and Cigna are both popular health insurance companies, especially among Medicare beneficiaries. In this review, we compare Humana vs. Cigna Medicare Advantage plans, including pros and cons of each company, their Medicare quality ratings and more.

Sometimes the best coverage at the best price doesn’t tell the whole story about an insurance company. If you’re trying to decide between Humana and Cigna for your health care needs – and if you’re considering enrolling in a Medicare Advantage (Medicare Part C) plans – check out our comparison below that highlights some of the other key differences between each insurance carrier.

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 logo

Cigna is among the global leaders in health insurance, and the company has a growing footprint in the private Medicare insurance industry. 

Cigna accounted for 2% of all Medicare Advantage enrollment in America in 2020

Humana vs. Cigna
  Pros Cons
Humana

Medicare plans are offered in many parts of the country

Plans include large networks of providers, doctors and pharmacies

Some competitors in your area may offer more $0 premium Medicare Advantage plans than Humana offers

Cigna

Wide variety of types of plans, including Medicare Advantage plans, Part D plans and Medicare Supplement plans

Strong Medicare plan quality ratings 

Medicare Advantage plans aren't available in as many parts of the country as plans from some other insurance companies

Humana vs. Cigna: Types of Insurance Plans Offered

Cigna 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 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.

Areas Served

Both companies have near-nationwide service areas. Humana has a presence in all 50 states and the District of Columbia, and Humana Medicare Advantage plans are sold in 90% of U.S. counties.

Cigna sells Medicare Part D and Medicare Supplement Insurance in parts of nearly every state, while Cigna Medicare Advantage plans can be found in 23 states.

Provider Access

Cigna reports a network of more than 1.5 million participating providers.

Humana also has large provider networks, with more than 638,000 network providers according to Doctor.com. 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.

Financial Ratings

Cigna financial ratings are hard to beat, with “A” ratings from A.M. Best, Fitch Ratings and Standard & Poor’s to go along with an “A2” from Moody’s and an “A-” from the Better Business Bureau.

Humana also earns impressive financial ratings, with a “BBB-” from A.M. Best, “BBB” from Fitch Ratings, “BBB+” from Standard & Poor’s and “Baa3” from Moody’s.

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 2021, Cigna scored a perfect 5-star rating for both Medicare Advantage plans and Medicare Part D prescription drug plans.

Humana offers high-quality plans as well, with more than 9 out of 10 Medicare Advantage members being enrolled in a plan rated 4 stars or more.1

Customer Experience

Both Cigna 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 help center features a 24-hour assistance line. Humana also offers extensive customer support, including live support on Twitter.  

Cigna vs. Humana: The Verdict

Cigna 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.

The most important difference between these carriers will be the benefits and prices offered in your specific area. Working with a licensed insurance agent is a great way to review your different plan options and arrive at a decision that’s best for your needs. 

  1. https://press.humana.com/news/news-details/2020/Humanas-Medicare-Advantage-Members-are-in-4-Star-and-Above-Contracts-for-2021-Reflecting-Ongoing-Commitment-to-Quality-Care-and-Improved-Health-Outcomes/default.aspx#gsc.tab=0.

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