Is Humana good at handling complaints?

Across the states we hold records for, Humana recorded 81 confirmed complaints against 1,641,158 policies in force. That is a complaint index of 3.04, where 1.00 is the market average, so it earns a PolicyGrades grade of F.

What do people complain about Humana for?

The most common confirmed complaint reason recorded against Humana is “Unsatisfactory Settle/Offer”, with 256 complaints.

How do I file a complaint against Humana?

Complaints go to your state department of insurance, not to us. They are free to file, and a complaint the department confirms is what appears in these figures the following year.

Humana complaints

Across the state records we hold, Humana recorded 81 confirmed complaints against 1,641,158 policies in force — a complaint index of 3.04, or 3.0 times what its share of the market predicts.

Better than 9% of the 94 companies large enough to grade this period.

Humana writes through 13 separate licensed companies. Regulators file complaints against each one individually; the figures here combine them, because that is what a customer of Humana actually experiences. Every entity is listed at the bottom of this page.

By type of insurance

Coverage	Grade	Complaint index	Complaints	Business written
Health insurance	F	3.05 3.0× the market rate raw 4.08	81	1,554,923
Life & annuity	—	0.99 about market average raw 0.00	0	86,235
All lines	F	3.04 3.0× the market rate raw 4.06	81	1,641,158

What people complain about Humana for

Reasons as recorded by the regulator on complaints it confirmed. A complaint is "confirmed" when the department found the company was at fault — not merely that someone was unhappy.

Unsatisfactory Settle/Offer 256

Prompt Pay 168

Denial Of Claim 162

Delays (Claims Handling) 137

Unsatisfactory Settle/Offer; Usual And Customary 115

Denial Of Claim; Unsatisfactory Settle/Offer 96

Delays (Claims Handling); Unsatisfactory Settle/Offer 40

Prompt Pay; SB418 Rule Violation 35

Humana state by state

Insurance is regulated state by state, and a company's record can differ sharply between them. Each grade below is relative to that state's own market.

State	Grade	Complaint index	Complaints	Most common reason
Texas	F	3.04 3.0× the market rate raw 4.06	81	Unsatisfactory Settle/Offer

How to file a complaint against Humana

Complaints are filed with your state department of insurance, not with us and not with the company. It is free, it is handled by a regulator with authority over the insurer's licence, and a complaint the department confirms is exactly what produces the numbers on this page next year.

Find your state's complaint form →

Licensed companies included in these figures

Published so the grouping can be checked. NAIC codes are the identifiers regulators use, and are the basis on which these entities were matched.

Compbenefits Insurance Company NAIC 60984 Emphesys Insurance Company NAIC 88595 Humana Humana Benefit Plan Of Illinois, Inc. NAIC 60052 Humana Benefit Plan Of Texas, Inc. NAIC 15886 Humana Health Benefit Plan Of Louisiana Humana Health Plan Of Texas, Inc. NAIC 95024 Humana Health Plan, Inc. Humana Insurance Company NAIC 73288 Humana Insurance Company Of Kentucky NAIC 60219 Humana Medical Plan, Inc. Humana Military Health Humanadental Insurance Company NAIC 70580

Where these figures come from

State insurance department filings. See data sources.

Figures cover 2023–2025. Grades are rebuilt when regulators publish new files.