Humana
Health Care
48
out of 100. Number 234 of 512, counting from the worst.
Where Humana does well
- Protected health information is carved out of the website Privacy Policy and governed instead by Humana's HIPAA Notice of Privacy Practices, which is materially more protective (uses/disclosures limited to payment, treatment, operations unless you authorize in writing; opt-out for disclosures to outside vendors is honored).
- On the Humana careers/applicant portal, Humana states 'We do not and have not in the preceding 12 months, sold or shared' applicant personal information.
- Sensitive personal information is used only to provide requested services and not for purposes disclosable under California law.
- The Medicare Prescription Payment Plan is voluntary, opt-in/opt-out any time, and auto-renewal can be declined via a secure portal or a phone call.
If you join Humana's member research panel, any dispute with Humana — even ones that arose before the terms — goes to binding arbitration, not court, and you can't even challenge whether the arbitration clause itself is valid; that question goes to the arbitrator too.
The fine print
6 clauses and findings from the draft archive, dated 1 October 2026. The plain English comes first; the small print is the company's own words. None of these has been checked yet.
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If you join Humana's member research panel, any dispute with Humana — even ones that arose before the terms — goes to binding arbitration, not court, and you can't even challenge whether the arbitration clause itself is valid; that question goes to the arbitrator too.
'PLEASE READ THIS ARBITRATION PROVISION CAREFULLY. IT AFFECTS YOUR RIGHTS AND THE RIGHTS OF THOSE TO WHOM YOU PROVIDE ACCESS TO YOUR ACCOUNT. ... you and Andrew Reise/Alida and/or Humana, Inc. agree that to the fullest extent permitted by applicable law, any dispute arising out of or relating in any way to the relationship between you and Andrew Reise/Alida and/or Humana, Inc. and its affiliates ... will be resolved by binding arbitration. Further, all disputes or questions relating to arbitrability, such as questions as to the validity, formation, scope, and enforceability of this arbitration agreement are expressly and conclusively delegated to the arbitrator for resolution.'
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Your info can be handed to outside companies — including banks/financial firms Humana has 'joint marketing agreements' with — so they can pitch you offers, and you only avoid it by actively opting out.
'We may share your information with affiliated companies and nonaffiliated third parties, as permitted by law. We may also provide your information to other financial institutions with which we have joint marketing agreements in order to provide you with offers for products and services you may find of value or which are health-related.'
Humana Notice of Privacy Practices (Humana Dental & Vision mirror, via compbenefits.com)
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Humana can rewrite its privacy terms unilaterally, and changes to its privacy notice apply retroactively to all personal and health information it already holds on you.
'We reserve the right to change the Privacy Policy at any time. Please review the Privacy Policy periodically to be aware of any modifications.' And separately, in the Notice of Privacy Practices: 'We can change the terms of this notice, and the changes will apply to all information we have about you.'
Humana Privacy Policy (mirror) — https://www.mycompbenefits.com/Privacy_Practices.pdf ; Humana Group Medicare Advantage PPO 2026 Annual Notice of Change, Notice of Privacy Practices (assets.humana.com)
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Even if you exercise your right to be deleted, Humana says records tied to any past transaction stay, and it may flat-out refuse full deletion as too burdensome.
'The right to deletion: You may have the right to request that we erase your Personal Information, under certain conditions. However, because we keep track of past transactions, you cannot delete information associated with past transactions on the website. In addition, it may be impossible or disproportionately burdensome to completely delete your information.'
Humana Privacy Policy, 'Your Rights and Choices' section (mirror)
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The Medicare drug-cost payment plan auto-renews participants into 2026 — you have to actively decline via portal or phone to get out.
'Starting 1/1/26, if you are an active member in the Program and have decided to keep the same Part D Prescription drug plan for the 2026 plan year, you will be auto renewed into the Program for the 2026 plan year. If you do not wish to be autorenewed into the Program for 2026, you may decline autorenewal by using the secure web portal at Humana.com/MPPP or by calling Humana.'
Humana Medicare Prescription Payment Plan Terms and Conditions (assets.humana.com)
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On Humana's branded LASIK site, if anything goes wrong — even lost data or injury — Humana's total liability is capped at $100.
'YOU AGREE THAT NONE OF THE WEBSITE-RELATED-PARTIES SHALL BE LIABLE FOR ANY DAMAGE RESULTING FROM YOUR USE OR INABILITY TO USE THIS WEBSITE OR THE CONTENT... THE TOTAL, CUMULATIVE, LIABILITY ... SHALL BE LIMITED TO THE AMOUNT OF YOUR ACTUAL DAMAGES, NOT TO EXCEED U.S. $100.00.'
Terms of Use — Humana LASIK (humana.qualsight.com, Humana-branded vision partner site)
How these were found
Document versions: (1) Humana Privacy Policy read via verbatim mirror at mycompbenefits.com/Privacy_Practices.pdf (Humana's own policy text, mirrored on a Humana employer-group microsite domain; search crawler last updated ~1005 days ago, fetched Oct 1, 2026). (2) Humana Healthcare Consumer Council Terms and Conditions of Membership (Humana-branded) read via assets.visioncritical.net PDF mirror (crawled ~1005 days ago). (3) Humana Notice of Privacy Practices / Dental & Vision HIPAA notice snippets from Humana-affiliated compbenefits.com (via search-result text, not full open). (4) Humana Group Medicare Advantage PPO 2026 Annual Notice of Change Notice of Privacy Practices (assets.humana.com, crawled ~57 days ago). (5) Medicare Prescription Payment Plan Terms and Conditions (assets.humana.com, crawled ~243 days ago). Direct fetches of humana.com pages mostly failed (server returned HTTP 500 for humana.com/privacy-practices), so mirrors were used where noted. Humana's core member Evidence of Coverage / enrollment agreements (where CMS-regulated grievance/appeal rights live) were not reviewed; the arbitration finding is from the Consumer Council program terms, not the main health-plan agreement. Quotes marked 'close paraphrase' are faithful renderings from heavily PDF-formatted text.
These notes come from the original draft and are not independent verification.