Humana’s Member Communications Score “Excellent” for Clarity, Content and Design

LOUISVILLE, Ky.--(BUSINESS WIRE)-- Humana Inc. (NYSE: HUM) recently received accolades from DALBAR, a third-party evaluator in the financial-services industry, for being one of few innovative health insurers to “buck the tradition of incomprehensible customer communications.”

DALBAR analyzed the usefulness of insurers’ Explanation of Benefits (EOBs) statements, which insurers send to customers explaining how their medical claims are processed. Out of 34 leading insurers, including the federal government’s Medicare program, 68 percent of the documents received a failing score.

Humana was one of only three insurers to receive the designation of “excellent” for the clarity, content and design of its “Smart EOB.” Humana also received special “best-in-class” recognition for its personalized member messaging, and high marks for including charts and graphics to help people understand how their benefits work, draw conclusions, and take appropriate action.

“Humana’s EOB is a leader in personalized messaging and visual creativity,” said Kathleen Whalen, managing director at DALBAR. “The company has gone above and beyond the required content to offer health tips, coupons and other imaginatively designed educational tools based on patient diagnosis, gender and age. The features are clearly designed to positively influence their members’ lives and help them manage their health.”

“We value each interaction with our members and take pride in ongoing efforts to improve each touchpoint – working to improve health literacy and member understanding,” said Bruce J. Goodman, Humana’s chief service and information officer. “Our EOBs and statements are an important part of transparency to customers, so they can understand the total cost of health care. Humana’s traditional EOB has evolved, based on the needs of our members, into a health-management tool, the Smart EOB. These are also offered electronically to our members at,” Goodman said.

About DALBAR, Inc.

DALBAR, Inc. has been a leading third-party evaluator in the financial-services industry since 1976. With offices in the U.S., Canada and London, DALBAR develops standards for – and provides research, ratings and rankings of – the many factors that influence a company’s overall customer-service experience. Such factors include print communications, public Web sites and proprietary portals, interactive voice response units, call centers, and financial-adviser services.

In 2009, DALBAR launched its Healthcare Practices Division that has focused on establishing Standards of Excellence for the Explanation of Benefits document. This unit’s future endeavors will also target industry Web sites and other customer touch points.

About Humana

Humana Inc., headquartered in Louisville, Ky., is one of the nation’s largest publicly traded health and supplemental benefits companies, with approximately 10.3 million medical members and approximately 7.2 million specialty-benefit members.

Humana is a full-service benefits solutions company, offering a wide array of health and supplementary benefit plans for employer groups, government programs and individuals.

Over its 49-year history, Humana has consistently seized opportunities to meet changing customer needs. Today, the company is a leader in consumer engagement, providing guidance that leads to lower costs and a better health plan experience throughout its diversified customer portfolio.

More information regarding Humana is available to investors via the Investor Relations page of the company’s web site at, including copies of:

  • Annual reports to stockholders
  • Securities and Exchange Commission filings
  • Most recent investor conference presentations
  • Quarterly earnings news releases
  • Replays of most recent earnings release conference calls
  • Calendar of events (includes upcoming earnings conference call dates and times, as well as planned interaction with research analysts and institutional investors)
  • Corporate Governance Information

An example of Humana’s Smart EOB is attached.

Photos/Multimedia Gallery Available:


Humana Inc.
Corporate Communications:
Jeff Blunt, 513-417-9134
[email protected]

KEYWORDS:   United States  North America  Kentucky

INDUSTRY KEYWORDS:   Health  Other Health  Professional Services  Insurance  General Health