Humana Insurance Company is a major U.S. health insurer offering medical, dental, vision, Medicare, and supplemental insurance plans to individuals, employers, and government program participants.
Humana Insurance Company is a large health insurance provider in the United States that offers a range of products including individual and family medical coverage, employer-sponsored health plans, Medicare Advantage and Medicare Part D prescription drug plans, as well as dental, vision, and other supplemental health policies. Many members access Humana coverage through their employer, retirement benefits, or directly via Medicare enrollment and health insurance marketplaces.
A charge with a descriptor containing “HIC DES:PREMIUM” and a personal name (e.g., “INDN: DAVID B LAU”) typically represents an ACH or electronic bank draft of a recurring insurance premium paid to Humana Insurance Company. These debits are often set up when enrolling in a Humana plan and may occur monthly, quarterly, or on another regular schedule. The “PREMIUM” label and presence of an individual’s name strongly suggest a scheduled premium payment rather than a one‑time purchase.
To verify this charge, the account holder should log in to their Humana online account or check the enrollment paperwork or billing notices for the plan to confirm the drafted amount and billing date. If something looks incorrect, they can contact Humana’s customer service using the phone number on their insurance ID card or billing statement, or via the support options listed on Humana’s official website. For disputes or suspected fraud, it’s best to speak with Humana first to verify whether the policy is active and the draft was authorized, and then follow up with the bank to file an ACH dispute if necessary.
Bank Statement Variations
1 known variations
These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to Humana Insurance Company.
Why do I see an ACH charge with the description “HIC DES:PREMIUM” on my bank statement?
This descriptor commonly refers to an electronic bank draft for a Humana Insurance Company premium. It usually represents a recurring payment for a Humana medical, Medicare, dental, or other insurance policy tied to the individual whose name appears in the descriptor (e.g., “INDN: [Your Name]”).
Is the “HIC DES:PREMIUM” charge a one‑time payment or a recurring premium?
In most cases, this is a recurring premium payment scheduled monthly or at another regular interval when you enrolled in your Humana plan. You can confirm the frequency in your Humana policy documents or by logging into your Humana account and checking your billing settings or payment history.
How can I confirm which Humana policy this bank draft is paying for?
Log in to your account at humana.com or review your paper/electronic billing statements to see active policies and recent payments. Match the draft amount and date on your bank statement to the premium information shown on your Humana bill or online payment history. If you have multiple Humana policies, customer service can identify which policy is linked to the drafting bank account.
How do I stop or change automatic premium withdrawals from my bank account?
To cancel or change automatic ACH drafts, contact Humana Insurance Company using the number on your ID card or billing notice, or sign in at humana.com and look for billing or payment options. You may need to submit a written request or complete a form to switch to paper billing, change bank accounts, or terminate the auto‑draft entirely. Always allow several business days for changes to take effect.
What should I do if the Humana premium amount on my statement is higher than expected?
First, compare the charge to your most recent Humana bill to see if there was a rate change, plan change, or addition of dependents or riders. If the amount still seems incorrect, contact Humana customer service to review your plan details, recent coverage changes, and any past‑due amounts that might have been included in the draft.
Can I get a refund for a Humana premium that was drafted in error?
If you believe a premium was drafted in error—for example, after a policy was cancelled or for the wrong amount—contact Humana immediately to request a review and possible refund. If Humana confirms the draft was unauthorized or incorrect, they can typically issue a refund or adjust your account. You may also contact your bank to inquire about ACH dispute rights and time limits.
Why do I see a Humana premium charge for someone else’s name on my account?
The descriptor often includes the insured person’s name. If you share a bank account with a spouse, family member, or business, the draft may be for their Humana policy. If you do not recognize the name at all, contact Humana and your bank right away to investigate potential enrollment or payment errors or possible fraud.
How can I contact Humana about a question on my premium charge?
Use the customer service phone number printed on your Humana ID card or recent billing statement, or visit humana.com and navigate to the Contact or Help section for phone, chat, or secure message options. Having your member ID, last four digits of the drafted bank account, and the transaction date and amount handy will speed up the review of your charge.