I’m not retired, but I have Humana and they STINK!
Know some folks who have their commercial insurance through Humana and they seem to share your opinion. Several others who have the Medicare replacement policy think it’s the greatest thing since sliced bread. Of course, part of the military is covered by Humana so it appears to be a real mixture of options and opinions.
Humana Military mental health benefits are carved out to Value Options which in the past was a pretty good managed care group to work with but has become very ticky tacky as of late. Particularly difficult to navigate through the Humana Military/Value Options system.