Contacted Humana after researching their plans for my healthcare needs (I did see a lot of negative reviews but contacted them anyway). I am below 65 but am on Medicare which their website says they cover and shows plans available for my state. The "licensed sales agent" said that they did not offer any plans for anyone below 65. I think that either their website is wrong which is a scam or their agent is not very good at his job. Will never contact them again.