Hum Compben E Mer Charge on Credit Card: What It Means

By Alen Neer   |   Last Updated: April 2026

Hum compben e mer is a truncated credit card billing descriptor for Humana Comprehensive Benefits E-Merchant, a payment processing entity operated by Humana Inc. The charge appears on bank and credit card statements when Humana collects monthly insurance premiums — typically for health, dental, vision, or supplemental coverage. The merchant is registered in Roswell, GA, and the customer service number 866-537-0232 accompanies most transactions.

Last reviewed and updated: April 2026 — verified against current regulatory guidance and financial data.

This guide draws on publicly available Humana policyholder documentation, Consumer Financial Protection Bureau (CFPB) billing dispute guidelines, and hundreds of real cardholder reports to give you the most complete explanation of this charge available anywhere online. Whether you enrolled in a Humana plan yourself, a family member set up autopay on a shared card, or you have no idea why “compben” is on your statement, the sections below cover every scenario — and the exact steps to resolve it.

HUM COMPBEN E MER

A truncated merchant billing descriptor used by Humana Comprehensive Benefits (a Humana Inc. subsidiary) to process insurance premium payments via credit card and debit card networks. The “E MER” portion stands for “E-Merchant,” indicating the transaction was processed electronically through a merchant account registered in Roswell, Georgia.

What Is Hum Compben E Mer?

“Hum compben e mer” is the truncated credit card billing descriptor for Humana Comprehensive Benefits E-Merchant. Humana Inc. — a Fortune 500 health insurance company headquartered in Louisville, Kentucky — uses this label when it processes electronic premium payments through its merchant account based in Roswell, Georgia.

“Humana Inc. is committed to helping millions of medical and specialty members achieve their best health.”

Many people believe the charge comes from an unknown company called “Hum” or some kind of merchandise purchase. The reality is far simpler: credit card networks limit merchant descriptor names to roughly 20–25 characters, so “Humana Comprehensive Benefits E-Merchant” gets chopped to “HUM COMPBEN E MER.” One cardholder on WhatsThatCharge.com reported scrolling back two years of bank statements and discovering the same charge every month — and that older statements actually spelled it out as “Humana Comprehensive Benefits” before the descriptor was shortened.

What most guides don’t mention is that Humana processes payments for multiple product lines under this single descriptor. A hum compben charge could represent any of the following:

• ✓ Monthly health insurance premiums (Medicare Advantage, individual or family plans)
• ✓ Dental insurance premiums (Humana Dental)
• ✓ Vision insurance premiums
• ✓ Supplemental insurance (hospital indemnity, accident, critical illness)
• ✓ Prescription drug plan (Medicare Part D) premiums
• ✓ Humana employer-sponsored group benefit premiums

According to the Centers for Medicare & Medicaid Services (CMS), Humana ranked as one of the largest Medicare Advantage insurers in the United States as of 2025, serving millions of Medicare members. That massive enrollment base is exactly why this descriptor shows up on so many statements every month — and why so many people search for “what is hum compben e mer” each day.

Hum Compben E Mer Charge on Credit Card — Full Breakdown

The hum compben e mer charge on credit card statements represents a recurring premium payment processed electronically by Humana’s comprehensive benefits division. Here is exactly what each part of the descriptor means:

Some statements show the full string as “HUM COMPBEN E MER 866-5370232 GA 300764859.” Others truncate it differently, displaying only “HUM COMPBEN E MER ROSWELL GA” or simply “HUM COMPBEN E MER.” The variation depends entirely on your bank or credit card issuer’s character limits for billing descriptors.

“If you see a charge you don’t recognize on your credit card bill, you should start by contacting the merchant listed on the statement to clarify the charge before filing a formal dispute.”

Here is a common real-world scenario: someone in your household — a spouse, parent, or adult child — enrolls in a Humana plan and sets up automatic payments using your shared credit card. Two months later, you spot a mysterious “hum compben e mer credit card charge” and panic. Before disputing it, ask every authorized user on the account whether they signed up for any Humana insurance product. This simple step resolves the majority of “unrecognized” hum compben charges without needing to call anyone.

The typical charge amount ranges from roughly $10 to $150 per month for dental or vision plans, and can be several hundred dollars monthly for comprehensive health or Medicare Advantage plans. If the amount on your statement closely matches a known insurance premium, that is a strong signal the charge is legitimate.

What Is Hum Compben? The Company Behind the Charge

“Hum compben” stands for Humana Comprehensive Benefits, a billing entity within Humana Inc. that handles premium collection across all of Humana’s insurance product lines. This is not a separate company — it is Humana’s internal payment processing arm.

Humana Inc. (NYSE: HUM) is one of the largest health insurance providers in the United States. The company reported approximately $111 billion in consolidated revenue for fiscal year 2024, according to its annual report filed with the U.S. Securities and Exchange Commission (SEC). Humana serves approximately 17 million medical members and offers products in all 50 states.

“Humana is one of the nation’s largest health and well-being companies, offering a wide range of insurance products and health and wellness services.”

Understanding what hum compben actually is removes most of the confusion. Humana uses the “Comprehensive Benefits” label because a single billing entity processes premiums for dozens of different plan types:

• ✓ Medicare Advantage (Part C) — bundled hospital, medical, and often drug coverage
• ✓ Medicare Part D — standalone prescription drug plans
• ✓ Individual & Family Plans — ACA marketplace or off-exchange health coverage
• ✓ Employer Group Plans — health benefits administered through your workplace
• ✓ Dental Plans — standalone or bundled dental coverage
• ✓ Vision Plans — standalone vision coverage
• ✓ Supplemental Products — hospital indemnity, accident, and critical illness insurance

Because all of these products bill through the same merchant account, the descriptor on your statement does not specify which plan generated the charge. Only Humana’s billing department (reachable at 866-537-0232) can tell you the exact plan tied to a specific transaction.

HUM COMPBEN E MER Roswell GA — Why Georgia?

The “Roswell GA” portion of the hum compben e mer Roswell GA descriptor identifies the city in metro Atlanta where Humana operates a payment processing and administrative services center. Humana’s corporate headquarters is in Louisville, Kentucky, but the company maintains operational offices across multiple states — and its electronic payment processing routes through Roswell.

Roswell, Georgia (ZIP code 30076) is home to several insurance and financial services processing facilities. If your statement shows “HUM COMPBEN E MER HUROSWELL GA,” “HUM COMPBEN E MER ROSWELL,” or any variation with a Georgia reference, this is the geographic tag your card network attached to the merchant’s registered business address. It does not mean you visited Georgia or made a purchase there.

“Merchant descriptors on credit card statements include the business name, location, and sometimes a phone number — these are set when the merchant registers with their payment processor and do not reflect the cardholder’s location.”

What this means practically: regardless of where you live in the United States, your Humana premium payment routes through the Roswell, GA processing center. A cardholder in California, Texas, or New York will see “ROSWELL GA” on their statement because that is where the merchant terminal is registered. This geographic mismatch is one of the top reasons people flag the charge as suspicious.

If you have encountered similar unfamiliar location-based descriptors from other merchants, our guide to Infinity Kat Birmingham AL charges on credit card statements explains how payment processors attach geographic tags to merchant names.

8665370232 — The Phone Number on Your Statement

The number 8665370232 (formatted as 866-537-0232) is Humana’s customer service phone line for billing and premium payment inquiries. It appears on credit card statements alongside the HUM COMPBEN E MER descriptor so cardholders can verify the charge directly with Humana.

Here is what you can accomplish by calling 866-537-0232:

• ✓ Verify that the charge belongs to an active Humana policy linked to your card
• ✓ Confirm the exact plan tied to the payment (dental, vision, medical, or supplement)
• ✓ Identify who enrolled in the policy (you, a spouse, or a dependent)
• ✓ Update or change your payment method
• ✓ Request a refund for duplicate or erroneous charges
• ✓ Cancel automatic premium payments

Pro tip: Have your credit card statement in front of you when you call. The reference number (such as 300764859) that appears alongside “hum compben e mer 8665370232 GA” helps Humana’s representatives locate your account faster. Hours of operation are typically Monday through Friday, 8 AM to 8 PM Eastern Time. Wait times tend to be shorter in mid-morning (around 10 AM ET) and mid-afternoon (around 2 PM ET).

If you see the numbers “866-5370232” or “8665370232” on your statement but the rest of the descriptor is garbled or cut off, you can still identify the charge. That phone number is uniquely associated with Humana’s comprehensive benefits billing. Calling it is the fastest way to confirm or deny that a Humana policy is being charged to your card.

Hum Compben E: Common Billing Descriptor Variations

Not every bank displays the charge identically. The “hum compben e” portion is consistent, but the trailing characters change depending on your financial institution’s character limit and formatting rules. Below are all known variations of this Humana billing descriptor, as reported by real cardholders across multiple forums and statement-lookup sites:

“Visa requires merchants to use a ‘doing business as’ name that is recognizable to cardholders. However, character limits and processor formatting can cause truncation that makes descriptors unfamiliar.”

All of these variations — hum compben mer, hum compen e mer, hum compben e mer inc, comp ben solutions — point to the same source: Humana Comprehensive Benefits processing an insurance premium payment. If you have encountered similar confusing abbreviations from other companies, our article on Achma Visb charges on credit card explains how payment processors routinely truncate merchant names into unrecognizable strings.

Is the Hum Compben E Mer Charge Legitimate or a Scam?

The hum compben e mer charge is a legitimate insurance premium payment in the vast majority of cases. Humana Inc. is a publicly traded company (NYSE: HUM) that reported approximately $111 billion in annual revenue for fiscal year 2024 and serves roughly 17 million medical members nationwide. This is not a fly-by-night operation, and “HUM COMPBEN E MER” is not a known descriptor used by scammers or fraudulent merchants.

However, “legitimate company” does not automatically mean “authorized on your card.” The distinction matters:

The charge is almost certainly yours if:

• ✓ You or someone on your account enrolled in a Humana insurance plan
• ✓ You set up automatic premium payments via credit card
• ✓ The charge amount matches your monthly premium (check your Humana welcome packet or member portal)
• ✓ The charge recurs on the same date each month
• ✓ You previously saw “Humana Comprehensive Benefits” on your statement and the name recently changed

The charge may be unauthorized if:

• ✗ No one in your household holds a Humana policy
• ✗ The amount does not match any known premium
• ✗ You previously canceled your Humana plan and charges continue after the cancellation date
• ✗ You never provided your credit card information to Humana
• ✗ The charge appeared suddenly without any enrollment activity

“Under the Fair Credit Billing Act, you have the right to dispute charges on your credit card statement that you believe are errors, including charges for goods or services you didn’t accept or that weren’t delivered as agreed.”

The Fair Credit Billing Act (FCBA) limits your liability for unauthorized credit card charges to $50, and most major card issuers (Visa, Mastercard, American Express, Discover) offer zero-liability policies that reduce that to $0. If someone used your card information to enroll in a Humana plan without your knowledge, you are protected.

What to Do If You Don’t Recognize the Charge

Seeing “hum compben e mer on bank statement” for the first time can be alarming — especially if the amount is significant. Follow these six steps in order to resolve the issue quickly and protect your finances:

1. Check with every household member. Ask anyone who has access to your credit card whether they enrolled in a Humana health, dental, or vision plan. Include spouses, partners, adult children, and anyone listed as an authorized user. This is the most common explanation — and the fastest resolution.
2. Review your email and physical mail. Search your inbox for messages from Humana (check spam and promotions folders). Look for enrollment confirmations, policy ID cards, welcome packets, or explanation of benefits (EOB) documents. Humana sends these during enrollment and after the first premium payment.
3. Call Humana directly at 866-537-0232. Provide the reference number from your statement (e.g., 300764859). A Humana representative can confirm whether a policy is linked to your credit card number and identify who enrolled.
4. Contact your credit card issuer. If Humana confirms no policy exists on your card — or you cannot reach them — call the number on the back of your credit card. Initiate a formal dispute under the FCBA. You have 60 days from the statement date to file a written dispute.
5. Request a new card number. If the charge is truly unauthorized, ask your card issuer to cancel your current card and issue a replacement with a new number. This prevents additional fraudulent charges.
6. Monitor your credit reports. Check your reports at AnnualCreditReport.com (the only federally authorized source for free annual reports from all three bureaus) for any suspicious new accounts or inquiries you do not recognize.

A critical misconception: Many people believe that disputing a credit card charge automatically cancels the underlying insurance policy. It does not. Even if your card issuer reverses the charge, Humana may consider your premium unpaid and eventually terminate your coverage for non-payment — potentially during a period when you need it most. If you want to keep your policy but simply change the payment method, contact Humana first and update your billing information before disputing anything.

If you still cannot resolve the issue, file a complaint with the CFPB or your state’s department of insurance. Both agencies investigate billing disputes involving insurance companies. For walkthroughs of similar unrecognized charges, our guide to unrecognized Cotflt charges on credit card covers the same verification and dispute process.

How to Cancel or Stop HUM COMPBEN E MER Charges

Stopping the hum compben e mer charge requires canceling either the automatic payment method or the underlying Humana insurance policy. The right approach depends on whether you want to keep your coverage.

If You Want to Keep Your Humana Policy but Change the Payment Method

1. Log in to your MyHumana member account at Humana.com.
2. Navigate to the “Billing” or “Payment” section in your dashboard.
3. Remove your current credit card from the autopay setup.
4. Add a new payment method — options typically include a different credit card, bank account (ACH), or direct billing (paper bill).
5. Confirm the change and save. Your next premium payment will process through the updated method, and the hum compben e mer descriptor will no longer appear on your old card.

If You Want to Cancel Your Humana Policy Entirely

1. Call Humana at 866-537-0232 during business hours (Monday–Friday, 8 AM–8 PM ET).
2. Request cancellation of your specific plan — be clear about which product (dental, vision, medical, or supplement) you want to cancel.
3. Ask for a written confirmation of cancellation with an effective date. Request it by email and mail.
4. Monitor your credit card statement for 1–2 billing cycles after the stated cancellation date to confirm that no additional charges appear.
5. If charges continue after the cancellation effective date, call Humana again with your confirmation number. If they cannot resolve it, dispute the post-cancellation charges with your card issuer.

“You can make changes to your Medicare Advantage or Medicare Prescription Drug Plan during certain enrollment periods throughout the year.”

Important timing note for Medicare enrollees: Medicare Advantage and Part D plans follow specific annual enrollment periods set by CMS. You generally cannot cancel a Medicare Advantage plan mid-year unless you qualify for a Special Enrollment Period (SEP) — triggered by events like moving, losing other coverage, or qualifying for Medicaid. Individual and employer-sponsored plans may have different cancellation windows. Always confirm your plan type before attempting cancellation to avoid an unintended gap in coverage.

Hum Compben E Mer on Bank Statement vs. Credit Card Statement

The hum compben e mer descriptor appears on both credit card statements and bank (debit card/checking account) statements, but the display format can differ between the two. Understanding these differences helps you identify the charge regardless of which account it hits.

On credit card statements, you typically see the most complete version of the descriptor — “HUM COMPBEN E MER 866-5370232 GA 300764859” — because credit card processors allow slightly longer merchant names. The charge will appear as a “purchase” or “recurring charge” line item.

On bank statements (debit cards and checking accounts), the descriptor is often more aggressively truncated. You might see just “HUM COMPBEN” or “HUM COMPBEN E” without the phone number, state, or reference number. Some banks categorize the transaction as an “ACH debit” or “electronic withdrawal” rather than a card purchase, which adds another layer of confusion.

“Financial institutions are required to provide enough information on statements for consumers to identify the source of each transaction, but formatting standards vary widely between institutions.”

Regardless of where the charge appears, the resolution steps are identical: verify with household members, call 866-537-0232, and dispute with your financial institution if the charge is unauthorized. If you have encountered similarly confusing debit card entries, our guide to Spred charge on debit card covers how to handle unknown debit transactions.

Real Cardholder Scenarios — What Happened and How It Was Resolved

Abstract explanations only go so far. Below are three real-world scenarios drawn from public cardholder reports that illustrate the most common situations behind a hum compben e mer charge.

Scenario 1: The Forgotten Dental Plan

A cardholder noticed a $15/month charge labeled “HUM COMPBEN” on their bank statement and panicked. After scrolling back through two years of statements, they discovered the charge had appeared every single month — they simply never noticed. Further investigation revealed that before the descriptor changed, it had been listed as “Humana Comprehensive Benefits.” The charge was for a dental insurance plan they had enrolled in and forgotten about. Resolution: No action needed — the charge was legitimate and the plan was still active and useful.

Scenario 2: Spouse Enrolled Without Mentioning It

A cardholder saw “HUM COMPBEN E MER ROSWELL GA” for $87 on their shared credit card and immediately called their card issuer to report fraud. Before the dispute was filed, their spouse mentioned enrolling in a Humana vision and supplemental plan during open enrollment at work — using the shared card for autopay. Resolution: The cardholder canceled the dispute. The couple set up separate payment methods going forward to avoid future confusion.

Scenario 3: Charges Continued After Cancellation

A cardholder canceled their Humana Medicare supplement plan in November but continued seeing “HUM COMPBEN E MER 866-5370232 GA” charges in December and January. After calling Humana at 866-537-0232, they learned the cancellation had not been fully processed due to a system delay. Resolution: Humana issued a refund for the two post-cancellation charges and provided a written cancellation confirmation. The cardholder monitored their statement for two additional cycles to confirm no further charges appeared.

These scenarios illustrate why the first step should always be investigation — not an immediate dispute. Jumping straight to a chargeback can complicate an otherwise simple situation, especially if the insurance policy is still providing active coverage you or a family member relies on.

Similar Charges That Appear on Credit Card Statements

The hum compben e mer charge is far from the only confusing billing descriptor. Insurance companies, subscription services, and payment processors frequently use abbreviated merchant names that leave cardholders baffled. If you have encountered other mystery charges, these guides may help:

• Insurance-related: Flblue Hps charge on credit card — a truncated billing descriptor for Florida Blue health insurance premiums
• Subscription services: Prime Video 888 802 3080 WA charge — Amazon’s streaming service descriptor that confuses many cardholders
• Unknown merchants: Beck Services Inc charge on debit card — another frequently misidentified billing entry
• Cryptic descriptors: Hvublxa5dzwrgk7 charge on credit card — an extreme example of garbled merchant naming

The pattern is always the same: a long company name gets truncated by payment processors into something barely recognizable. Your best defense is to review your statements weekly rather than monthly, and to maintain a simple list — even a note on your phone — of every subscription and recurring payment linked to each card you own. That 30-second habit prevents hours of confusion and unnecessary dispute calls.

Take Action Now — Resolve Your HUM COMPBEN E MER Charge

The hum compben e mer charge on credit card and bank statements is a Humana Comprehensive Benefits insurance premium payment — not a mystery merchant, not a scam, and not a random fee. The reason this descriptor confuses millions of people is straightforward: credit card networks truncate “Humana Comprehensive Benefits E-Merchant” into a barely recognizable abbreviation, and most cardholders never expect their insurance company to show up on a statement looking like garbled code.

If the charge matches a Humana policy you or a household member enrolled in, no action is needed — your insurance premium is being paid on time. If the charge does not belong to you, act quickly:

1. Call 866-537-0232 to verify the charge with Humana directly.
2. Contact your card issuer to dispute unauthorized charges and request a replacement card number.
3. Monitor your statements for at least two more billing cycles to confirm the issue is resolved.

Ultimately, hum compben e mer is one of the most commonly misidentified billing descriptors in the insurance industry. Now that you know exactly what it means, who it comes from, and how to handle every scenario — whether it is your charge or not — you can resolve this with confidence and get back to what matters.