Humana Health Insurance

Important Information About Humana Health Insurance

Headquartered in Louisville, Kentucky, Humana Health Insurance is one of the largest publicly-traded companies in the health benefits industry. Currently, it has nearly 9 million members.
For almost 50 years, Humana Health Insurance has been recognized as one of the leaders in the health insurance sector. It is well-known and respected as a company that sees change as a positive factor and uses it as an opportunity for innovative and thoughtful solutions to many of the complex issues facing the health insurance industry today.

Humana Health Insurance offers a wide range of health insurance plans and other related services to employer groups, government-sponsored plans, and individuals. Customers can put together an entire benefits package that is specifically tailored to their needs. By providing “one-stop shopping”, Humana Health Insurance allows individuals and groups to choose not only core health benefits, but also dental, disability, and life insurance packages. These related services can all be added to the basic health benefits plan.

Humana Health Insurance provides health insurance packages and other services to individuals and companies of all sizes. Whether a business has two employees or tens of thousands, Humana Health offers customized plans and superior service to all of its policyholders.

It is a well-known fact that health insurance costs continue to rise at an alarming rate. Humana Health Insurance is an industry giant whose goal is to better control costs while, at the same time, continuing to educate consumers on ways to moderate their health care expenditures by adopting a more healthy lifestyle.


An Overview of Humana Health Insurance Health Plans

Humana Health Insurance offers choice and flexibility with all of its health insurance plans. Policyholders have access to a nationwide network of over 350,000 healthcare professionals, as well as nearly 3,000 medical treatment facilities and hospitals.

Humana Health Insurance has three main health benefits packages: the Portrait Plan, The Autograph Plan, and the Monogram Plan. The specifics of these plans can vary from state to state, so it is important to fully discuss your needs and options with an insurance broker before making a final decision regarding coverage.

For customers who want a health benefits package similar to those offered to large groups, Humana Health Insurance offers the Portrait Plan. This plan is suitable for people who want to lessen the risk factor with their coverage and also may want to use medical services in the future. The Portrait Plan also works well for early retirees, individuals whose companies do not offer group health insurance, and self-employed workers.

The Portrait Plan consists of 80 Plus Rx and Unlimited Office Co-pay. This means that the in-network coinsurance is split 80%/20%, whereby the insurance company pays 80% and the policyholder is responsible for the remaining 20%. There is an unlimited amount of office visit copayments, provided that a network physician or specialist is used. Annual deductibles with this plan range from $1,000- $2,500 for individuals and $2,000- $5,000 for families.

Humana Portrait policyholders can enjoy significant savings each year by taking advantage of discount programs offered at participating providers and retailers. With the Eye Care and Vision Services program, customers can save up to 45% on examinations, eye wear, and laser procedures.

Humana’s Autograph Plan with Share 80 Plus Rx and Co-pay is the perfect combination of benefits and services for those individuals who want to take an active role in their health care management and who may incur multiple visits to physicians and specialists throughout the year. This plan is one part of the Autograph Series of health benefits packages. Each plan is specifically tailored to meet the needs and circumstances of the policyholder.

Members with this Autograph Plan also enjoy savings through the discount programs. Eye Care and Vision Services, Prescription Drug purchases, and Health and Wellness Services are all available at discounted rates. There are certain limitations which are stipulated in the Autograph Plan and vary from state to state. It is important to thoroughly research and understand the specific package before committing to it.

Humana Health Insurance gives consumers another choice with its Autograph Plan with HSA. This plan has many of the same features of the Autograph Plan with Share 80, except that it also offers policyholders the benefits of a tax-advantaged Health Savings Account. The policyholder contributes to the HSA and then uses those funds to pay for qualified medical expenses throughout the year. Health Savings Accounts are always combined with high deductible medical plans.

The in-network coinsurance under this plan is 100%. This means that the member is not responsible for any portion of the total cost of any qualified, in-network treatment. In-network annual deductibles can range from $2,000- $5,200 for individuals and $4,000- $10,400 for families. There is a lifetime cap amount of $2 million.

Another plan offered by Humana Health Insurance is the Monogram Plan. This plan is formulated for those consumers who have no other access to health care benefits. It is an affordable plan that gives individuals the security and peace-of-mind of having health insurance but takes into account their lifestyle and circumstances. This plan is suitable for people who are relatively healthy and seldom visit doctors or treatment facilities. It also includes a preventive care benefit which offers coverage of annual examinations and physicals.

The Monogram Total Plus Rx Plan offers members a 100% in-network coinsurance, plus a $2 million lifetime maximum. In-network annual deductibles vary from $7,500 for individuals to $15,000 for families. This plan basically provides coverage for catastrophic events. It doesn’t require consumers to spend money on benefits that will never be used.

The Monogram Plan is an excellent choice for those individuals who want to have health insurance coverage, but are on a limited budget and have no other access to health insurance. Customers who choose this plan are guaranteed an initial 12 month set rate, provided no changes are made to the plan and the member resides within the same ZIP code for the duration of the 12 months. There is no annual contract associated with the Monogram Plan and it can be cancelled at any time. A simple application can be completed either online or over the telephone.


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Humana Health Insurance Quotes Are Available In Texas, Mississippi, Iowa, Louisiana, Arkansas, Wisconsin, Nebraska, Kansas, Oklahoma, Virginia, Michigan, Ohio, Kentucky, West Virginia, Tennessee, Georgia, Alabama, Missouri, North Carolina, South Carolina, Florida, Illinois, Indiana, Pennsylvania, Arizona, Colorado, Nevada, New Mexico, Utah