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Humana
Individual Health Insurance
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Company
Information |
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Humana
is committed to helping employers and Individuals manage their healthcare costs,
guiding consumers to make informed health and benefits decisions,
and giving back to the communities they serve. Throughout the
company, Humana associates and leaders are dedicated to
delivering value to their customers, shareholders, and members,.
HumanaOne offers affordable health Insurance for individuals
and families, plus exceptional customer care, and the peace of mind
in knowing they have the best insurance they can afford, and need. |
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Why Choose
HumanaOne? |
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- You get the choice and flexibility to customize your
individual health plan due to Humana's
health insurance plan variety, plus you get to choose from a wide network of
doctors.
- You have the convenience of a one-stop opportunity to shop for
life, dental, and individual health insurance.
- Take advantage of special Humana health plan discounts that
could save you hundreds of dollars a year (varies by state).
friendly Humana Customer Care Team that helps you make informed
healthcare decisions.
- Access to MyHumana for helpful health plan information,
medical information, cost savings tips, and tools
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HumanaOne offers
Choice and Flexibility |
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Extensive network.
Our network features approximately 350,000 medical providers, more
than 3,000 hospitals, and nearly 50,000 pharmacies across most of
the U.S. If you’re sick or injured while you’re traveling, you’re
likely to find medical care covered by plan benefits at in-network
rates, which can save you a considerable amount of money.
Plan portability is another feature
that sets us apart. This means your health insurance plan coverage
can continue if you move to another participating state.*
Health insurance plan variety. With
HumanaOne you can customize an individual health insurance plan that’s
just right for you. Choose the plan you like, then add any extras
you need, from dental benefits and maternity coverage, to
prescription medication and life insurance plans.*
* Coverage and rates may vary by region and availability.
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Convenience |
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Humana One is a convenient, one-stop destination for
individual health insurance, life insurance, and dental insurance.
We combine easy-to-use tools and exceptional customer service that
take the hassle out of health insurance. Once you’ve made your
choice, simply apply online or call us at 281-444-2226.*
As a new member, you’ll receive:
- A Health Plan Guide with easy to understand information to
help you make the most of your health insurance benefits
- Access to MyHumana, a secure Website with online
financial tools for managing medical costs and tracking claims
status
- Online transparency tools including Compare Hospitals, the
Cost Estimator, and the Physician Profile to help weigh your
options and make confident decisions.**
*All applications are subject to
approval.
**Not available in all areas. |
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Special Discounts |
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As a HumanaOne member, you keep more money in your pocket
by enjoying special money-saving opportunities through discount
programs. You can take advantage of these HumanaOne member savings:
- Eye care and vision services – Save up to 35 percent off
retail price on frames
- Over-the counter and prescription medication – Save up to 25
percent
- Chiropractic, acupuncture, and massage therapy – Save up to 30
percent
- Health-related products and services, including skin care,
nutrition supplements, and vitamins – Save up to 20 percent
Humana Health Plans include value-added features, not just
insurance. |
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Customer Care |
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Receive the attention you deserve with a Humana customer support
team ready to answer questions about benefits and claims. Claim
payments are made in a timely and accurate manner.
As you can see, HumanaOne has an exceptional track record
for timely and highly accurate claims payments.
- Our claim payment accuracy is 99.6 percent.
- 95 percent of all claims are processed within 30 days; almost
all of those claims are processed within two weeks
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MyHumana |
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As a HumanaOne member, you’ll have access to MyHumana,
a personalized suite of online tools that helps you budget wisely
for medical care, and discover more ways to save. MyHumana
makes it easy to:
- Track medical expenses for yourself and each member of your
family.
- See what you’ve spent and how to plan ahead.
- Access to clear information about provider performance and
healthcare costs with online tools like: Compare Hospitals, the
Cost Estimator, and Physician Profile
- Look up treatments and drugs prescribed by your doctor, see
what’s covered by your plan, understand what it costs, and learn
what alternatives are available to you.
- Check claims submitted and confirm their status.
You'll also find money saving tips to make your health plan
dollars go further, such as saving up to 50 percent on the cost of
prescription drugs simply by switching to an equivalent generic
medication*. Additionally, MyHumana offers a convenient
view of year-to-date medical expenses, allowing you to take
control out-of-pocket costs.
* Check with your physician before changing medications or dosage
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Humana Individual Health Insurance Plans |
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Humana One Portrait |
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- Personalized, concierge-level service
- We pay 80% of most covered in-network medical costs and
emergency room visits.
- We pay 100% of in-network doctor visits for covered illnesses
and injuries after co-payment and prescription medications once you
reach your separate prescription deductible.
Basic Coverage Options
Deductibles
HumanaOne Portrait personal health plan offers
benefits like those you'd expect from working for big companies,
who offer employee benefits. There's a
low $1,000 or $2,500 annual deductible for in-network single
coverage, and a $2,000 or $5,000 deductible for in-network
family coverage.
Coinsurance
Once you've met your annual deductible, HumanaOne
Portrait shares the cost of your healthcare with you. This plan
pays 80 percent for most covered in-network medical services
and you pay just 20 percent.
Office Visit Co-payment
Every in-network office visit for covered illnesses and
injuries are paid at 100 percent after your co-payment.
Prescription coverage
Co-payments as low as $15 for common prescriptions. Certain
drug levels require meeting a separate prescription
deductible.
Waiting periods, limitations and exclusions apply.
Optional Benefits
Dental Coverage
Keep your teeth looking healthy with access to more than 80,000
dentist locations:
- Coverage for preventive care, basic and major services
- Teeth whitening
- Discounts on orthodontia services
Lifetime maximum
Extend your coverage and get the added protection you need with
the awesome $8 million lifetime maximum option!
Zero deductible prescription benefit
Your pharmacy benefits will begin immediately when you choose
our zero dollar deductible pharmacy option.
Life insurance coverage options
You can conveniently apply for a separate term life insurance
policy from $25,000 to beyond $1 million at the same time you
apply for your HumanaOne Portrait health plan.
A term life rider for $20,000 is also available for your HumanaOne
Portrait health plan.
Supplemental accident benefits
A sudden accident can cost you a great deal in unexpected cash
depletion meeting your large deductible.
What if you had a minor accident that doesn't cost a lot? It's
still a long way to go before meeting your deductible. With this
benefit you're covered right immediately up to $500 per incident.
Maternity benefit
Coverage is available for pregnancy and routine newborn
well-baby services. A waiting period applies.
Click
here for a printable copy of Humana's Portrait Benefits
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Humana One Autograph |
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- Ideal coverage for people who:
- Want the right combination of benefits to fit
their lifestyle
- like to take charge of their own health.
- may have new careers, new family members and other changing
needs
- Includes plans that can be combined with a Health Savings
Account for potential tax advantages
- Choose from plans that pay 70, 80 or 100 percent of the
covered cost for most in-network care once you reach your
deductible.
Basic Coverage Options
Deductibles
HumanaOne Autograph individual health plan lets you
customize your deductible for the right balance of cost and
coverage. Single in-network deductibles range from $1,500 to
$6,000, and family in-network deductibles from $3,000 to
$12,000.
Coinsurance
Once you have met the annual deductible of your choice,
your HumanaOne Autograph plan will pay 70, 80 or 100
percent of most covered in-network medical costs based on the
plan you choose.
Office Visit Co-payment
With certain HumanaOne Autograph plans, up to six
covered in-network office visits for illness or injury are
paid at 100% after a co-payment.
Prescription Coverage
Certain HumanaOne Autograph plans offer a
prescription drug benefit that covers eligible costs after a
$1,000 deductible is met. Other HumanaOne Autograph
plans either have no prescription drug benefit or will apply
your prescription costs to your medical deductible.
Waiting periods, limitations and exclusions apply.
Optional Benefits
Dental Coverage
Keep your smile looking healthy with access to more than 80,000
dentist locations:
- Coverage for preventive care, basic and major services
- Teeth whitening
- Discounts on orthodontia services
Lifetime Maximum Benefit
The added protection of a $5 million or $8 million lifetime
maximum is available depending on the plan you choose.
$500 Deductible Prescription Benefit
Your pharmacy benefits will begin sooner when you choose the
plan with the separate $500 deductible pharmacy option.
Life Insurance Coverage Options
You can conveniently apply for a separate term life insurance
policy from $25,000 to beyond $1 million at the same time you
apply for your HumanaOne Portrait health plan. A term life rider
for $20,000 is also available for your HumanaOne
Autograph health plan.
Supplemental Accidental Benefits
What if you had a minor accident that doesn’t cost a lot? It’s
still a long way to go before meeting your deductible. With this
benefit you’re covered right away—up to $500 per incident.
Maternity Benefit
Certain HumanaOne Autograph plans offer coverage for
pregnancy and routine newborn well-baby services. A waiting
period applies.
Click here
for a printable copy of Humana's Autograph Benefits |
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monogram |
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- Ideal coverage for people who:
- want low cost protection just in case an accident happens
- are healthy and seldom visit doctors but need coverage for
annual exams
- recent college graduates or graduate students
- Affordable monthly cost for protection anywhere in the
continental U.S.
- We pay 100 percent of most covered, in-network medical costs
once you've reached your annual deductible.
- Includes benefits for preventive care and prescription
medications
Basic Coverage Options
Deductibles
HumanaOne monogram personal health plan lets you
select a single annual in-network deductible of $7,500 or a
family in-network deductible of $15,000.
Coinsurance
When you reach your annual deductible, HumanaOne
monogram pays 100 percent of most covered in-network medical
costs after that.
Prescription coverage
Includes a prescription drug benefit with copayments as low
as $15 for common prescriptions. Certain drug levels require
meeting a separate prescription deductible.
Waiting periods, limitations and exclusions apply.
Optional Benefits
Dental Coverage
Keep your smile looking healthy with access to more than 80,000
dentist locations:
- Coverage for preventive care, basic and major services
- Teeth whitening
- Discounts on orthodontia services
Lifetime Maximum Benefit
The added protection of a $5 million lifetime maximum is
available.
Life Insurance Coverage Options
You can conveniently apply for a separate term life insurance
policy from $25,000 to beyond $1 million at the same time you
apply for your HumanaOne Portrait health plan. A term
life rider for $20,000 is also available for your HumanaOne
monogram health plan.
Supplemental Accidental Benefits
What if you had a minor accident that doesn’t cost a lot? It’s
still a long way to go before meeting your deductible. With this
benefit you’re covered right away—up to $500 per incident.
Click
here for a printable copy of Humana's Monogram Benefits |
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