Humana Medical Insurance: An Overview of Humana Health Insurance Programs

Humana Health Insurance is an agency that provides many different insurance programs to fit almost anyone’s needs. They offer these programs to employers as well as for individuals and families. They offer group health insurance for employers. This program allows the employees to take control of their insurance plan and decide what plan works for their situation and is affordable to their budget. This program also offers a healthcare spending account for those unexpected healthcare expenses.

One of the programs offered to employers is the SmartSuite program which gives employee coverage where they need it and offers resources in helping the employee keep their healthcare costs to a manageable level. They also offer the high deductible health plan which provides a no copayment service. This helps you meet your deductible faster by having you’re medical and prescription costs applied directly to the deductible so you can meet it faster. This program allows you to have some of your preventative medical services paid for 100% before the deductible is ever met.

You can also choose a high deductible PPO with a spending account for healthcare provided by the employer. The personal care funds will cover the medical costs the employer decides. It could be for dental, medical expenses, prescriptions or used towards your plan’s deductible. Chiropractic and physical therapy services could also be covered as well. Discuss it with your employer to decide what is best for you.

Humana also offers their Coverage first program, where they would pay for the first $500 of your medical costs minus your copayments. After that you will have to meet your deductible in order for Coverage first to start paying their percentage of your medical costs.

There’s also the HMO program where you would be responsible for the copayments of the services and the HMO program would cover the rest if it’s a service covered under the plan. It also must be a doctor that’s approved by the HMO program. If there’s an emergency expense at a location that isn’t within the network, the HMO usually will cover it, provided they are notified promptly.

Humana offers their Point of Service Plans. This includes a regional and national POS plans. The regional POS plan offers in network savings for the services from the HMO providers within the network. The national POS plan offers the same savings only to a network or more doctors, hospitals and pharmacists.

Check out the website for more detailed information on all the different plans and how they could work for you. Compare the prices of all their package deals and choose what would fall within your budget.