Humana Inc., headquartered in Louisville, Kentucky, is one of the nation’s largest publicly traded health benefits companies, with approximately 9 million medical members.
Humana has proven over our 45-year history that we embrace change and seize opportunities that help to transform our business. Our vision is to become the most trusted name in health solutions.
Humana offers coordinated health insurance coverage and related services to employer groups, government-sponsored plans, and individuals.
Providing «one-stop» shopping for a complete benefits package
Our specialty products — dental, life, and disability insurance — complement our core health offerings. Humana provides health benefits and related services to companies ranging from two to tens of thousands of employees. Humana also offers a wide range of products and services designed specifically to meet the needs of small businesses, as well.
Working to control costs and advance consumerism with consumer-focused plans
Humana is committed to helping employers moderate their health care costs and turning passive users into savvy health care consumers. Our SmartSuite plans do just that. In fact, since the introduction of this consumer-focused set of plans, participating companies have experienced sustained annualized claims trend in the 5-6 percent range, compared to a national health cost inflation rate of 12-14 percent per year during the same period.
Humana Health Insurance Quotes are available in the following states
Texas, Florida, Connecticut, Illinois, Indiana, New Hampshire, New Jersey, Pennsylvania, Alaska, New York, Iowa,Massachusetts, Delaware, Maryland, Maine, Rhode Island, Vermont, Virginia, Michigan, Ohio, Kentucky, West Virginia, Tennessee, Georgia, Alabama, Missouri, North Carolina, South Carolina, Mississippi, Louisiana, Arkansas,Wisconsin, Minnesota, North Dakota, South Dakota, Nebraska, Kansas, Oklahoma, Arizona, California, Colorado,Hawaii, Idaho, Montana, Nevada, New Mexico, Oregon, Utah, Washington, Wyoming, District of Columbia
Plans from Humana
Humana has several plans to offer their members with choice and flexibility where you can add various optional benefits. With features such as customized â€œbuild-your-ownâ€ plans and large networks including 350,000 medical providers and 3,000 hospitals it is easy to find a health insurance plan that best fits your personal lifestyle and needs. Humana provides its customers with such plans as the Portrait Plan, Monogram Plan and Autograph Plan. Most Humana plans do vary by state, therefore, in order to receive the accurate information for your state, it would be helpful to go through a broker.
Humana’s Portrait plan is for those people who want benefits like those provided by big employers, who prefer to minimize risk in their lives, and who may plan to use medical services in the future. This plan will help those who may be self-employed, are early retirees or work for a company that does not offer group health insurance.
The Portrait plan includes 80 Plus Rx and Unlimited Office Visit Copay. The In-network coinsurance is 80%/20% which means the health plan pays 80% and you pay 20%. The in-network plan deductible ranges from $1000-$2,500 for single and $2000-$5000 for family. Office copayments are unlimited as long as you visit your in-network primary care physician and doctors.
Humana Portrait members may save hundreds of dollars each year through discount programs offered by participating retailers and providers such as saving up to 45% on eye wear, examinations and laser procedures with the Eye Care and Vision Services.
Humana’s Autograph Plan with Share 80 Plus Rx and Copay is best for those people who seek the right combination of features and benefits that fits their lifestyle, who like to take charge of their own well-being and who may make multiple physician visits for illness or injury. The Share 80 Plus Rx and Copay is one of the several plans offered in the Autograph series. This series includes personal health plans that stand apart to fit each individual and family’s needs because as Humana states, «one size fits all does not work in health insurance.»
The discount program also offers savings within the Autograph plans. The Share 80 Plus Rx and Copay Plan members can receive discounts on Eye Care and Vision Services, Pharmacy Purchases and Health and Wellness Services. This Autograph plan has similar coverage for services to the Portrait Plan and are also subject to limitation.
Another specific plan within Humana’s Autograph Plans is the Autograph with HSA plan. This plan would be the best fit for people who seek the right combination of features and benefits that fit their lifestyle, who like to take charge of their own well being, and who appreciate the tax-saving benefits of a Health Savings Account. With this plan, you can help yourself to potential tax advantages by combining it with a Health Savings Account that lets you pay for qualified medical expenses with tax-deductible contributions.
To summarize the Autograph Plan plus HSA, the in-network coinsurance is 100% meaning the health plan pays all coinsurance. The in-network deductible ranges from $2,000 to $5,200 for single coverage and $4,000 to $10,400 for family coverage. There is also a $2 million lifetime maximum.
Humana’s other main plan called the Monogram Plan is ideal for those people who want low-cost protection, who are healthy and seldom visit doctors, and whose lifestyle situation requires it because your employer doesn’t offer a group health plan, you are a recent college grad or graduate student, you are not eligible for group benefits because you only work part time or you are no longer covered under your spouse’s or parents’ health plan. Monogram is an affordable health plan that gives you a safety net of coverage in case you ever need it. This plan also offers a preventive care benefit that covers annual exams and physicals.
The Monogram Total Plus Rx Plan has a 100% in-network coinsurance, a $2 million lifetime maximum and the in-network plan deductible is about $7,500 for single coverage and $15,000 for family coverage. The main feature of this plan is that you have coverage that’s there if you ever need it so you won’t be spending money on benefits you never use.
Monogram is an excellent choice regarding budget as it provides a high deductible with a lower premium. You get an initial 12-month rate guarantee as long as you stay with the same plan and live in the same ZIP code. There is no annual contract with Monogram allowing you to cancel any time you like and you can apply through easy application online or over the phone.
Humana offers a variety of Medicare products such as Gold Choice PFFS, Gold Plus HMO, Choice PPO and three prescription drug plans as well as Medicare supplement plans: A, B, C, F, K and L. Humana is also available in 24 states. For more information about Humana Medicare plans, visit our Humana Medicare page or check outHumana Medicare Advantage plans at MedicareSolutions.com.
When choosing a health insurance company, you want an insurance provider who is well-established and has an excellent reputation within the insurance industry. Human Health Insurance Company has operations based in Louisville, Kentucky and is one of the largest health care insurers in the United States. It is a well-established player in the health insurance industry, providing insurance to almost 12 million with annual revenues of more than $33 billion.
You can buy a health insurance policy from Humana in all 50 states and the District of Columbia as well as Puerto Rico. The company sells individual insurance, Medicare plans and group health insurance plan to businesses. United Healthcare tried unsuccessfully to acquire Humana in 1998, but the merger failed.
In the beginning, Humana was not an insurance company at all, but a nursing home company. It began in 1961 and 1974, became known as “Humana.” Humana was active in the field of healthcare research and contributed to Jarvick and DeVries’ artificial heart research. Humana maintains its interest in hospitals and healthcare research. The company administers the TRICARE health insurance program for the United States military and also is a provider to the PGA and Champions golf tours. Humana has been a leader in insurance industry innovative technology as well, receiving the “Stevie Awards” for its mobile application, MyHumana Mobile.
It was the People’s Choice Winner in the category of “best new product or service of the year.”
Financial Strength and Customer Satisfaction
Humana has an “A-“Excellent rating through A.M. Best insurance rating organization. The Moody’s rating of Human is “Baa3” while the Fitch rating is “BBB-.” Humana has also been recognized and received several distinguished recognitions and awards including the Dorland Health Award for exceptional services in the Medicare Advantage category for insurance customers over 55.
The company received a J.D. Power and Associates Award for “Highest Member Satisfaction among Commercial Health Plans in Texas.” Humana received this same award for the states of North Carolina, South Carolina, and Georgia.
Better Business Bureau Rating
Humana, Inc. has an “A+” rating with the Better Business Bureau. It has been an accredited business since 1998. The BBB file for Humana was opened in 1979. Humana has received a BBB composite score of 3.71 out of 5 stars based on 45 customer reviews. Of the 45 customer reviews, 44 are negative and there is 1 positive review. There are a total of 385 customer complaints listed. Of the 385 customer complaints listed within the last 3 years, 85 of those complaints have been closed within the last 12 months. The breakdown of complaints is as follows: 385 total complaints; 225 complaints with products or services; 1 complaint with guarantee/warranty issues; 13 complaints with delivery issues, 125 complaints with billing/collection issues and 20 complaints with advertising/sales issues.
In the customer service category, Humana has its share of complaints, as do most large health insurance companies. It does, however, maintain its Better Business Bureau accreditation.
The majority of complaints listed include programs with products or service issues.
Health Insurance Options
To purchase a health insurance policy through Humana, you can buy a policy through local agents who represent Humana. With Humana health care insurance, you have the option of contributing to an HSA or healthcare savings account. With this account, you can save up money to apply towards your medical deductible. This is important if you feel you may have trouble coming up with the money to pay for a large deductible. There are also co-pay options with a PPO (preferred provider organization) and a plan that pays 100% after you have met your deductible for the year. You can add extensions to your health insurance plan such as a pharmacy, dental or vision plans to supplement your coverage.
Check the Humana website for further information regarding available supplement plans and restrictions to plans in certain states.
You basically have three healthcare provider choice options through Humana’s health insurance plans:
HMOs: If you use an HMO, you will be limited to only using healthcare professionals and facilities within the company’s provider network. There are a fairly large number of choices available, but again, you must stay within the provider network. This is the least expensive option for healthcare coverage through Human.
PPOs: With the Preferred Provider option, you have a little more flexibility. You have the option of using an out-of-network provider; however, if you do, the insurance company will cover less of the expensive. You save money if you use the hospitals, clinics, and doctors that are within the preferred provider network.
Traditional Indemnity Plans: Through purchasing a traditional indemnity healthcare plan, you have the freedom to choose a healthcare facility or doctor you choose. However, this plan is much more expensive to buy than an HMO or PPO plan.
Employer Health Insurance Plans
For employers, Humana offers a high-deductible plan which helps companies keep health insurance costs low for employees. Many employees benefit by using the HSA (Healthcare Savings Account) to save money towards any deductible requirements while also enjoying lower healthcare insurance premiums. Humana’s basic healthcare insurance option which covers only hospitalization costs and basic healthcare related expenses is called “Coverage First.” This is the low-cost health insurance options for those needing to stay within a budget. The “Point-of-Service” plan offers a choice of using either in-network or out-of-network providers.
For Medicare recipients, Humana has several supplemental options including prescription drugs and the Medicare Advantage plans. Humana has also partnered with Wal-mart pharmacies to offer a (PDP) or preferred prescription drug plan. You can buy prescriptions through this plan for only $15 per month. This is a very important consideration for many elderly patients who must take regular prescription medications.
Variety of health insurance options available
Low-cost health insurance options
To get the best pricing, you must use either the HMO or PPO Plan.
Customer service complaints in the areas of products and services
Company Contact Information
To find out more about Humana’s health insurance products or to find a local agent, you may visit the Humana website. There are many points of contact for Humana depending on whether you are a current customer or looking to buy a health insurance policy. You can find these contacts on the Humana contact us page.