Humana Health Insurance

Humana Health Insurance

Humana health insurance company is one of the largest health insurance providers. Apart from health plans, it also offers vision and dental policies. Plus, you can purchase here supplemental health plans. This insurer is also known to offer wellness programs to its members to help them achieve a healthier life. For example, its Humana Helps will explain how the Affordable Care Act. It has a rewards program, like the HumanaVitality, that aims to encourage individuals to donate blood, stop smoking, and exercise. It also urges members to undergo preventive screening.

Humana is committed to enhancing the benefits of its customers. However, it keeps the premium costs lower. Furthermore, the company offers more ways to care for its members around the country by providing them new services and tools to further support their health. The company also offers programs to resolve its members’ medical and physical needs. Its overall goal is to assist its members in achieving their best health and prevent any life-threatening condition.

Main Headquarters

Humana is located in Louisville, Kentucky. It has more than 13 million members making it the third-largest health insurance company in the United States. It has a network of more than 350,000 healthcare providers and over 3,000 clinics and hospitals. The company started in 1961 in the nursing home care industry. But it expanded its business to the health insurance industry. It has been in this business ever since.

The Cost of Humana Health Insurance

Humana’s health insurance cost is lower than average. Besides the low price, you must still be vigilant and study your options before making a decision. There are several factors to consider that may affect the plan’s overall cost. We recommend obtaining as many quotes as you can before you purchase a health plan. When you get free quotes, you can study them and find out which plans offer the best coverage for your healthcare needs. To ensure that you obtain accurate quotes, you need to answer some questions truthfully, like your age and location. You will also need to answer whether or not you smoke. Aging increases your risk of contracting a health problem. Therefore, it is just normal that health insurance will give you higher insurance premium costs as you get older. Apart from your age, where you live also matters. Then, if you smoke, you should expect to get a higher premium. Smoking can cause a lot of health problems.

The health policies of Humana are categorized into metal tiers. They represent how you and the company will share your overall healthcare costs. The higher the level, the more expensive the premium will be. You must also peruse the kind of plan that you must purchase. The company offers HMOs, PPOs, EPOs, and POs. Choosing a plan will hinge on your comfort level, as well as how you balance the overall costs. To evaluate your overall health insurance cost, you should consider requesting as many quotes as you want. After receiving them, you can study your options and know whether or not you qualify for some subsidies by visiting

The Best Humana Health Plan

There is no one-size-fits-all when it comes to the Humana health plan. The best plan will depend on several factors, like your medical care needs and budget. Consider your current healthcare needs and the medical care you might need the following year. As you evaluate your healthcare needs, consider the average cost you will spend on your healthcare expenses each year. Then, consider the prescription drugs you take regularly. Most of all, consider the health plan you can afford. Once you have an idea of the average amount you can spend on your medical care each year, you can begin evaluating your options.

Types of Health Insurance Available

There are different major types of health insurance. These are the following:

Health Maintenance Organization (HMO)

It is a plan that lets you choose a primary care physician (PCP). This doctor should be part of your plan’s network. You will coordinate with your PCP for your healthcare. Your PCP will be the one to refer you to a specialist if you need one. Without his referral, you can consult with a specialist but the consultation will not be covered.

Preferred Provider Organization (PPO)

Unlike HMO, PPO is more flexible in terms of choosing healthcare providers. The PPO plan does not require picking a PCP. But it still has a network of healthcare providers. However, you can choose whether to stay within its network or use other providers outside your plan’s network. If you wish to reduce your overall healthcare cost, though, you must pick a provider within your network.

In terms of cost, HMO is cheaper than PPO. HMO has a lower premium than PPO. But PPO is ideal if you wish to continue using your doctor who is not part of your plan’s network. This plan is also great if you do not like asking a referral each time you want to see a specialist. However, if you wish to reduce your overall healthcare cost, then HMO makes a lot of sense. It is a better option if you do not mind picking a PCP to manage your medical care.

Find a Quote

Once you understand your healthcare needs, you can start shopping for a health plan. You may use a licensed agent or an insurance website to assist you in picking the right plan.

Submit Your Application

After determining the policy that meets your needs, you can start sending your application to enroll. However, you can only enroll during an Open Enrollment period. You can register for a new policy or renew your current plan. Keep in mind though that different states have different dates to start accepting an application.

It is good to know that the Humana health insurance company follows federal laws. It does not segregate individuals, according to race, age, and color. It also does not discriminate against people based on their disability, gender, and sex. To find out more about whether or not the treatment you need will be covered by your policy, consider studying your Benefit Plan Document. It also explains what healthcare procedures are covered by your policy.