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President - ColoHealth
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Humana Autograph Plans

(Click here to view all Humana Plans available in Colorado)
Humana Autograph Plans
Humana HSA
Instant Quotes How to Apply
Coverage Synopsis Optional Benefits Rate Information PPO Networks Underwriting Effective Dates About Humana

The HumanaOne Autograph health plans offer a selection of cost sharing features, plan deductibles, and optional benefits, so it can be customized to your needs, allowing you to choose the level of protection you want at a cost that fits your budget.

Please view the Autograph Plan Brochures to see detailed information including Plan Provisions, Limits & Exclusions, and State Variations:

Share 80 Plus Rx/Copay Humana Autograph Adobe Acrobat Information  -  Share 70 Plus Rx Humana Autograph Adobe Acrobat Information

 

 

Plans at a Glance:

There are two HumanaOne Autograph non-HSA plans: the Autograph Share 80 Plus Rx/Copay and the Autograph Share 70 Plus Rx. The main distinctions between the two plans are the lifetime maximum ($5 mil/$2 mil), the coinsurance (80%/70%), and the office visit copay ($35/none).

 

Share 80 Plus Rx/Copay
Plan pays for services at
PARTICIPATING providers
Plan pays for services at
NON-PARTICIPATING
 providers
Annual Deductible
  • Annual amount (does not apply to maximum out-of-pocket expense)
Please run an Instant Quote to find deductibles in your area Please run an Instant Quote to find deductibles in your area
Maximum Out-of-Pocket Expense
(after deductible)
  • Individual (must be satisfied by each covered person)
Individual
$2,000
Family
 $4,000
Individual
$8,000
Family
$16,000
Preventive Care
  • Well-child care (including immunizations) (birth to age 13)
  • Routine annual PSA and digital rectal exam
  • Routine annual Mammograms
You pay 20% coinsurance You pay 40% coinsurance
  • Routine Annual physical exam (age 13 and older)
  • Routine immunizations
    (age 13 to 18)
  • Routine pap smear
You pay 20% coinsurance Not Covered
  • Routine lab, pathology and X-ray
You pay 20% coinsurance Not Covered
Physician Services
  • Office visitsPrimary care
$35 copayment for 6 visits, then you pay 20% coinsurance after deductible You pay 40% coinsurance after deductible
  • Office VisitsSpecialty care
    (limited to 6 combined Primary and Specialty care visits/calendar year)
    (includes allergy injections)
$50 copayment for 6 visits, then you pay 20% coinsurance after deductible You pay 40% coinsurance after deductible
  • Diagnostic lab, X-ray and allergy testing
First $200/yr covered 100%, then you pay 20% coinsurance after deductible You pay 40% coinsurance after deductible
  • Allergy serum
  • Inpatient services
  • Outpatient services (includes surgery)
You pay 20% coinsurance after deductible You pay 40% coinsurance after deductible
Hospital
Services
  • Inpatient care
  • Outpatient surgery - facility
  • Outpatient nonsurgical
  • Newborn hospital stay
You pay 20% coinsurance after deductible You pay 40% coinsurance after deductible
 
  • Emergency room (includes physician visits)
You pay 20% coinsurance after $75 copayment per visit and deductible (copayment waived if admitted) You pay 40% coinsurance after $75 copayment per visit and deductible (copayment waived if admitted)
Prescription Drugs
  • Prescription drug deductible (Covered prescription drugs are assigned to one of four different levels with corresponding copayment amounts.)
$1,000 prescription drug deductible per individual $1,000 prescription drug deductible per individual
  • Benefit for each prescription or refill (up to 30-day supply)
100% after: 70% after:
  • Level One - lowest copayment for lowest cost generic and brand-name drugs
$15 co-pay, not subject to prescription deductible $15 co-pay, not subject to prescription deductible
  • Level Two - higher copayment for higher cost generic and brand-name drugs
$35 co-pay after prescription drug deductible $35 co-pay after prescription drug deductible
  • Level Three - higher copayment than Level Two for higher cost, mostly brand-name drugs that may have generic or therapeutic equivalents in Levels One or Two
$55 co-pay after prescription drug deductible $55 co-pay after prescription drug deductible
  • Level Four - highest copayment for high-technology drugs (certain brand-name drugs, biotechnology drugs and self-administered injectable medications
25% co-pay up to $2,500 out of pocket maximum per year 25% co-pay up to $2,500 out of pocket maximum per year
  • Mail Order (90 day supply)
100% covered after three times the retail copayment 70% covered after three times the retail copayment
Other Medical Services
  • Skilled nursing facility (up to 30 days per calendar year)
  • Home health care (up to 60 days per calendar year)
  • Durable medical equipment
  • Hospice
  • Complications of pregnancy and sick baby services
  • Transplant services (organ) **
You pay 20% coinsurance after deductible

 

 

** when services are performed at a National Transplant Network provider
You pay 40% coinsurance after deductible

 

 

** subject to out of pocket maximum of $35,000 per covered transplant per year
Mental Health
(mental disorders, alcohol and chemical dependence)
Inpatient and Outpatient care (Combined $2,500 per calendar year maximum.  Outpatient care not to exceed $500 of the $2,500 calendar year maximum.) You pay 50% coinsurance
after deductible
You pay 50% coinsurance
after deductible
Optional
Benefits
  • Lifetime Maximum Benefit
$8 million per covered person $8 million per covered person
  • $500 Supplemental Accident Benefit
First $500 per accident covered at 100%, then base plan benefits apply First $500 per accident covered at 100%, then base plan benefits apply
  • $1000 Supplemental Accident Benefit
First $1000 per accident covered at 100%, then base plan benefits apply First $1000 per accident covered at 100%, then base plan benefits apply
  • $500 Prescription Drug Benefit
Under this option, $500 deductible is required to be met before plan benefits are payable Under this option, $500 deductible is required to be met before plan benefits are payable
Lifetime Maximum
$5,000,000

Humana autograph plans

 

Share 70 Plus Rx
Plan pays for services at
PARTICIPATING providers
Plan pays for services at
NON-PARTICIPATING
 providers
Annual Deductible
  • Annual amount (does not apply to maximum out-of-pocket expense)
Please run an Instant Quote to find deductibles in your area Please run an Instant Quote to find deductibles in your area
Maximum Out-of-Pocket Expense
(after deductible)
  • Individual (must be satisfied by each covered person)
Individual
$3,000
Family
 $10,000
Individual
$6,000
Family
$20,000
Preventive Care
  • Well-child care (including immunizations) (birth to age 13)
  • Routine annual PSA and digital rectal exam
  • Routine annual Mammograms
You pay 30% coinsurance You pay 50% coinsurance
  • Routine Annual physical exam (age 13 and older)
  • Routine immunizations
    (age 13 to 18)
  • Routine pap smear
You pay 30% coinsurance Not Covered
  • Routine lab, pathology and X-ray
You pay 30% coinsurance Not Covered
Physician Services
  • Office visitsPrimary care
$35 copayment for 6 visits, then you pay 30% coinsurance after deductible You pay 50% coinsurance after deductible
  • Office VisitsSpecialty care
    (limited to 6 combined Primary and Specialty care visits/calendar year)
    (includes allergy injections)
$50 copayment for 6 visits, then you pay 30% coinsurance after deductible You pay 50% coinsurance after deductible
  • Diagnostic lab, X-ray and allergy testing
First $200/yr covered 100%, then you pay 30% coinsurance after deductible You pay 50% coinsurance after deductible
  • Allergy serum
  • Inpatient services
  • Outpatient services (includes surgery)
You pay 30% coinsurance after deductible You pay 50% coinsurance after deductible
Hospital
Services
  • Inpatient care
  • Outpatient surgery - facility
  • Outpatient nonsurgical
  • Newborn hospital stay
You pay 30% coinsurance after deductible You pay 50% coinsurance after deductible
  • Emergency room (includes physician visits)
You pay 30% coinsurance after $125 copayment per visit and deductible (copayment waived if admitted) You pay 50% coinsurance after $125 copayment per visit and deductible (copayment waived if admitted)
Prescription Drugs
  • Prescription drug deductible (Covered prescription drugs are assigned to one of four different levels with corresponding copayment amounts.)
$1,000 prescription drug deductible per individual $1,000 prescription drug deductible per individual
  • Benefit for each prescription or refill (up to 30-day supply)
100% after: 70% after:
  • Level One - lowest copayment for lowest cost generic and brand-name drugs
$15 co-pay, not subject to prescription deductible $15 co-pay, not subject to prescription deductible
  • Level Two - higher copayment for higher cost generic and brand-name drugs
$35 co-pay after prescription drug deductible $35 co-pay after prescription drug deductible
  • Level Three - higher copayment than Level Two for higher cost, mostly brand-name drugs that may have generic or therapeutic equivalents in Levels One or Two
$55 co-pay after prescription drug deductible $55 co-pay after prescription drug deductible
  • Level Four - highest copayment for high-technology drugs (certain brand-name drugs, biotechnology drugs and self-administered injectable medications
25% co-pay up to $2,500 out of pocket maximum per year 25% co-pay up to $2,500 out of pocket maximum per year
  • Mail Order (90 day supply)
100% covered after three times the retail copayment 70% covered after three times the retail copayment
Other Medical Services
  • Skilled nursing facility (up to 30 days per calendar year)
  • Home health care (up to 60 days per calendar year)
  • Durable medical equipment
  • Hospice
  • Complications of pregnancy and sick baby services
  • Transplant services (organ) **
You pay 30% coinsurance after deductible

 

** when services are performed at a National Transplant Network provider

You pay 50% coinsurance after deductible

 

** subject to out of pocket maximum of $35,000 per covered transplant per year

Mental Health(mental disorders, alcohol and chemical dependence) Inpatient and Outpatient care (Combined $2,500 per calendar year maximum.  Outpatient care not to exceed $500 of the $2,500 calendar year maximum.) You pay 50% coinsurance
after deductible
You pay 50% coinsurance
after deductible
Optional
Benefits
  • Lifetime Maximum Benefit
$8 million per covered person $8 million per covered person
  • $500 Supplemental Accident Benefit
First $500 per accident covered at 100%, then base plan benefits apply First $500 per accident covered at 100%, then base plan benefits apply
  • $1000 Supplemental Accident Benefit
First $1000 per accident covered at 100%, then base plan benefits apply First $1000 per accident covered at 100%, then base plan benefits apply
  • $500 Prescription Drug Benefit
Not Available Not Available
Lifetime Maximum
$2,000,000

Note:  These charts contain a general summary of benefits, exclusions, and limitations. Please refer to the Autograph HSA Plan brochures for the actual terms and conditions that apply:

Share 80 Plus Rx/Copay Humana Autograph Adobe Acrobat Information  -  Share 70 Plus Rx Humana Autograph Adobe Acrobat Information

 

Humana autograph plans

Coverage Synopsis:

Share 80 Plus Rx/Copay

The Share 80 Plus Rx/Copay pays 100% of your primary care physician office visits after a $35 co-pay, up to six per year. It then covers 80% of your office visit costs after your deductible is met. The plan also pays for 100% of your prescription drugs after your $1,000 prescription drug deductible is met, and your co-pay. For non-participating providers the plan pays 60% of the costs after your non-participating provider deductible is met. The office visit co-payment benefit does not apply to preventive care services. 

For preventive care the plan pays 80% before your deductible.  Some preventive care is not covered with Non-Participating providers (routine annual physical exam (age 13 and older), routine immunizations (age 13 and older), routine pap smear, and routine lab, pathology and X-ray).

Lifetime maximum is $5 million, and can be increased to $8 million with the optional lifetime maximum benefit.

With this plan you can add an option to have a $500 prescription deductible.  Cost for this benefit is based on your individual characteristics, i.e. age, gender, etc.

Share 70 Plus Rx

The Share 70 Plus pays 70% of your medical expenses after your deductible. The plan also pays for 100% of your prescription drugs after your $1,000 prescription drug deductible is met, and your co-pay. The plan also pays for expenses up to 50% of the total cost at Non-participating providers after the non-participating provider deductible has been met. 

Lifetime maximum is $2 million, and can be increased to $5 million with the optional lifetime maximum benefit.

Preventive care is covered 70% with Participating providers before your deductible. Some preventive care is not covered with Non-Participating providers (such as: Routine annual physical exam (age 13 and older), routine immunizations (age 13 and older), routine pap smear, and routine lab, pathology and X-ray).

With Both Autograph Non-HSA Plans you can enjoy these extra benefits:

  1. Special Discounts
    • Eye care and vision services - Save up to 45 percent
    • 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
  2. Access to MyHumana for helpful health plan information, medical information, cost savings tips, and tools
  3. The convenience of a one-stop destination for life, dental, and individual health insurance

Humana autograph plans

Optional Benefits:

Dental Coverage

You can choose any dentist, but you can save up to 30 percent on out-of-pocket costs when you visit one of the more than 75,000 dentist locations in the PPO network. The annual deductible is $50 for an individual and $150 for a family.

The plan pays 100% of all preventative services, then 50% after the deductible for basic, major and teeth whitening services, up to an annual maximum of $1,000. You can also receive up to a 20% discount on orthodontia if you visit an orthodontist from the HumanaDental PPO network and ask for the discount.

Cost for this benefit is based on your individual characteristics, i.e. age, gender, etc and rates start around $30 per month in addition to the base premium. When you run a quote with us you will see options with and without this optional benefit.

Lifetime maximum

For $3 more per month you can extend your coverage and get the added protection you need with the $8 million lifetime maximum.

Supplemental accident benefits

If you have a minor accident that doesn't cost a lot, this benefit will cover you right away--up to $500 or $1000 per incident, before your deductible is required.  Anything over the initial benefit will go towards your deductible and base plan benefits apply.  The cost for an individual for this benefit is an additional $8.12 per month.  Family rates vary by number of members and ages.


Humana autograph plans

Rate Information:

Rates for all three Humana HSA plans are available on our instant quote page.

Rates vary based on age, zip code of residence, and other factors. Humana are very competitive, particularly for their higher deductible plans. When running your quote, please note that rates are often lower when placing the younger spouse as primary insured.

The premium can be paid via monthly, quarterly, semi-annual, or annual billing, or a monthly bank draft.  There is a $10 fee for quarterly and monthly billing. The bank draft will occur on the premium due date each month.  The initial premium can be paid with a check or credit card.


Humana autograph plans

PPO Networks:

Humana utilizes the ChoiceCare network. Insureds can use Humana doctors throughout the United States.  Having access to the PPO network can mean substantial discounts in what you pay for your health care, even before you meet your deductible. View the complete ChoiceCare PPO Network (check the HumanaOne and Member radio buttons, enter your zip code and click Go. Then select the Humana/ChoiceCare PPO Network and click Go). 

Please note that the Humana PPO network has an inadequate number of providers in the following counties in Colorado: Dolores, Hinsdale, Mineral, Ouray, Saguache, San Juan, San Miguel.

The Humana plans are portable, so you can move throughout the country without having to change insurance companies, and still have access to their large network.


Humana autograph plans

Underwriting:

The Humana Health Insurance underwriting process is extremely fast.  Someone from their underwriting department will call you to do a telephone interview. Often times you can be given a conditional approval during the telephone interview, if no medical records are needed. If medical records are needed, Humana issues a decision within 48 hours after receipt of records.

One important aspect of Humana's underwriting process is that it is done up-front only, when the application is submitted. Many insurance companies will underwrite again when a claim is submitted, and may retroactively place a waiver on a plan if a claim occurs in the first 12 months and they determine that it was a pre-existing condition. With Humana, if you do not receive a rate up or rider when you receive the policy, they cover the condition based on the plans benefits, and do not re-underwrite.

By the way, Humana has a history of paying claims quickly and currently pays 92% of all claims in 8 days or less.


Humana autograph plans

Effective dates:

If you currently have or have recently had coverage, you can request an effective date any time between the day you apply and 45 days later. If an underwriter gives you conditional approval, your health insurance coverage can go into effect immediately. If you have not had major medical health insurance within the past two months, you will have the choice of an effective date of 30 to 45 days after the application submission date.

If you are ready to apply and have urgent question, please use our contact form, or call our office at 800-913-6381 and see if Carol can put you through to one of our Personal Benefits Consultants. For more information on how to choose a plan and apply for coverage, see our Consumer's Guide page.


Humana autograph plans

About Humana:

Humana Inc., headquartered in Louisville, Kentucky, is one of the nation's largest publicly traded health benefits companies, with approximately 6.6 million medical members located primarily in 18 states and Puerto Rico. Humana offers coordinated health insurance coverage and related services - through traditional and Internet-based plans - to employer groups, government-sponsored plans, and individuals.

Humana Insurance Company has been assigned a rating of "A-" (Excellent) from the A.M. Best Company, an independent insurance rating organization.

ColoHealth is an independent authorized Humana agent in Colorado.

 

"You were able to answer all of my questions one on one, personalized to my specific situation."

"This was the first time I ever used an independent broker and I’m glad I did because I was able to shop for all the available carriers in one place. Plus, your website is pretty good about providing the quotes and the sort functions are wonderful. Your service stands out from the rest in that you were able to answer all of my questions one on one, personalized to my specific situation. Other agents I’ve used weren’t nearly as knowledgeable and were transparent as sales people with only one goal which was to get me to sign up regardless of my concerns and questions.”

Julie Jee
Greenwood Village, CO

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