Message from Wiley Long
President - ColoHealth
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Humana Health Insurance HSA Plans

 

Plans: Supplemental Accident Coverage
The perfect complement to any HSA

 

 

(Click here to view all Humana Plans available in Colorado

Humana has recently revamped its HSA plans and rates, and now offers the most popular and competitive plan in many areas. The coverage is strong, the rates are usually very good, and there is a very large PPO network.

 

Rate Information PPO Network Underwriting Effective Dates About Humana

 

HSA Plans at a Glance:

Humana offers numerous HSA compatible plans, allowing you to pick a plan that perfectly suites your needs. There are plans that cover you at 100% after your deductible, as well as plans with a more traditional co-payment after meeting your deductible. The most comprehensive coverage is the HumanaOne Enhanced HSA, which covers you at 100% after meeting your deductible, including prescription drugs.

Here is a quick comparison of these three plans. This is a general overview of plan features. The policy contains the actual terms and conditions. Waiting periods, limitations and exclusions apply. 

 

 

HumanaOne Enhanced HSA/100% (70% out of network)

HumanaOne HSA/100% (70% out of network)

Deductibles* $1500, 2500, 3500, 5000, 5950 $1500, 2500, 3500, 5000, 5950
Preventative Care 100% after deductible for HPV, Meningococcal, Zoster vaccines and endoscopic service 100% for child immunization (other than HPV/Menin.)** 100% after deductible
Preventative Lab and X-ray Diagnostic lab/x-ray 100% for preventative pap smear, mammogram, and prostate screening**

100% after deductible
100% after deductible
Office Visits 100% for preventative visit**
100% after deductible
100% after deductible
Inpatient/Outpatient Services 100% after deductible 100% after deductible
Emergency Room Services 100% after deductible 100% after deductible
Mental Health (includes mental illness and chemical dependence)*** 100% after separate mental health deductible Not Covered
Prescription Drugs 100% after deductible (integrated with medical) Not Covered: member has access to discount card
Optional Benefits Supplemental accident benefit of $1000 or 2500 (does not count towards deductible)

Dental Life


Insurance $25-150,000
Supplemental accident benefit of $1000 or 2500 (does not count towards deductible)

Dental Life

insurance $25-150,000

*Deductibles listed are for individuals, family deductibles are doubled
**Subject to $500 per year maximum per person
***Up to $2500 maximum; outpatient services limited to $500 of 2500
.

 

 

HumanaOne Enhanced Copay/80%
(60% out of network)
HumanaOne Copay/80%
(60% out of network) 
HumanaOne HSA/100%
(70% out of network)
Deductibles* $500, 1000, 1500, 2000, 2500, 3500, 5000 $3500, 5000  $1500, 2500, 5000
Coinsurance Out-of-pocket maximum** $2500 $3500  $5000
Preventative Care 80% after deductible for HPV, Meningococcal, Zoster vaccines and endoscopic services

80% for child immunization (excluding HPV and Menin.)
80% after deductible for HPV, Meningococcal, Zoster vaccines and endoscopic services

80% for child immunization (excluding HPV and Menin.)
70% after deductible for HPV, Meningococcal, Zoster vaccines and endoscopic services

80% for child immunization (excluding HPV and Menin.)
Lab and X-ray 100% for preventative visit**
100% after deductible
First $400 at 100% then 80% after deductible  First $300 at 100% then 70% after deductible
Office Visits 100% after deductible 6 visits at $35/65 then 80% after deductible  3 visits at $35/65 then 70% after deductible
Inpatient/Outpatient Services 100% after deductible 80% after deductible  70% after deductible
Emergency Room Services (access fee and copay waived if admitted) 100% after separate mental health deductible $100 access fee then 80% after deductible  $125 access fee then 70% after deductible
Mental Health (includes mental illness and chemical dependence)*** 100% after deductible (integrated with medical) 50% after separate deductible  50% after separate deductible
Prescription Drugs Separate $500 deductible, then copay

Level 1 - $15
(no deductible)
Level 2 - $35
Level 3 - $60
Level 4 - 35%**** 
Separate $700 deductible, then copay

Level 1 - $15
(no deductible)
Level 2 - $35
Level 3 - $60
Level 4 - 35%**** 
Separate $1000 deductible, then copay

Level 1 - $15
(no deductible)
Level 2 - $35
Level 3 - $60
Level 4 - 35%**** 
Optional Benefits  Rx buy up deductible
($150)

Deductible carryover credit (does not apply to Rx)

Supplemental accident benefit of $1000 or 2500 (does not count towards deductible)

Dental Life


Life insurance
$25-150,000
Rx buy up deductible ($150)

Deductible carryover credit (does not apply to Rx)

Supplemental accident benefit of $1000 or 2500 (does not count towards deductible)

Dental Life


Life insurance
$25-150,000
Rx buy up deductible ($150)

Deductible carryover credit (does not apply to Rx)

Supplemental accident benefit of $1000 or 2500 (does not count towards deductible)

Dental Life


Life insurance
$25-150,000

*Deductibles listed are for individuals, family deductible is three times those listed
**Maximums listed are for individuals, family maximum is doubled
***Up to $2500 maximum; outpatient services limited to $500 of 2500
****$5000 out-of-pocket maximum

 

Non-HSA Plans:

Humana also offers health insurance that is not compatible with Health Savings Accounts. While we always recommend our clients take advantage of the savings opportunities provided by HSAs, we are more than happy to assist you in finding a non-HSA plan should you desire.

 

 

HumanaOne Value/100%
(75% after deductible) 

Deductibles* $5000, 7500
Preventative Care 100% after deductible for HPV, Meningococcal, Zoster vaccines and endoscopic service

100% for child immunization (other than HPV/Menin.)**
Preventative Lab and X-ray Diagnostic lab/x-ray 100% for preventative pap smear, mammogram, and prostate screening**

100% after deductible
Office Visits 100% for preventative visit**

100% after deductible
Inpatient/Outpatient Services 100% after deductible
Emergency Room Services $125 access fee then 100% after deductible
Mental Health (includes mental illness and chemical dependence)*** 100% after separate mental health deductible
Prescription Drugs Separate $1000 deductible, then copay

Level 1 - $15 (no deductible)
Level 2 - $35
Level 3 - $60
Level 4 - 35%****
Optional Benefits  Deductible carryover credit (does not apply to Rx)

Supplemental accident benefit of $1000 or 2500 (does not count towards deductible)

Dental Life


Life insurance $25-150,000

*Deductibles listed are for individuals, family deductible is three times those listed
**Subject to $500 per year maximum per person
***Up to $2500 maximum; outpatient services limited to $500 of 2500
****$5000 out-of-pocket maximum

Humana Health Insurance HSA 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.

You can also learn more about Humana Dental plans.

 

PPO Networks:

Humana utilizes the ChoiceCare network. Insureds can use Humana doctors throughout the United States. 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).

Humana's ChoiceCare Network includes more than 320,000 physicians and ancillary care providers in 50 states and the District of Columbia, serving 1.3 million PPO members.

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.

 

Underwriting: 

The Humana Health Insurance underwriting process is usually 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.

Underwriting guidelines appear to be more lenient for plans with deductibles of $2,500 or higher.

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

 

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. Coverage for sickness has a 15 day waiting period.

Please contact our office by phone (866-749-2039) or use our contact form for more information on getting this coverage in place - right away if necessary.

 

Additional Coverages

HumanaOne also offers several additional forms of insurance coverage. These include things such as:

  • Critical Illness: Pays a set amount of money for a cancer diagnosis or heart attack. Visit our Humana Critical Illness page for more information.
  • Hospital Cash Value: Pays a set amount of money in the event of hospitalization or emergency room treatment. Visit our Humana Cash Value page for more information.
  • Memorial Fund: Whole Life Insurance designed to pay your final expenses and more. Visit our Humana Memorial Fund page for more information.

About Humana:

HumanaOne offers health insurance coverage for individuals and families, such as self-employed entrepreneurs, students, recent college graduates, and early retirees, and those who may be uninsured. HumanaOne is a division of Humana Inc., one of the nation's largest publicly traded health benefits companies, with over 11 million medical members as of 2008, in 18 States and Puerto Rico.

HumanaOne offers flexible "build-your-own" health insurance plans that let consumers choose from many of the features usually found only in group health plans, such as negotiated rates, wellness benefits, and special discounts.

Humana has been assigned an "A-" (Excellent) rating from the A.M. Best Company, an independent insurance rating organization. A.M. Best assigned this rating after a thorough quantitative and qualitative evaluation of a company's financial condition and operating performance. 

ColoHealth is an independent authorized Humana agent.