A PPO or POS plan with a built-in benefit allowance.

CoverageFirstSM

CoverageFirstSM plans are a great option for your clients who want to "dip their toe" into consumerism.

CoverageFirst is a unique Preferred Provider Organization (PPO), Point of Service (POS), or Health Maintenance Organization (HMO) plan that includes a "benefit allowance" for each covered member - money that can be used before the member has to meet the deductible. At the other end of the spectrum, CoverageFirst has an out-of-pocket maximum to limit a member's costs in case of a serious illness or injury.

Why Offer CoverageFirst?

Many CoverageFirst features are designed to promote smart healthcare decisions:

  • The allowance can only be used with in-network providers, which drives members to providers who offer discounts
  • The deductible gives employees a financial incentive to manage their spending as they near the end of their $500 allowance
  • Copayments ensure that members share in the cost of services during every phase; with CoverageFirst, employees are always responsible for copayments

CoverageFirst Network Options

Humana's network offerings for CoverageFirst vary by area. Your options may include:

  • Humana/ChoiceCare®Network is our nationwide PPO network; for more details, visit ChoiceCare Network
  • National POS - Open Access offers improved discounts and a network of providers that overlaps 95 percent with the national Humana/ChoiceCare Network
Offer Humana medical plans to your clients
Get Product Information

Medical

Connections Newsletter

View Now

Get the latest information and industry trends for Large Group, Small Business, Specialty Benefits, and HumanaOne. You'll find updates and administrative tips on Humana plans.

Voluntary Products

Critical Illness

Critical Illness coverage offers your employees valuable peace of mind from the rising costs of specialized healthcare, which are often not covered by ordinary health insurance