Health Savings Account (HSA)

High Deductible Health Plan (HDHP)

Humana’s High Deductible Health Plan (HDHP) products feature low premiums and an integrated deductible for both medical and pharmacy costs. Humana’s HDHPs are compatible with a Health Savings Account (HSA), giving plan members the opportunity to set aside tax-free money for current-year health expenses and build savings.

Why Offer Humana’s HDHP?

  • Lower premiums than most traditional health plans
  • Choice of several plan designs, all with deductibles and out-of-pocket maximum amounts in compliance with IRS guidelines for HSA-compatible plans
  • Ability to adjust employee premium levels to meet cost-sharing objectives
  • Simple deductible/coinsurance benefit design
  • Health Savings Account compatibility
  • Easy setup; Humana oversees administration of both the plan and the HSA, which is managed by our banking partner, UMB

HDHP Network Options

Humana’s network offerings for HDHPs vary by area. Your clients’ 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
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Medical

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