Point of Service

Humana’s National and Regional Point of Service (POS) plans combine the cost savings of our regional HMO networks and the flexibility of a Preferred Provider Organization. Members can stay within the network and pay a lower share of the cost – or they can seek services outside the network and pay more.

We offer range of POS plan designs, including traditional and consumer-driven plans.

How a POS Plan Works

Humana’s National POS – Open Access products are filed as dual-certificate offerings. The HMO portion of the certificate supports access to Humana’s cost effective, regional HMO network. A PPO product certificate wraps the HMO certificate. This combination provides in-network access to Humana’s ChoiceCare^® network, as well as an out-of-network benefit. Check with your Humana representative to find out if the National POS plan is available in your area.

With a Regional POS plan, members also have access to both HMO and PPO in-network providers. When they receive services from in-network providers, the plan covers more of the costs. The plan’s coverage is the same for HMO and PPO providers.

National POS - Open Access plan

Plan features:

Members have access to in-network savings with more than 400,000 doctors, hospitals, pharmacies, and ancillary care providers
The plan pays benefits for covered services from out-of-network providers
The plan design does not require a primary care physician (PCP) and referrals
Both traditional plan designs and consumer-driven plans are available

Regional POS plan

Plan features:

Members have access to the HMO network for that service area
The plan pays benefits for covered services from out-of-network providers
The plan design may or may not require a primary care physician (PCP) and referrals
Traditional plan designs have copayments for most services

Available plans

Humana offers a wide array of POS plan designs for fully insured and self-funded customers of all sizes. Options include:

Consumer-Driven Health Plans (CDHP) – Available only on the National POS - Open Access plans
High Deductible Health Plans (HDHP) – Available only on the National POS - Open Access plans
Traditional copayment and coinsurance plans – Available with National POS - Open Access plans and Regional POS plans

Customers interested in efficient provider networks may want to consider a plan with Humana Preferred^SM. Humana Preferred’s network includes a subset of providers – representing all specialties and geographic areas – who have demonstrated cost-effective care. Members also have access to user-friendly transparency tools that display provider effectiveness and cost information. Check with your Humana representative to find out if Humana Preferred or Humana Preferred POS - Open Access is available in your area.

Compare Group Health Plans

Use this side-by-side chart to compare Humana's various health plans.

Physician Finder Plus

Use our online provider directory to find out if your doctor participates in Humana’s network.

MEMBER RESOURCES

Explore MyHumana

Humana members can log in to MyHumana to view secured details about their personal health plan.

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