Get healthcare costs under control

Humana offers a range of medical plans available through employers. It's all about finding what works best for your needs.

  • Health Savings Account (HSA).

    Medical Plans

    High Deductible Health Plan (HDHP)

    This plan is compatible with the Health Savings Account (HSA).

    • Low premiums and an integrated deductible for medical and pharmacy costs.

    • Pair with a Health Savings Account (HSA) to set aside tax-free money.

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  • Healthcare spending account plan.

    Medical Plans

    PCA Plan

    This plan combines a health plan with a healthcare spending account.

    • One of three low-premium, high-deductible plans.

    • PCA plans typically don't require copayments for medical expenses.

    Product Details
  • Catastrophic healthcare coverage.

    Medical Plans

    CoverageFirst

    This plan combines catastrophic coverage with a benefit allowance.

    • Ideal for health plan members who have claims at or below $500 a year.

    • Each covered member has a separate allowance.

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  • Discounts for using in-network providers.

    Medical Plans

    Preferred Provider Organization (PPO)

    This health plan offers discounts for using in-network providers.

    • You can choose any provider. But if you “step outside the network,” your copayment, deductible, and coinsurance costs will be higher.

    • Gives coverage for out-of-network providers and doesn't require referrals.

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  • Emphasizes Primary care physician care.

    Medical Plans

    Health Maintenance Organization (HMO)

    This plan emphasizes your relationship with a primary care physician.

    • Choose a primary care physician (PCP) from Humana's network.

    • A good choice if you are willing to use certain providers in exchange for lower out-of-pocket costs.

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  • Out-of-network provider coverage.

    Medical Plans

    Point of Service (POS)

    This plan is similar to an HMO, but you use out-of-network providers.

    • You can reduce out-of-pocket costs by choosing providers in the network.

    • POS plans can be "traditional" or "consumer-driven."

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  • Traditional indemnity plan with no provider network.

    Medical Plans

    Humana Classic

    This traditional indemnity plan has no provider network.

    • Choose any healthcare provider. No referrals necessary to see a specialist.

    • Out-of-pocket costs may include copayments, a deductible, or coinsurance.

    Product Details