CoverageFirst^SM

How it works

The plan pays the first $500 of eligible expenses from in-network providers. You just pay a copayment, and then the plan picks up the rest. Each covered member has a separate allowance.

If you use the entire $500, you pay most additional expenses until you meet the annual deductible. Once you meet the deductible, the plan starts paying a percentage of your costs. If you reach the out-of-pocket maximum, the plan picks up 100 percent of your costs - other than copayments for covered services from in-network doctors and hospitals.

Plan tools

• MyHumana tools
• MyHumana mobile
• Printable Humana ID card
• Preauthorization and Notification Lists

Instead of meeting a deductible right away, you get a $500 allowance that pays for your basic healthcare services. For many people, that's all they need in a year. Here's how it works:

• CoverageFirst pays your first $500 of healthcare costs - except for your copayments - before you start paying toward a deductible, as long as the costs are for covered services from in-network providers.
• Once the allowance is spent, you have a deductible to meet.
• After you meet the deductible, you and Humana share in the cost of most additional eligible medical expenses until you've met an annual out-of-pocket maximum amount.
• You pay nothing for preventive care office visits, even after your $500 is gone; copayments don't count toward the deductible or out-of-pocket maximum, and you can't use the $500 allowance to cover copayments.
• The plan includes a "safety net" - an out-of-pocket maximum to limit your costs in case of a serious illness or injury.
• Premiums are generally lower than those of many other plans.

How it works example - single coverage

Lynn chooses a CoverageFirst plan with:

• $500 allowance
• $3,000 deductible
• 100 percent coinsurance (in-network)

Lynn goes to the doctor and finds out she has to have some moles removed from her back. Lynn's minor surgery takes place in the doctor's office.

• Doctor's office visit .....$50 (Lynn pays a $25 copayment)
• Outpatient surgery .....$400 (Lynn pays a $40 copayment)

How Lynn uses CoverageFirst

• Total cost of medical services .....$450
• Deduct Lynn's total copayments .....(-$65)
• Remaining cost of medical services .....$385

Summary

CoverageFirst pays the remaining $385. Lynn now has $115 remaining in her CoverageFirst allowance. She has not yet paid anything toward her deductible.

MyHumana tools

Visit your secure Website on Humana.com to:

• Find out how much of your CoverageFirst allowance is left
• View details about your plan benefits and claims
• Order a replacement ID card
• Use Humana's MyChoice Tools ^SM to estimate costs for procedures

To access these tools and more, Log in to MyHumana. If you haven't signed up for your secure Website yet, Register for MyHumana today.

MyHumana Mobile

Humana's mobile resources are designed to support the on-the-go needs of consumers and empower healthcare decisions at the point of service. Resources featured in MyHumana Mobile include: an urgent care finder, a spending account balance viewer, and ID card details. Use your existing MyHumana login to access the resources on your mobile device's browser.

Learn more about MyHumana Mobile

Printable Humana ID card

To get printable proof of your Humana coverage, simply fill out the online form in our Humana ID Card Viewer