Questions about how to use the Enrollment Center
What is The Wizard?
The Wizard is a section of the Enrollment Center that helps you determine which of the benefits being offered to you may fit your needs.
For medical plans, you can view all of the benefits available to you at one time, or you can use various options to narrow your choice of plans. You also can use decision tools that help you understand your potential costs, weigh your options, and choose a plan.
If your employer offers a flexible spending account for healthcare or dependent care, the Wizard provides expense planners to help you estimate your contribution.
What types of information and services are available through the Wizard?
While working in the Wizard, you can compare benefits, view benefit summaries, search providers, and choose the benefits for which you want to enroll. The Wizard makes no decisions for you. It simply provides tools to help you decide which of the benefits offered to you may best suit your needs.
What type of information will I need before using the Enrollment Center?
You don’t need any particular information to use the Enrollment Center. All you need to do is keep your health coverage needs in mind as you review your plan options. You access the Enrollment Center from Humana's Website by using your Social Security number, date of birth, and ZIP code. Your employer may, in some cases, provide a link from your employer's own site or a third-party administrator's site.
What is the fastest way to enroll?
If you know what benefits you want to enroll in, click on the "Open Enrollment" link after you log in to the Enrollment Center, then click on "Select or waive your benefits."
Can I exit the Enrollment Center and continue later?
Yes. Select Log Out from the top of the screen. When you return to the Enrollment Center, the home page will show any selections you've made, plans you've saved, and other usage information.
Can I print Enrollment Center screens?
Many Enrollment Center screens have a "Printer Friendly Version" or "Print This Page" button on them. When using this feature, you should set your paper orientation to landscape for the best results. To print screens that do not have this feature, select File from the toolbar and then select Print.
I'm on the Review and Finish page. Why can't I submit?
You cannot submit your enrollment selections until you have either selected or waived each benefit available to you. If you see the message "You have not completed making your selections" in any of the benefit sections, select Modify to complete enrollment in that benefit.
How can I confirm that my enrollment has been saved?
You will see a screen with the message "Congratulations! You've completed your benefits enrollment." Later, you can confirm the benefits are in effect by selecting the Current Benefits tab in the Enrollment Center and then entering a date for which you would like to verify coverage.
How do I view a plan's benefit summary?
To view the benefit summary for a plan click on "Plan ID". The benefit summary for will be appear in a separate window.
What is the "Explore selected plan(s)" drop-down menu, and how do I use it?
The features in the "Explore selected plan(s)" drop-down menu appear beneath the plan display grid. The options on the menu vary depending on which benefits you are evaluating. Possible selections are:
- Save plan(s) (1-6 plans)
- Estimate my health care costs (1-6 plans)
- Estimate my costs for healthcare services (1-6 plans)
- Compare plans (2-6 plans)
- Find a physician (1 plan)
- View benefit document (1 plan)
- View a list of hospital options (1 plan)
To use any of these features:
1. Select a plan by clicking the box next to the appropriate Plan ID
2. Choose an option from the drop-down menu
3. Click go
How do I enroll in a plan while I'm in the Wizard?
Select the box or button next to the "Plan ID" choose “Enroll in the Selected Plan.”
How do I find out how much I will spend on medical care for the plan year with available plans?
You can use the Wizard to get a general idea of how much you will spend on particular plan. To use this feature, select the box next to the Plan ID, choose "Estimate My Healthcare Costs" from the "Explore selected plan(s)" drop-down menu, and click Go. You can select up to six plans at a time.
How do I save medical plans for future reference?
Select the box next to the Plan ID, then choose Save plan(s) from the Explore selected plan(s) drop-down menu, and click Go.
How do I find out what it will cost me to have a specific health care treatment or procedure with available medical plans?
You can use the Wizard to find out how much a specific treatment or procedure costs. You can also estimate your share of those costs with the medical plans you're considering. To use this feature, select the box next to the Plan ID, choose "Estimate My Costs for Healthcare Services" from the "Explore selected plan(s)" drop-down menu, and click Go. You can test up to six plans at a time. If you already have Humana coverage, you can also estimate costs with your current plan.
What are the "Compare Plans" features used for?
Use "Compare Plans" to take a closer look at plans available to you. To compare plans, select the boxes next to the Plan IDs, then choose Compare plans from the Explore selected plan(s) drop-down menu, and click Go. You can compare up to six plans at time. "Compare Plans" also shows you both the in-network and our-of-network benefits.
How do I find out if my doctor or dentist is in the network affiliated with a particular plan?
To find a medical doctor, select the box next to the Plan ID, choose Find a physician from the Explore selected plan(s) drop-down menu, and click Go. You can also select a plan and click on the Find a Physician/Hospital button on the "Medical - Select Medical Plan" page. You can search by name or geographical area. When you have completed your search, close The Physician Finder
Plus window to continue using the Enrollment Center.
To find a dentist, select the plan on the "Dental - Select Dental Plan" page (by selecting the box next to the Plan ID), and then click on the Find a Dentist button. Humana's Dentist Finder will appear in a new window. You can search by name or geographical area. When you have completed your search, close the Dentist Finder window to continue using the Enrollment Center.
You can also link directly to Physician Finder
Plus and Dentist Finder from the Humana.com home page.
How do I find the hospital options associated with a particular plan?
The benefit levels for a plan with variable hospital copayment options - for example, "$100/$250" appear under the column marked "Hospital Benefit". Select the box next to the Plan ID, choose View a list of hospital options from the Explore selected plan(s) drop-down menu, and click Go. If the plan you choose offers hospital options, you will see a document showing which hospitals in your area are Option One or Option Two hospitals.
How do I change my choice of premium and our-of-pocket costs in "Compare My Costs"?
In the "Compare My Costs" feature on "Medical - Find and Compare Plans,” you indicate the balance of premium and out-of-pocket costs with which you’re most comfortable. You can change your selection by choosing one of the other two buttons from the "Compare My Costs-Results" screen.
What is the Rx CalculatorSM?
The Rx Calculator helps you estimate prescription drug costs with the Pharmacy Benefit(s) available to you. If you have current coverage with Humana, the calculator shows you the prescription claims you (and any dependent under age 18) have on file for the current plan year. This will help you in making your decision for the coming year. For a more complete picture, you can add the medications used by other family members (like your spouse or dependents over 18) if you have that information.
How can I determine which prescription benefit is best for me?
If you are offered more than one prescription benefit, you can use the Rx Calculator to approximate your out-of-pocket costs with the different prescription benefits available. You can also learn about possible lower-cost alternatives, such as generic medications.
How do I change my coverage type?
You can change your coverage type on any screen with the Who will be covered? drop-down menu. Once you select the coverage type, the plans and information in the plan display will change to reflect your new choice.
How do I cover my dependents? Select coverage for my dependents?
First, select the appropriate coverage level in the Who will be covered? drop-down menu and choose your plan. On later screen, you can specify which dependents you would like to cover under your plan by checking the box by the dependent's name.
How do I update my dependent information?
In any screens within the Enrollment Center, click on the Modify button for that dependent.
How do I add dependents?
Click Add dependent on any of the dependent screens within the Enrollment Center.
How do I cover my new baby? New spouse?
To make coverage changes mid-year, you will need to tell your Benefits Administrator (BA) about the changes you need to make. Your BA will either make the changes for you or allow you to make changes yourself. If the BA sets up the system for you to make changes yourself, you'll need to log in to the Enrollment Center and click on the name of the event (for example: Birth or Marriage) to update your benefits.
What if I don't add my dependent now?
If you don't add dependents to your record, they will not be covered under your benefits plan at this time. You may add dependents at any time during your open enrollment. In general, you can add dependents outside of open enrollment only if you have a qualifying life event, such as marriage or birth of a child. In some cases, you may be able to enroll a dependent at another time, but the dependent would be subject to benefit waiting periods (dental), pre-existing limitations (medical), or approval of Evidence of Insurability (life). Please contact your Benefits Administrator for the specific rules for your benefit plan.
When would I need to remove a dependent?
When you enroll, you have the option of deleting a dependent's record entirely OR keeping the dependent's record, but not enrolling the dependent in applicable plans. If you see no future need to cover the dependent under your benefit plan, remove the dependent's record. If you may need to resume coverage for the dependent in the future, do not remove the dependent's record. Instead, uncheck the box next to the dependent's name to remove them from coverage at this time. Then, if you need to cover the dependent later, you can recheck the box rather than re-entering the dependent's information.
Why do I need to tell you about my previous or other coverage?
You’re asked to provide information about previous medical and dental coverage because of laws regulating benefit waiting periods for pre-existing condition limitations. These laws allow you to transfer credit for previous coverage. For example, the benefit waiting period time for a dental plan may be reduced by the number of months you were previously covered under a comparable dental and orthodontic plan. You do not need to enter previous coverage to enroll in a life insurance plan.
What if I have pre-existing conditions? What are pre-existing conditions?
A pre-existing condition is any sickness or injury that existed prior to the effective date of coverage with Humana for which the covered employee, spouse, or dependent received medical attention. Humana excludes pre-existing conditions from coverage for a length of time that is defined in the member’s contract. This time period for pre-existing conditions starts on the effective date of coverage. If the claim’s date of service is within the pre-existing time span and the diagnosis could be related to a pre-existing condition, the claim may be investigated.
A pre-existing condition does not void all insurance coverage; it limits coverage for a specific condition up to the pre-existing provision on the plan.
A member's plan is not subject to the pre-existing condition if the member had coverage immediately prior to the new plan. However, there may still be a waiting period for a pre-existing condition even if you have prior coverage. A certificate of prior coverage from the previous insurance company is evidence of prior coverage.
For more information about pre-existing conditions, contact your Benefits Administrator.
How can I view previous claim history?
Current Humana members can view previous claims in
MyHumana, the password-protected personal page on Humana.com. You can see a claims summary that gives you a high-level overview, as well as detailed claim information.
For summary information
Use the "How Much Have I Spent?" tool. This tool provides a family level summary of what you have spent to date by category (office visit copayments, inpatient hospital, etc.) If you had Humana insurance with the same employer in the prior period, you can also click on "View Prior Period" to see summary totals for the prior period.
For claim details
Members who have registered on Humana.com can view claim details on
MyHumana simply log on and look for the "Claim Details" link in the "MyClaims" panel.
When will my unused PCA funds carry over to my current account?
The date your funds carry over and which plan year expenses can be paid with these funds is determined by your plan. Check your benefit document for details.
What is an FSA grace Period?
Your plan may allow for an FSA Grace Period. During the FSA Grace Period you can use your previous plan year FSA funds for expenses incurred during the grace period. Please consult your specific plan for details surrounding the grace period.
What does Effective Date mean?
The Effective Date is the day the benefits will be in force. This is the earliest date of service for which a claim may be submitted for the plan.
How do I enroll in dental benefits?
If your employer offers dental coverage through Humana, the Enrollment Center will prompt you to select a dental plan. Simply select who you would like to cover using the Who will be covered? drop-down menu and select the plan you would like to enroll in by clicking on the button next to the plan. Once you have completed your selection, click Next to go to verify the dependents you're covering, select your primary care dentist, or continue your enrollment.
How do I enroll in vision benefits?
If your employer offers vision enrollment through Humana, the Enrollment Center will prompt you to select vision coverage. Simply select who you would like to cover using the Who will be covered? drop-down menu and select the plan you would like to enroll in by clicking on the button next to the plan. Once you've completed your selection, click Next to verify the dependents you're covering, or continue your enrollment.
How do I enroll in life benefits?
If your employer offers life insurance enrollment through Humana, the Enrollment Center will prompt you to enter your life insurance selection. As part of your life insurance selection, you may be asked to enter beneficiary information. You will need to designate primary and secondary allocations for beneficiaries. Once you've completed your selection, click Next to continue your enrollment.
How do I use the healthcare expense planner? Dependent care expense planner?
If your employer offers a flexible spending account through Humana, you can click on a planner link on the spending account page. The planner will appear in a new Internet browser window. Enter the amount you expect to spend for each category of services. Once you have the total expense amount, click on Next. You will then be able to estimate your tax savings by selecting your state and federal tax rates in the drop-down boxes. The Enrollment Center will then ask you to select your contribution for the plan year. If you would like to use this contribution amount for enrollment, click Save this amount for enrollment or Use this amount. Remember, the amount generated by the planner is only a guide.
How do I update my personal information?
The personal information on file is noted on the home page of the Enrollment Center. If the information on this page is incorrect, click on Modify Personal Information.
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