Health Maintenance Organization

A Health Maintenance Organization (HMO) plan offers predictible out-of-pocket costs for members, as well as the opportunity to work one-on-one with a personal doctor.

Covered members choose a primary care physician (PCP) who tends to their health needs. When necessary, the PCP refers the member to other in-network providers.

How HMOs Work

The member builds a relationship with the PCP and seeks the PCP’s guidance when specialists are needed.
Referrals to specialists may be required.
For most services, the plan pays 100 percent – other than copayments – as long as the provider is in the network.
Services from out-of-network providers are covered only in emergency situations or when Humana has given prior authorization.

Compare 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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