Smart results

Healthier outcomes through SmartResults

Humana offers a "guaranteed solution,”1 for 300+ self-funded groups looking for healthier outcomes and long-term control of their claims cost trend. We're so confident that SmartResults® works, we'll put 40% of our benefit-administration fees at risk.

SmartResults: a smart choice for self-funded companies

SmartResults is a bold new solution to employers' healthcare cost dilemma. SmartResults is a three-year partnered approach among Humana, brokers, employers, and employees designed to deliver healthier outcomes and long-term claims cost control.

SmartResults is currently available to self-funded accounts with 300 or more employees. Humana will put 40% of its benefit-administration fees at risk based on service and claims cost. As part of the program, Humana predicts the claims cost target to be no more than 6 to 9%, well below the 11% national average increase in health insurance premiums over the past five years.

How SmartResults works

SmartResults offers a long-term approach that:

  • Integrates with an employer's existing plan design
  • Improves health outcomes through a proven combination of engagement and intervention strategies
  • Streamlines administration using its comprehensive turn-key solution for programs, reporting, and service

Humana's financial guarantee

Humana is so confident SmartResults will work that we offer these financial guarantees. We will:

  • Put 40% of Humana's base administrative fees at risk based on per member per month total claims cost and service performance
  • Set second- and third-year trend factors as low as 6%1
  • Cap employer's administrative fee for years two and three
  • Set aggregate stop-loss trend target as low as 6%2

SmartResults®: three simple steps to lock in future savings

SmartResults® makes it easy for employers and employees. With SmartResults®:

  • Employers choose the strategy they and their employees are comfortable with
  • Employers and employees work together for employee engagement and improved health outcomes
  • Employers work with their broker and Humana to monitor their progress using a "scorecard" and reinforcing action plans as needed

Humana works to ensure SmartResults success

Humana supports employers every step of the way with:

  • Strategic relationship team to consult, develop, and oversee action plan tailored to company's needs
  • Employee communications support with newsletters and other communication vehicles
  • Tracking results with the SmartResults Scorecard through quarterly reviews and plan adjustments as needed
  1. – As low as 6% with 100% fulfillment of employer commitment.
  2. – Stop-loss guarantees are not available in Florida at this time.
Pharmacy mobile app

Why wait in line?

Humana Pharmacy offers convenience by shipping to your home. With the Humana Pharmacy App, the pharmacy is now anywhere you want it to be.

Learn more
Wellbeing in 140 characters or less

Wellbeing in 140 characters or less

Get the latest news and information.

Follow us on Twitter (link opens in new window) 
Corporate Social Responsilibility and company's commitment to healthy people, planet and performance

A healthy outlook on business

We're dedicated to making business decisions that reflect our commitment to healthy people, a healthy planet, and healthy performance.

Explore corporate social responsibility