No. Both brand-name and generic drug factories must meet the same standards of manufacturing. The U.S. Food and Drug Administration (FDA) conducts about 3,500 inspections a year to guarantee that companies meet these high standards. In fact, brand-name firms are linked to an estimated 50 percent of all generic drugs. They frequently make copies of their own or other brand-name drugs, and sell them under a generic or store-name label.
Yes. The U.S. Food and Drug Administration (FDA) requires that all drugs be safe and effective. Generics use the same active ingredients and are shown to work the same way to cure, treat, or prevent your illness or health condition. So they have the same quality, strength, and purity as their brand-name counterparts.
Yes, the U.S. Food and Drug Administration (FDA) must approve every ingredient (including inert, or non-active, ones) that goes into medicine. Sometimes a generic manufacturer must change one or more of these non-active ingredients — which include flavoring, color, and preservatives — because the brand-name company has patented the preparation of the specific drug. Changing the inert ingredients doesn’t affect the effectiveness of the drug, since the generic manufacturer must show the FDA that the active ingredient — the one that treats or prevents your disease or health condition — still gets into your body at the same strength and rate as the brand-name drug.
You can change your selections at any time during the enrollment period specified by your employer. Your selections are final once the enrollment period ends. To make changes to your selections during the enrollment period, simply return to the Enrollment Center and submit new selections.
No. The government gives a company the exclusive right to make and sell a drug for a set time period (usually 20 years after the company filed a patent for the drug). That way, the original manufacturer can gain back the money it spent to research, develop, and market the drug. When the patent expires, other companies can make and sell a generic version. But they can only do this after the generic drug has been thoroughly tested by the manufacturer and approved by the U.S. Food and Drug Administration (FDA).
If you're enrolling in a medical plan, decision-making tools include a look at the plan that's "Closest to your Current Plan" and gives you access to a detailed comparison of plans. A Detailed Comparison will review up to three plans. By answering some financial questions, you can also get help with "My Estimated Expenses." This tool asks a few questions about previous and anticipated expenses, then populates a graphic showing the estimated expenses for each plan. Estimates will use your current coverage information — such as dependents — when estimating.
To find a doctor, go to the medical plan page and click on the Detailed Comparison. You can access Physician Finder under the provider section. You can also link directly to Physician Finder Plus from the Humana.com home page.
Go to the medical plan page and click on the Detailed Comparison — you can choose up to three plans, click on the Detailed Comparison button to see a more detailed comparison of those three plans. The benefit levels for a plan with variable hospital copayment options - for example, "$100/$250" — appear under the column marked "Hospital Benefit."
At the end of your enrollment, the final confirmation page gives you the opportunity to enroll in MyHumana, your secure website on Humana.com that provides all the information you need to know throughout the year about your benefits. Your registration is activated when you get your member ID card, which has a Member ID number.
To register for MyHumana later, go to Humana.com and select "register" in the sign-in box. You'll need the following information:
If you're currently a Humana plan member and are registered for MyHumana, you can sign in to MyHumana and look for a link for the enrollment center.
If you're not registered to use MyHumana, go to Humana.com and choose “Insurance Through Employer,” then look for the link to the Enrollment Center. You can 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.
You'll see a screen with the message "Congratulations! You've successfully enrolled. Now sign up for MyHumana. You can print a copy of your enrollment summary. Once we process your enrollment, Humana will send your ID cards. You can also download and print proof of coverage on Humana.com. We're glad to have you as a member and look forward to serving you."
If you're offered more than one prescription benefit, you can use the Rx Calculator to estimate your out-of-pocket costs with the different prescription benefits available. You can also learn about possible lower-cost alternatives, such as generic medications.
It’s easy. You can find calculators on the tools and resources page. You can also find calculators in the Enrollment Center if your employer has chosen to offer you the option of opening up a flexible spending account. Or just decide what you want to put in your flexible spending account without using the calculator. Whatever choice you make will be good for your budget — and your health.
While you’re enrolling online, you can check out the definitions of certain terms by holding your cursor over those words marked by a question mark. Or visit the healthcare Healthcare Glossary (A-Z) glossary to find even more medical-coverage terms and their meanings.
It’s easy to research all your options before making your final choice. Go to the Enrollment Guide. Select the plans you’re interested in by clicking the check boxes to the left of the plans. Then click on the Detailed Comparison button to learn the plan’s prices, copays, deductibles, and pharmacy plan information. Plus, you can find out which type of spending account(s) you're eligible for with each plan. You can also use the Physician Finder Plus and the Rx Calculator tools from here. When you’ve made up your mind, you can select the plan you want by clicking the Add to Cart button.
Different colors for each product choice — and coordinating icons — let you choose the section you want and inform you about where you are in the Enrollment Center. When you finish one section, you'll automatically move on to the next, so you'll never wonder where to go next.
Depending on your employer, the Enrollment home page provides a number of options.
Open Enrollment effective date and completion date — The Start button to begin enrollment is located here.
Manage Current Benefits — The option to view your current benefits will be available if you're a current Humana member.
The Life Events listing— Depending on your employer's rules, you may be using the Enrollment Center to make updates to your benefits when you have a life-changing event — like marriage or the birth of a child. You'll begin that process by selecting links to display in this section.
The American Medical Association (AMA), the largest organization of medical doctors, has stated that generic drugs are perfectly acceptable to use. Most hospitals routinely use generic drugs to treat their patients.
We review hospital programs based on a series of guidelines established by our Facility Selection Steering Committee. The hospital has to meet a list of standards, including outcomes and the number of transplants performed, before it becomes part of the network. In addition, a hospital has to be certified by Medicare, too.
To make coverage changes mid-year, you'll need to tell your Benefits Administrator (BA) about the changes you want 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 sign in to the Enrollment Center and click on the name of the event (for example: Birth or Marriage) under the life events section.
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 "Who will be covered" from your list of dependents. Select the plan you would like to enroll in by clicking "Add to cart." Once you've completed your selection, click "Next" to go to verify the dependents you're covering and review your coverage details. Then go to the next section to continue your enrollment.
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'll need to designate primary and secondary allocations for beneficiaries. Once you've completed your selection, go to the next section to continue your enrollment.
If your employer offers vision coverage through Humana, the Enrollment Center will prompt you to select a vision plan. Simply select who you would like to cover using "Who will be covered" from your list of dependents. Select the plan you would like to enroll in by clicking "add to cart." Once you have completed your selection, click "Next" to verify the dependents you're covering and review your coverage details. Then go to the next section to continue your enrollment.
It’s a great idea to register for your secure website so you can get the most out of your health plan. After you’ve enrolled in a plan with our Online Enrollment Center, you’ll have a chance to register for MyHumana when you get to the final confirmation page. Once you get your Humana ID card, your registration will be activated.
It’s OK to wait to register for MyHumana, too. Just click on the green “Sign in or Register” button on the top right-hand corner of our website. You’ll need your member ID number, date of birth, ZIP code, and email address to register.
In the United States, trademark laws don’t allow a generic drug to look exactly like the brand-name drug. A generic drug must have the same active ingredients as a brand-name drug — in other words, the same chemical substances that prevent or treat a disease or medical condition. But the shape, colors, flavors and other inactive ingredients may be different.
To help you lower your medical bills, a member of Humana’s Transplant Services team will work with you and your doctor to select an in-network hospital that best fits your needs. For information about the hospitals in the National Transplant Network, call Humana's Transplant Services at 1-866-421-5663.
Most employer groups enroll using print applications. If your employer group has chosen to enroll online with Humana's Online Enrollment Center, use the link and the ID your employer gave you. If you don't have an ID — but your group is scheduled to enroll online — use your Social Security number.
You cannot submit your enrollment selections until you have either selected or waived each benefit available to you. If you see this message — "The following items require your attention" — under the enrollment cart banner, select or waive to complete enrollment in that benefit.
Losing your job can be difficult, but Humana can help you through this tough time. Call the Customer Service department to speak to a specialist who can guide you through your options. You can continue on your employer’s group plan by paying for the coverage yourself or find another plan that may be more affordable. You can also explore the choices by going to Humana’s individual and family health plans.
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 had 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.
My Benefits Planner is a stand-alone decision-making tool that your employer may choose to use if your enrollment is not online through the Online Enrollment Center. The tools you see are dependent on the health benefits options available to you through your employer. After you've used the tools you need, you'll receive a summary of all the tool results to help guide you in making your choices.
Humana's online enrollment experience makes enrolling in your benefits quick and easy. The Enrollment Center helps you determine which of the benefits offered to you 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-making 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 tools provide expense calculators to help you plan your contribution.
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.
The decision-making tools help you compare benefits, view benefit summaries, search providers, and choose the benefits for which you want to enroll. The Enrollment Center makes no decisions for you. It simply provides tools to help you decide which of the benefits offered best suit your needs.
Generic drugs are almost the same as brand-name drugs. They have the same active ingredients — the chemical substances that treat or prevent an illness or health condition. They’re also used for the same condition or illness, come in the same strength, and have identical dosage recommendations. They are also held to the same safety standards. So how are generic drugs different? Their inactive ingredients — like flavorings, colors, and preservatives — are usually different from brand-name drugs.
If you don't add dependents to your record, they won't be covered under your benefits plan at this time. You may add dependents at any time during your annual 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.
Before you get a transplant, you need to be evaluated by the transplant program’s doctor to see if there are any potential problems. The evaluation consists of consultations, screening tests, and X-rays for you and the potential donor. A transplant nurse will work with you to set up a referral and coordinate appointments and tests. To talk to a nurse, call 1-866-421-5663.
There are many ways to get the most out of your Humana health plan — and keep everyone on it healthy. The best way to do that is to register for *My*Humana and use it to:
-Find in-network doctors, drugstores, and hospitals
-Get started with HumanaVitality® (if the program’s included in your plan), a program that rewards you when you make healthy choices
-Check your claims -Get estimated costs of medical procedures
-Figure out your healthcare costs over the year
-Set up and update your personal health record
-Read up on medical conditions
Among other things, the transplant nurse helps coordinate your evaluation, tests, and specialists; explains your benefits; and helps with any other transplant issues you may have. The nurse will work with you from the time you’re approved for a transplant until a year after you’ve had your surgery.
Humana's National Transplant Network offers services for all solid organ transplants — organs like the heart, kidneys, pancreas, and liver — and stem cell transplants that are covered under your health plan.
During the plan year, you can change your benefit coverage if a qualified event affects your or your dependents' eligibility — such as marriage, birth, adoption of a child, or change in employment status. Contact your Benefits Administrator for the specific rules for your plan.
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. Click on the delete box at the top of the dependents name in the Dependent section of Personal Information.
If your child needs a transplant, call Humana's Transplant Services at 1-866-421-5663. Someone on the team will help you find the right hospital. You can also see a list of children’s hospitals by going to Transplant Services.
You and your doctor will pick the hospital in Humana’s National Transplant Network that’s best for you. Since there are hundreds of hospitals across the country in the network, finding the right one won’t be difficult.
You can cover a spouse, child, or other family member as a dependent on your plan as long as the family member qualifies according to Internal Revenue Service rules. For additional information, look up the definition for "dependents" in your Benefit Plan Document.
In general, an eligible dependent is the covered employee's:
Unmarried, blood-related child, stepchild, legally adopted child, or child for which the employee has legal guardianship whose age is less than the limiting age
Child whose age is less than the limiting age and who is entitled to coverage under the provisions of the plan because of a medical child support order
Grandchild, as long as the employee's covered dependent, who is the parent of the grandchild, qualifies as a dependent of the employee
Special rules apply for dependents who are mentally and physically disabled or otherwise incapable of taking care of themselves. See your Plan Benefit Document for details.
The guidelines for full-time student coverage vary by plan and by state. Check your Benefit Plan Document for the specifics of your coverage. In general, to remain on your coverage an unmarried child aged 19 to 25 must be in active, full-time attendance (usually 12 units/credits) at an accredited learning institution such as:
A vocational or high school supported or operated by local, state, or federal government
A state university, college, or community college
A licensed private school, college, or university
Other common requirements for full-time student status include:
The school must be accredited in the state in which the school is located
The student must be enrolled in a degree or diploma program
The student must not be employed on a regular full-time basis
The student must not be covered under any employee group insurance or prepayment plan other than either parent's group coverage
The member must supply at least 50 percent of the student's support, and the student must be an eligible dependent of the member
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.
Generic drugs are usually 30% to 75% less expensive because the companies spend much less on research and advertising costs than brand-name drug companies do. That means they can pass these lower costs on to you. Plus, once generic drugs receive approval from the U.S. Food and Drug Administration (FDA), there is greater competition, which also keeps the price down. Today, almost half of all prescriptions are filled with generic drugs, according to the FDA.
Manufacturers of brand-name drugs usually receive patent protection after spending the time and money to research and develop a drug. That protection prevents other companies from making and selling their own version of the drug until the patent expires, which may take up to 20 years. After a patent expires, other companies can create and market their own version of a brand-name drug (based on the process described in the patent) if they receive approval by the U.S. Food and Drug Administration (FDA).
Cost sharing is the amount of money you pay out of your own pocket for medical care or prescription drugs. Understanding how cost sharing works may help you save money. Your “cost share” may include:
Your copayment – the flat amount you pay to a healthcare provider or pharmacy at the time of service, based on your plan and the services you receive
Your deductible – the amount that you pay toward certain healthcare expenses before your plan starts paying a share of the costs
Your coinsurance – a percentage of the charges you may owe for services you receive once you’ve met your plan’s deductible
One simple way to save on your cost share is by making sure you get care from providers who are in your plan’s network. With most plans, your cost share will be higher if you use an out-of-network provider. And remember that your doctor is just one of your care providers. If your doctor refers you to a specialist or other care provider, check to be sure that they are in your plan’s network, as well. You can do this online at Humana.com/PhysicianFinder, or call your doctor’s office directly to be sure they’ve referred you to someone in your plan’s network.
You may be able to save on your cost share at the pharmacy, as well. If your doctor prescribes a drug, ask if a generic version with a lower copayment is available.
Knowing where to go for care when your doctor isn’t available can help you save, as well. For example, a visit to an urgent care center will usually cost less than a visit to an emergency room. And an emergency room visit to a hospital in your plan’s network will cost less than a visit to an out-of-network hospital. So your share of the cost will be lower, as well, in both of those cases.
The best time to find an emergency room in your plan’s network is before you need one! Most plans cover emergency room care for true emergencies regardless of whether it’s in or out of your plan’s network. But if you need to be admitted to the hospital for further treatment or need after-treatment care, your share of the cost will be lower at a hospital in your plan’s network.
Finally, know your plan and what it covers. One of the easiest ways to do this is to register for a secure, online account at MyHumana.com. That way, you can access your personal plan information anytime you need it.
The Affordable Care Act requires that health insurance plans cover 100 percent of certain preventive screenings and activities, at no cost to the member. Some examples include flu shots, screening mammography, prostate cancer screening tests, and colorectal cancer screening. So, for example, if you’re over 50, you’ve never had a colorectal cancer screening, and your doctor recommends a preventive colonoscopy, the cost will be covered completely by your plan as a preventive test. Check with your plan to see if the provider who conducts the screening must also be in your plan’s network.
On the other hand, if you visit your doctor because you’ve been having abdominal pains or a change in bowel habits, your doctor may order a colonoscopy to find a cause for your symptoms. In that case, the colonoscopy would be a diagnostic test, subject to any cost sharing (such as copays, deductibles and coinsurance) required by your health plan, even if you would be eligible for a free preventive screening if you had no symptoms.
For security reasons, you’ll need to reset it — and that’s easy to do. Click on the Forgot Username/Password link in any of the sign-in boxes on the site. Or you can change it from here by following these steps:
Choose “Humana Member” as your user type, and then enter your member ID number. You’ll find your ID number on the right-hand side of your Humana card. Sometimes it goes by other names: Subscriber ID, Sub ID, ID, or ID #.
Next, pick a password-reset option so we can send you a temporary password. You can receive your temporary password:
By text message on your cell phone
By answering the security question you set up when you registered for the site
Follow the prompts based on what you picked for the password reset. If you need to, you can add your email or cell phone information in the My Profile section of the MyHumana site.
Choose “Humana Member” as your user type. Then pick the “I don’t know my username” option. To help us identify you, you’ll also need to fill in some information — your first and last name, ZIP code, date of birth, and member ID number.
Not sure where to find your member ID number? Look on the right-hand side of your Humana ID card. It sometimes goes by these other names: Subscriber ID, Sub ID, ID, or ID#.