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Learn more about our Individual & Family plans with these answers to frequently asked questions.
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You won’t qualify for coverage if you’ve ever been medically diagnosed as having or been treated by a doctor for internal cancer, melanoma, leukemia, Hodgkin’s disease, malignant growth, Acquired Immune Deficiency Syndrome (AIDS), AIDS Related Complex, or tested positive for the Human Immunodeficiency Virus (HIV).
No. Benefits for this cancer insurance policy are paid to the policyholder or their designee separate from any other insurance.
This cancer insurance policy only pays benefits for a first diagnosis of cancer in an internal organ — for example, cancer of the breast, lung, or liver. The only skin cancer covered is malignant melanoma. All other skin cancers aren’t covered.
The proposed insured must to be a U.S. citizen and at the time of application reside in a state where the Memorial Fund is approved for sale.
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.
Source: FDAYes. 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.
Source: FDAYes, 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.
Source: Generic Pharmaceutical AssociationYes, grandparents may purchase this coverage fro their grandchildren who live in another state as long as the product is approved for sale in the grandchild’s state. In addition, if the plan is sold by an agent, the agent will need to be licensed in the state where the application is completed and also where the proposed insured lives..
Yes. There are no job- or military-related exclusions for the product.
With many of our plans, you will receive the most savings from your plan when visiting an in-network provider, but you're still partially covered if you choose to visit an out-of-network provider (limitations may apply). See if your doctor is in Humana's network with our physician finder tool.
You can receive cash value by canceling the policy or borrowing against the policy.
Yes. There are no job- or military-related exclusions for Memorial Fund.
No. The Cash Cancer Plan provides the full benefits for all covered family members. Each individual has coverage at the benefit amount selected at the time of purchase.
No. Enrollment isn’t dependent on current or future employment. As long as you pay your premiums on time, coverage will continue until you have a covered expence.
Yes, Humana provides individual dental insurance that is independent of a Humana health insurance plan through HumanaOne Dental. However, Humana also provides individual dental insurance that is independent of a Humana health insurance plan through HumanaOne Dental.
Yes. Our life insurance for children is available only to U.S. citizens and resident legal aliens.
Yes, Humana offers a wide variety of health insurance plans. If your needs change, you can apply for another HumanaOne product.
No. Benefits are payable as soon as the policy is effective.
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).
Source: FDANo. The law does not mean that you're now covered under a free government health plan. Such a change isn't part of healthcare reform.
The law has provisions designed to help low- and moderate-income people afford healthcare. Under the law, in 2014, premium assistance for uninsured people with incomes between 133 and 400 percent of the federal poverty level will be available for plans purchased through new, public exchanges. The amount of help will depend on your income. The lower your income, the more help you can expect.
Also in 2014, states have the option to expand Medicaid to cover people with annual incomes at or below 133 percent of the federal poverty level. That's $30,656 for a family of four, based on the 2012 guidelines. If your state chooses to do so, and you think you qualify, the agency that oversees Medicaid in your state likely can give you more information.
As always, you should carefully evaluate your personal situation and insurance options before making any decisions about your healthcare coverage. Only you can make sure you have the healthcare coverage you and your family need and want.
No. Generic drugs are made to work in the same way and in the same amount of time as brand-name drugs.
Source: FDAYes, Humana provides individual dental insurance that is independent of a Humana health insurance plan through HumanaOne-Dental.. However, Humana also provides individual dental insurance that is independent of a Humana health insurance plan through HumanaOne Dental. Learn Dental Plans more about individual dental insurance
It depends on the type of plan you choose.
This critical illness policy pays benefits directly to you or your designee. When you apply, you can note whether your designee is your spouse or someone else. You can change your beneficiary designation anytime.
We provide convenient access to banking partners who can help you establish your HSA. Of course, if your own financial institution offers an HSA, you may use theirs.
Will HumanaOne Health Savings Account plans pay benefits if I need medical care in another city?
Many of our plans have a large network, so you'll more than likely be able to access in-network services across the continental United States.
If you no longer need coverage, and you pay via EFT or credit card, you are responsible for canceling your plan at least five days before the next billing cycle begins. If you pay by coupon, simply stop sending payment. The application fee is non-refundable.
These plans meet the IRS definition of a High Deductible Health Plan (HDHP). Choosing a qualified HDHP may save you money in two ways:
1-Alabama do not allow tax deductions for HSA contributions. Contact your local tax advisor for details or visit www.irs.gov.
If you continue to pay your premiums (with no lapse in coverage) and don’t file a claim, after 20 years you’ll receive a full refund of all premiums paid. For instance, if you purchase the policy at age 30 and don’t file any claims, when you turn 50 you’ll receive a refund of all premiums paid for your critical illness policy. Then, the benefit repeats for the next 20 years or until age 70.
Medical insurance reimburses the insured, or provider, for covered and approved medical services, procedures, equipment, and prescription drugs. The Cash Cancer Plan pays an immediate one-time, lump-sum payment directly to the insured upon initial diagnosis of a covered cancer. The cancer insurance policy benefit can be used for any purpose.
When first diagnosed with invasive cancer or malignant melanoma, submit a claim form with the required diagnosis information. Once we receive all required information, we issue a check to you or your designee — usually within a week. This check is a one-time, lump-sum payment. The benefit can be used for any purpose the insured or designee chooses.
These plans offer a wide variety of choices in deductibles, coverage for preventive services and prescription drug benefits, so they may fit both your needs and your budget.
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.
Source AMATo search Humana.com, simply type the term you are looking for in the search box and press the search button. If you aren’t finding the results you need, try these tips to improve your results:
A provision of healthcare reform allows adult children to stay on their parents' plan until their 26th birthday. This provision took effect on September 23, 2010. Adult children can stay on their parents' HumanaOne medical plan until age 31 if coverage isn't available through their job and they aren't married. If the adult child is married, coverage will be available until they reach at least their 26th birthday. In some states, married children can remain on their parents' policy past their 26th birthday. If you have questions about your state, call Customer Care at the toll-free number on the back of your Humana ID card.
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.
Source: FDAHumanaOne plans will cover adult children up until they reach at least their 26th birthday, as required by healthcare reform. In some states, adult children can be covered by their parents' HumanaOne policy beyond their 26th birthday. Like all applicants for a new policy, the adult child's health history would be reviewed. Humana needs to determine if they qualify for coverage.
This life insurance for children is available for individuals from the ages of 0 to 24.
On your application, answer just a few health questions about the child or children you want to cover. We don’t require a medical exam, doctor’s office visit, or lengthy phone interview.
The application for this life insurance coverage has eight health questions. How you answer these questions determines whether you’re eligible for the plan and which type you’re eligible for — Immediate Benefit or Graded Benefit. No lengthy telephone interview is required.
If policy loans exist on a policy at the time of your death, the loan balance will be deducted from the death benefit proceeds before being paid to the beneficiary.
You save money. Humana gets discounts from these medical providers and we pass these savings on to you.
If you submit the premium with the application, conditional coverage begins on the date of the application. Otherwise, coverage begins on the effective date of the policy. For an application to be considered in-force, the premium must be submitted with the application.
Unlike term life insurance, whole life insurance has a cash value. This cash value is guaranteed for life. Here are some examples of the how the policy's accumulated cash value can be used:
You can pay your critical illness policy premiums one month at a time, semi-annually, or annually. Payment methods include bank draft, credit card, or direct bill/check (annual billing only). In some states, a $12 annual fee applies to credit card billing.
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.
Source: FDA
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.
The best source of information is always the source you trust — your doctor or pharmacist. For the latest information, visit the U.S. Food and Drug Administration.
The Immediate Benefit is a "level benefit" policy. That means 100% of the benefit is available upon issue of the policy. The Graded Benefit is for individuals with a few health problems. The Graded Benefit pays out:
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.
If your health plan covers organ and stem cell transplants, you can take advantage of Humana’s wide variety of transplant services. Trained benefit specialists can guide you through the billing process, while nurses can coordinate your care and help you with referrals. Call Humana's Transplant Services at 1-866-421-5663 or go to Transplant Services to find out more.
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.
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.
Parents (natural and step), grandparents, great-grandparents, and legal guardians. Note: aunts and uncles aren’t considered as having insurable interest for nieces and nephews. Aunts and uncles can apply for nieces and nephews only if they have legal guardianship of the child.
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.
Source: FDAManufacturers 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).
Source: FDAUnlike group medical coverage, individual health insurance is based on a thorough review of your health history to determine if applicants are sufficiently healthy to qualify for coverage.
If an offer of coverage is extended, certain medical conditions may be excluded or an additional premium could be required. In addition, not everyone qualifies for individual health insurance. People who have been diagnosed with certain conditions may be denied coverage. Coverage may also be denied to individuals who are severely obese, severely underweight, or who are undergoing or awaiting the results of diagnostic tests, treatments, surgery, biopsies, or lab work. In addition, coverage cannot be provided to expectant parents (male or female) or children younger than two months old.
Premiums are intended to be level throughout the life of the cancer insurance policy. Premiums will increase only if the premiums for all policies in that state are increased. Any such increase must be approved by the appropriate state authority.
Many of our plans have a large network, so you'll more than likely be able to access in-network services across the continental United States.
Many of our plans have a large network, so you'll more than likely be able to access in-network services across the continental United States, depending on network.