Your health plan may cover any travel-related expenses. Please call a member of Humana’s Transplant Services team at 1-866-421-5663. A benefits specialist can go over the details with you.
No. 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:
FDA
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. Learn Dental Plans more about individual dental insurance
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:
- An HDHP with a higher deductible may cost you less in premiums.
- When you're covered by a qualified HDHP and you're not covered by any other health insurance plan or claimed as a dependent on someone else's tax return you can put money in a Health Savings Account (HSA). The HSA allows you to use tax-advantaged1 savings to help pay your deductible and other qualified medical expenses, so your money goes farther.
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.
These bills are normally paid through the recipient's plan. To discover exactly what your plan covers, please call a benefits specialist on Humana’s Transplant Services team at 1-866-421-5663.
Your plan may cover any medications you need to take during the transplant process. Call a benefits specialist at 1-866-421-5663 for details about your plan’s coverage.
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 AMA
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 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:
- Use the search predictions and recommended results that appear as you type in your search term.
- Try a simple search term first. Then add descriptive words if needed.
- Don’t fret over spelling, punctuation or capitalization.
- Refine your search results using the filters provided on the left side of the search results page.
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:
FDA
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.
HumanaOne 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.
Just call a member of the Transplant Services team at 1-866-421-5663.
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:
- Withdrawn (if you cancel the policy)
- Annuitized and paid out as a monthly income (if you cancel the policy)
- Borrowed against as a loan
- Used to purchase extended term or reduced paid-up insurance
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 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:
- 25% of policy in first year
- 50% in second year
- 75% in third year
- 100% if you do not need a payout until year four or beyond
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.
It’s hard to make a generalization since it depends on the health plan you have. To find out which transplants are covered under your health plan, call Humana's Transplant Services at 1-866-421-5663.
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.
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.
For transplant-related billing questions, please call 1-866-421-5663.
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:
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).
Source:
FDA
Unlike 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.
