What to look for in a health plan

You’ve done your research. You’ve compared plan types, networks and cost. Before you make your final decision, here are four final considerations about what to look for in a health plan and why.

Telemedicine access

This is a virtual appointment with a doctor that takes place by phone or online video conference from your smart phone or computer. Telemedicine doctors can treat a wide variety of non-emergent health care needs including allergies, skin rashes, cold and flu.

Telemedicine is part of Humana’s integrated care delivery model that provides healthcare services where and when patients/members need it. More than simply an option when you can’t see your regular doctor, the benefits include:

  • Indirect cost-savings for employers: When employees don't spend hours away from work to visit a doctor, absenteeism drops and in turn productivity improves. Convenience for employees: Anywhere, anytime availability eliminates travel time and related stresses – big plusses for road warriors and working parents alike.

Wellness programs

Wellness programs are widely considered a helpful way to lower and control healthcare costs, since they encourage workers to adopt healthy habits that manage weight and lower stress levels, among other things. Employee access wellness programs can also have a positive impact on productivity. Humana’s three-year study of its Go365 wellness program revealed a clear correlation between program participation and fewer unscheduled work absences. 1

Humana’s insurance plans for small companies include access to the Go365 wellness program at no additional cost, and companies can earn a 15% credit when employees engage in the wellness program.

Pharmacy coverage

Specific pharmacy benefits will depend on a specific health plan, but as you’re comparing plans take time to understand how the plan(s) you’re considering covers prescriptions. Also look for a plan that offers access to both retail and mail delivery pharmacies.

  • Retail locations: Convenient for one-time prescriptions such as for antibiotics for an ear infection.
  • Mail delivery, such as Humana Pharmacy®: Can be a cost-effective option for members who rely on daily prescription medication to manage chronic conditions, such as diabetes or high blood pressure.

Learn more about the 3 primary types of pharmacy plans.

Customer satisfaction

Factor in customer ratings for the insurance company you’re considering. The American Customer Satisfaction Index (ACSI) offers insight into actual customer sentiment about elements such as access to care, claims processing timelines, website experience and call center support. You can view the most recent ACSI report here (link opens in new window)

Finally, check the insurer’s financial health. The more financially stable a company is, the less likely it may be to fail or be unable to pay for claims. Ratings agencies such as A.M. Best, Fitch, Moody's and Standard & Poor's offer carrier ratings for all insurance companies.

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