Humana Simplicity

Humana Simplicity

A copayment-only plan that’s easy to use and afford

At Humana, we don't think a medical plan has to be hard to understand — or pay for. That's why we developed Humana Simplicity. It offers your employees outstanding medical coverage at a price they can afford. When they use in-network healthcare services, they pay no deductible, just a copayment. That makes this plan easier for you to administer.

HMO, PPO, and POS plan designs

Choose from health maintenance organization (HMO), preferred provider organization (PPO), or National Point-of-Service (POS) plan designs for your members.

  • HMO offers a large network and lower premiums
  • PPO offers more flexibility in choosing providers without referrals
  • POS helps members save when they stay in network

Tiered copayment options

Choose from one of three standard copayment structures for your employees. All copayments, except pharmacy, count toward maximum out-of-pocket expenses.

  • No deductibles to track
  • In-network providers save members money


HumanaVitality® is included with Humana Simplicity plans. This wellness program is tailored to each person's unique health status. Small changes in everyday life can add up to healthy long-term rewards for your employees.

  • Vitality Points are awarded for verified activities
  • Turns employees’ recommended goals and supporting activities into tangible rewards
  • Simple and straight-forward for your company
A commitment to moving healthcare forward

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Make healthy living more rewarding

Make healthy living more rewarding

It’s easy when employees earn points and set goals through HumanaVitality.®

Learn more about HumanaVitality
Get the guide to benefits administration

Get the guide to benefits administration

Our guide for 100+ group Benefits Administrators provides in-depth information about plan implementation, administration, and claims.

Download the Employer Reference Guide