Programs and Funding Arrangements

Help lower your company’s financial risks when you self-fund. Get the most out of your fully or partially self-funded plans. Humana gives you access to many tools to help you minimize risk, as well as manage claims, benefits, and coverage questions.

Level-Funded Premium

Self-fund more easily with Level-Funded Premium plans. Fixed monthly payments give you consistent, easy-to-budget costs and increase cash flow.

    • Payments include administrative fees, stop-loss premium, and claims funding
    • Rebates or rate credits available
    • Detailed monthly reports


At Humana, we’re confident that our cost control solutions and engaging employee options really work. When you combine these two with SmartSuite, you can earn rate credits of up to 5%.

    • Commit to six base requirements
    • Add three behavior modification options
    • Save even more with SmartAssurance, a multi-year strategy

Stop Loss Insurance

High utilization and claims costs can have a negative effect on your company's health plan. Stop loss insurance lets you choose the amount of risk you're comfortable with.

    • Protect cash flow
    • Minimize financial liability
    • Customize your reimbursement structure

Total Health

Humana Total Health helps you identify and assess employees’ needs. Then we determine what interventions can help and create personalized medical and wellness programs.

    • Programs Increase employees’ loyalty and productivity
    • Nurse-based support saves $11-$15 per member per month on average1
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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