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Medical insurance for business

Support your employees’ health and happiness by offering medical coverage and wellness programs designed to meet their unique needs and enhance their quality of life.

Total Health

Available to companies with 100 or more employees, Total Health takes a big-picture approach to employees’ physical, mental and emotional well-being, both at home and on the job. It extends the benefits of your standard Humana medical plan with health and wellness solutions—year after year.

Humana Simplicity

With these plans, there are no in-network deductibles or coinsurance—only copayments for certain healthcare services. Humana Simplicity is a straightforward medical copayment plan with no in-network deductible. It’s easy to understand and use.

Self-funded plans

Self-funded arrangements give organizations the freedom to lower their premiums by leveraging their employees’ overall health and wellness.

Copay plans

Employees pay a flat dollar amount when visiting a healthcare professional or filling a prescription. Copay plans require a copayment for illness- and injury-related in-network doctor's office visits. Employees have 100% coverage for preventive services, like annual exams, when in-network doctors are used. Prescription drug coverage is also included.

Coinsurance plans

This plan offers complete coverage for preventive exams and discounted percentages for additional services. It also includes coverage for preventive services like annual exams at 100% when in-network doctors are used. For additional covered services, the plans pay a coinsurance percentage, up to an out-of-pocket maximum, after deductible. Prescription drug coverage is also included.

High-deductible plans

High-deductible health plans (HDHPs) offer small-business employees preventive coverage for an affordable premium. For employees of small businesses who don’t want to pay a high premium but still want health coverage, HDHP plans offer budget-friendly options, covered preventive services and a single deductible for both medical and prescription services.

Humana Classic plan

Also known as a "traditional indemnity plan" or a "fee-for-service plan," our Classic plan offers employees who want flexibility in the doctors they see. Our indemnity plan allows them to pay the same costs, regardless of doctor or hospital.

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Fifty or fewer employees

Over Fifty Employees

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