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.
Humana-only discounts – The plan pays a percentage of a Humana-negotiated service price, allowing employees lower fees above and beyond the covered percentage.
In-network convenience – By visiting an in-network doctor, employees avoid higher out-of-pocket rates.
Annual exams are covered – Employees can have preventive services like annual exams covered at 100% with in-network doctors.
Health maintenance organization (HMO) plan members enjoy a large network and lower premiums.
National point of service (NPOS) plan members are free to go to any doctor, but can keep their costs low by staying within the network.
Preferred provider organization (PPO) plan members have the flexibility to go to their choice of doctors—no referrals needed.