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High-deductible health plan

High-deductible health plans (HDHPs) are great for those who want to save money while being covered for unforeseen emergencies and health events.

Your employees and their covered family members will pay for care until they meet their deductible amount. After that, the plan pays a percentage of covered services and prescriptions.

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A health plan that’s easy on the pocketbook

Benefits How it works

HDHPs include:

  • Low-cost premiums
  • Health savings account (HSA) – most plans are HSA-eligible which can help members pay for out-of-pocket healthcare expenses, like their plan deductible
  • Virtual visits with board-certified doctors – 24/7, with Doctor On Demand
  • Go365® rewards for healthy behaviors – like Target and Amazon gift cards
  • Preventive care - such as annual exams, routine laboratory screens and immunizations, covered at 100% with network healthcare providers

HDHPs feature budget-friendly premiums and pay coinsurance benefits after the deductible is met for all covered services. Once the maximum out-of-pocket amount is met, Humana covers all costs at 100%.

Here are some HDHP options:

  • Individual deductible (medical + pharmacy) – $2,800–$6,500*
  • In-network coinsurance – 70–100%
  • Individual maximum out-of-pocket – $2,800–$6,550*
  • Preventive exams, screenings and immunizations – 100%

Choose a family deductible option:

  • Aggregate – All covered services apply to the family deductible and maximum out-of-pocket.* The plan pays a coinsurance percentage after the entire family deductible is met.
  • Embedded – All covered services apply to the individual and family deductible and maximum out-of-pocket. When any family member reaches the individual deductible, that family member will begin receiving coinsurance benefits, even if the family deductible has not been met.

* All costs shown are for network providers. Plan option costs vary depending on the plan chosen. Family deductibles and out-of-pocket maximum are simply twice the individual amounts.

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