Humana Efficiency health plan

Every Efficiency plan includes:

• Our lowest premiums
• $0 virtual visits with board-certified doctors 24/7 with Doctor On Demand^®
• Preventive care by in-network providers at no additional costs to members
• Spending account options to help pay for out-of-pocket healthcare expenses and offer tax savings for you and your employees
• Go365^® rewards for healthy behaviors, offering rewards people want, like Target and Amazon gift cards.

Efficiency is a low-cost option for employees to get the preventive care they typically need, like annual checkups.

Here’s an example of how an Efficiency plan works:

• Individual deductible (medical plus pharmacy) – $5,500–$8,150*
• In-network coinsurance – 50%–100%*
• Individual maximum out-of-pocket – $8,150*
• Preventive exams, screenings and immunizations – 100%

Once the deductible is met, the plan pays the coinsurance percentage of covered services and prescriptions until the out of pocket maximum is reached. After that, the plan pays 100% of all in-network covered services.

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