Humana Efficiency health plan
Efficiency plans are great for budget-conscious small businesses with 2 – 50 employees looking to offer health benefits and access to in network discounts for a lower premium.
Once employees meet their deductible, the plan pays a percentage of covered services and prescriptions until they reach their out-of-pocket maximum. After that, the plan pays 100% of all in-network covered services.
A low-cost health plan that makes it easy to offer essential health benefits
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.