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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.

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A low-cost health plan that makes it easy to offer essential health benefits

Benefits How it works

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.

Get started with employee benefits

Speak with a licensed Humana sales agent

Call Monday – Friday, 8 a.m. – 5 p.m., EST.

1-844-325-2813 (TTY: 711)

Keep learning

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See pricing for group health insurance plans.