Health insurance is a way to safeguard yourself from devastating financial loss due to medical bills if you or someone in your family becomes ill or injured.
Without health insurance, a single serious illness could use up the money you’ve set aside for your retirement, children’s education, or dream home. With health insurance, seeing the doctor may be more affordable because you can take advantage of the savings that your health insurance company has negotiated and the coverage available with your health insurance plan.
Health insurance also covers all or part of the cost of preventive care that can help you stay well. This includes routine doctors’ visits for things like checkups, cholesterol screenings, and immunizations such as the flu shot. People who have health insurance may be more likely to get the preventive care they need on a regular basis.
When you buy health insurance, you enter into a kind of contract. In exchange for the monthly fee you pay, your health insurance carrier will cover all or part of the costs of your healthcare.
Many people get their insurance through their employer. Other people purchase it directly through a private health insurance company such as Humana or through insurance agents who sell health coverage from a variety of health insurance companies. In addition, the government offers special programs such as Medicare and Medicaid for senior citizens and people who are disabled or can’t afford insurance.
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This information is only a high-level summary of certain provisions of the health care law. This information does NOT attempt to summarize all provisions of the health care reform law. This information is not and should NOT be used as legal or tax advice; it should not be used as a basis for decisions regarding how the health care reform law will affect you and/or your business. Should you have any questions on how the health care reform law (including the high level summary of certain provisions of health care reform) will affect you and/or your business, you should seek professional advice from attorneys or other advisors.
Insured by Humana Insurance Company, Humana Health Plan, Inc., Humana Health Insurance Company of Florida, Inc., or Humana Health Benefit Plan of Louisiana, Inc. or offered by Humana Medical Plan Inc., Humana Employers Health Plan of Georgia, Inc., or Humana Health Plan of Texas, Inc.
For Arizona residents: Insured by Humana Insurance Company. For Texas residents: Insured by Humana Insurance Company or offered by Humana Health Plan of Texas, Inc.
Our health benefit plans have exclusions and limitations and terms under which the coverage may be continued in force or discontinued. For costs and complete details of the coverage, call or write your Humana insurance agent or broker.