Save money by staying in network

Humana’s provider network includes doctors, hospitals and clinics contracted to care for members of Humana plans. These in-network healthcare providers have agreed to provide quality services to Humana members at a set rate. Our provider network covers a large geographic area and a wide range of healthcare services, including medical, pharmacy, vision and dental.

How you save

When you visit an in-network doctor, hospital or other healthcare provider, you generally pay less out-of-pocket for the visit.

If your plan has a deductible, that means there is a certain dollar amount of healthcare expenses you need to pay out-of-pocket before your health insurance pays its part.

Humana, like many health insurance plans, has different deductibles for in-network and out-of-network healthcare providers. The out-of-network deductible can be twice as high on some plans. However, you can choose to visit doctors, dentists or pharmacies from within the Humana provider family, so that they count toward your in-network deductible. That way, you may save money over the course of a year while experiencing quality medical care.

Note: If you are in a health maintenance organization (HMO) plan that requires referrals for specialty care, make sure you verify that referrals from your primary care physician (PCP) are specified to Humana’s in-network doctors, hospitals or clinics.

Some Humana insurance plans, such as HMO or exclusive provider organization (EPC), will not provide coverage if you go to an out-of-network provider. In the case of an HMO plan, PCP referrals may be required to see other Humana providers.

HMO vs. PPO: Which one is right for you?

Locate a Humana provider

Use our physician finder tool or download our mobile app to find a Humana doctor, dentist, hospital or clinic.

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