Your Humana plan gives you access to healthcare services at doctors’ offices, retail clinics, urgent care centers and hospitals in your plan’s network. Taking a few minutes now to understand your choices may help save you time and money when you need care.
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Plan networks are a valuable tool to help keep costs down for members. Certain doctors and hospitals or other in-network providers may offer medical care at a lower cost than those outside of the network. Some Humana members are required to use in-network providers.
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In a true emergency, always go to an emergency room or call 911. For those times when you have time to choose, here are a few things to consider to make the most of your time and money.
Take advantage of the relationship you have with your doctor. Calling your doctor’s office during business hours may be your best choice for treatment in nonemergency situations. They will also have your medical history and insurance information on hand.
Virtual visits, sometimes called
Retail clinics are usually found in supermarkets or drug stores and most offer extended hours 7 days a week. They’re convenient options for minor issues like colds, earaches or urinary tract infections. Most charge a set price for each service so you’ll know your cost before you’re treated.
If you need medical care fast, deciding between an urgent care clinic or the hospital emergency room may be difficult. Here’s some information to help you understand the types of medical conditions each facility can treat.
Urgent care is a great choice if you have a non-life-threatening illness or injury needing immediate treatment. You’ll receive direct attention from doctors, nurses and other qualified medical professionals. Waiting times are usually shorter than in an emergency room and copays are often lower. Here are some of the conditions that urgent care is designed to treat:
Services may vary by location.
Generally, you should call 911 or go to the emergency room for any symptoms you feel may be a threat to your life or limbs. This may include:
In a true medical emergency, you should go to the closest hospital that you can. Federal law protects you from surprise medical bills in emergency situations. This means you can't be charged more than your plan’s in-network cost-sharing amount for emergency services, even if the hospital is out-of-network.
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