Your plan includes a family of doctors, hospitals and clinics. These healthcare providers have contracted to provide quality services to Humana members for less than they typically charge. Our providers cover a large geographic market and a wide range of healthcare services, including medical, pharmacy and dental.
When you go to a provider within our network, you benefit from the discount they offer Humana, and you pay less out-of-pocket for the visit. But that is not the only way you save.
If you have a deductible on your plan, that means there is a certain amount of healthcare dollars you need to pay out-of-pocket before your health insurance takes a greater part of the payment.
Most health insurance plans have different deductibles for in-network and out-of-network healthcare providers, and the out-of-network deductible can be twice as high!
When you choose to go to doctors, dentists or pharmacies, from within the Humana provider family, they count toward your in-network deductible. So, you can save a lot of money over the course of a year while enjoying quality medical care.
Note: If you are in a Health Maintenance Organization (HMO) plan, make sure you verify that your Primary Care Physician (PCP)’s referrals are specifically to Humana 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.