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4 Easy Steps to Getting Health Insurance

Figuring out how to get health insurance may seem like a daunting task, but it’s actually simpler than you think. In fact, enrolling in a plan can be broken down into just four easy steps.

STEP 1 – Evaluate Your Needs

Before you begin the search for health insurance, you should look at your family’s medical needs.

Key factors to consider:

  • Average medical expenses for the year
  • Any medications used regularly
  • Your budget

Get more information about the Cost of Health Insurance.

STEP 2 – Research

Start doing research on health insurance. It’s important to understand the common terms used and the different types of networks and plans available.

For instance, do you want an HMO or PPO plan? An HMO, or Health Maintenance Organization, is a plan where you choose a Primary Care Physician (PCP) from a network of local healthcare providers. All your care will be coordinated through your PCP. They will be your trusted source for referrals to specialist and other health care providers. You may decide you want a PPO, or Preferred Provider Organization, which is a plan that allows you to choose healthcare providers both in- and out-of-network without going through a PCP. Though you may choose out-of-network providers, your costs will be considerably lower if you remain in-network.

Learn more about PPOs and HMOs by viewing our comparison chart.

Visit our page on Health Savings Accounts to learn more about the benefits of this type of plan.

STEP 3 – Get a Quote

Now that you know your health care needs and have done your research on networks and the types of health insurance plans available, it’s time to find out how much plans cost. Humana offers a wide range of plan options in many states.

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You may also want to learn more about plans through an insurance agent. Insurance agents are industry experts who can help you choose the best plan for you at no extra cost. They can let you know if you are eligible for financial assistance and make the enrollment process easier. And an agent’s assistance is free to you!

Eligible for a financial assistance? If you don’t enroll in a health insurance plan, you could be subject to penalties. There are lots of opportunities for financial assistance to make health care affordable to everyone and you may be eligible. To find out more about ways to save on healthcare costs check out this short Financial Assistance Video.

STEP 4 – Enroll a Plan

You’ve determined which plan meets your needs and you’ve gotten a quote, so now it’s time to enroll. Get ready to enjoy the happiness and security that comes with deciding to get health insurance, and knowing that you are making good decisions about you and your family’s wellness.

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Medicare Advantage

Are you eligible for Medicare? Explore Humana’s Medicare Advantage plans.

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Build a healthcare budget

Use our healthcare budget planner to estimate your annual healthcare spending, including costs for things like prescriptions and doctor’s visits.

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Humana is committed to helping people achieve lifelong well-being.

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Why choose Humana?

With an array of insurance options and extras, Humana lets you build a personalized plan to fit your life, budget, and family.

Find out more about the Humana difference