Medical Plans

Medical plans to help you reach new levels of health

Better well-being begins with better options. Humana offers medical plan options through employers designed to meet you and your family’s needs.

High Deductible Health Plan

This plan helps you balance your health and financial well-being. It features low premiums and an integrated deductible for both medical and pharmacy costs.

  • Compatible with the Health Savings Account (HSA)
  • Gives you solid healthcare coverage and greater control over healthcare spending

PCA Plan

This low-premium, high-deductible plan combines a health plan with a healthcare spending account.

  • Typically requires no copayments for medical expenses
  • Meet your deductible, then pay only the coinsurance percentage
  • Out-of-pocket costs are capped

CoverageFirst

This plan offers basic healthcare, pays expenses up front, and provides protection for an unexpected, serious illness or injury.

  • Best if your claims are at or below $500 a year
  • Pay nothing for preventive care office visits
  • Offers an out-of-pocket maximum in case of serious injury or illness

Preferred Provider Organization (PPO)

This plan encourages you to use in-network providers and gives you discounts when you do.

  • Allows you to choose any in-network provider
  • Covers out-of-network providers with higher copayments and deductibles
  • Doesn’t require referrals

Health Maintenance Organization (HMO)

With two options, the traditional HMO and the Open Access HMO, you build relationships with doctors in the network.

  • Pays benefits only for in-network providers
  • Out-of-network coverage only for emergencies
  • Lower out-of-pocket costs

Point of Service (POS)

Choice is the centerpiece of these flexible plans, which allow you to go in-network or out.

  • Reduced out-of-pocket costs by choosing in-network providers
  • Out-of-network coverage is available at a higher price

Humana Classic

This traditional plan, also known as fee-for-service, costs more, but gives you the same benefits with any healthcare provider.

  • Costs are the same for all doctors and hospitals
  • Doesn’t require you to use in-network M.D.s
  • Referrals not needed for specialists

Humana Lifelong Well-Being™
To Help People Achieve Lifelong Well-Being™

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Locate the forms you need

Browse the forms you need for medical, dental, life, spending account and pharmacy claims.

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Prepare for the unexpected things in life

Not sure where to go to receive treatment for illnesses or injuries? Not knowing where to go for your situation may cause delays in treatment or cost more than it needs to.

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Why choose Humana

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 (link opens in new window)