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
Find the important and frequently used medical forms for Medicare members

Locate the forms you need

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

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Life insurance calculator to find out costs and decide how much cover you need

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Custom build insurance plans so fit your budget and personalize with extras to suit family needs

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)