Humana Simplicity

Humana Simplicity

A copayment-only plan
that’s easy to use

At Humana, we don't think a medical plan has to be hard to understand — or pay for. That's why we developed Humana Simplicity. When you use in-network healthcare services, you’ll pay no deductible, just a copayment. Now that’s simple.

HMO, PPO, and POS plan designs

Choose from health maintenance organization (HMO), preferred provider organization (PPO), or National Point-of-Service (POS) plan designs.

  • HMO offers a large network and lower premiums
  • PPO offers more flexibility in choosing providers without referrals
  • POS helps you save when you stay in the network

Tiered copayment options

Choose from one of three standard copayment structures. All copayments, except pharmacy, count toward maximum out-of-pocket expenses.

  • No deductibles to track
  • In-network providers save members money


HumanaVitality® is included with Humana Simplicity plans. This wellness program is tailored to your unique health status. Small changes in everyday life can add up to healthy long-term rewards.

  • Vitality Points are awarded for verified activities
  • Turns employees’ recommended goals and supporting activities into tangible rewards
  • Simple and straight-forward for your company
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Make Healthy Living

Make healthy living more rewarding

It’s easy when employees earn points and set goals through HumanaVitality.®

Learn more about HumanaVitality
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