Point of Service

Point of Service health benefit plan

Plan overview

With Humana's Point of Service (POS) plans, you can reduce your out-of-pocket costs by choosing providers in the network — or you can seek services outside the network and pay more. It's your choice. POS plans can be "traditional" or "consumer-driven".

How it works

Combining the advantages of HMOs and PPOs

POS plans bring you the advantages of a Health Maintenance Organization (HMO) plan with the flexibility of a Preferred Provider Organization (PPO) plan.

National POS - Open Access

When you receive services from in-network providers, the plan covers more of your costs. You also have the choice to go outside the network — but you'll pay more. Plan features:

  • You have access to in-network savings with more than 400,000 doctors, hospitals, pharmacies, and ancillary care providers; to find providers in Physician Finder Plus, choose "National POS - Open Access" or "Humana Preferred POS - Open Access" from the network selection drop-down menu
  • The plan also pays benefits for covered services from out-of-network providers
  • You don't need a primary care physician (PCP); you are encouraged to develop a relationship with one doctor who can help you make informed healthcare decisions, be familiar with your complete medical history, and guide you to appropriate specialists
  • Referrals aren't necessary for out-of-network services
  • Both traditional plan designs — which have copayments for most services — and consumer-driven plans are available
Plan tools

Plan tools to maximize your value

MyHumana tools

Visit your secure website on Humana.com to:

  • View details about your health plan
  • Keep track of your healthcare spending and claims
  • See how close you are to meeting your deductible
  • Use Humana's MyChoice ToolsSM to estimate costs for procedures
  • Check your spending account balance

To access these tools and more, Log in to MyHumana.

If you haven't signed up for your secure Website yet, Register for MyHumana today.

MyHumana Mobile

Humana's mobile resources are designed to support the on-the-go needs of consumers and empower healthcare decisions at the point of service. Resources featured in MyHumana Mobile include: an urgent care finder, a spending account balance viewer, and ID card details. Use your existing MyHumana login to access the resources on your mobile device's browser.

Learn more about MyHumana Mobile

Printable Humana ID card

To get printable proof of your Humana coverage, simply fill out the online form in our Humana ID Card Viewer

Humana Commercial Preauthorization and Notification Lists

These dated documents provide a complete list of services that require preauthorization or prior authorization. Some employer groups for which Humana provides administrative services only (self-insured and employer-sponsored programs) may customize their plans with different requirements.

January 22, 2011, Commercial Preauthorization and Notification List

(265 KB) Download PDF


January 24, 2010, Commercial Preauthorization and Notification List

(97 KB) Download PDF


July 10, 2009, Commercial Preauthorization and Notification List

(92 KB) Download PDF


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Humana Pharmacy offers convenience by shipping to your home. With the Humana Pharmacy App, the pharmacy is now anywhere you want it to be.

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