Virtual Guidance Tool

The interactive Virtual Guidance tool is easy to use and based on your individual responses, it will show you important information depending on your life stage and the needs of your family. The tool is self-paced, putting you in control to explore plan benefits, quick facts and helpful information.

Virtual Guidance Tool View Flash video

Accident coverage

Accident coverage can protect the whole family.

A voluntary accident plan offers coverage for accidents, injuries, ambulance services, and accidental death in addition to your primary medical insurance. It's also available to your spouse and children – a plan that can protect your whole family.

Why do I need accident coverage?

Here are a few facts to consider from the National Center for Health Statistics:

  • Nearly 40 percent of self-reported episodes of injury leading to hospitalization occurred during sports or leisure activities, and 44 percent occurred in or around the home
  • Where the external cause of nonfatal injuries is specified, falls are the leading cause of inpatient and outpatient care in emergency rooms, outpatient clinics and doctors' offices
  • Injuries due to motor vehicle traffic accidents, overexertion and strenuous movements, and striking against or being struck accidentally by objects also make up a large portion of injuries

Virtual Guidance Tool — Accident

Critical Illness

Critical illness/cancer voluntary coverages pay lump-sum benefits

Why do I need critical illness and cancer coverages?

These plans can assist you with a variety of expenses so you can focus on getting better. You can spend the benefits however you want, on direct or indirect costs associated with the illness:

  • Make your mortgage payments
  • Hire extra help for around the house, such as in-home caregivers
  • Help cover medical bills as well as therapy and training
  • Pay for travel to treatment facilities away from home – and for family visits

In addition to the physical and emotional effects, people who are diagnosed with a serious condition may see a costly impact on their expenses. You may need additional help to absorb the expense of paying for drugs and other direct and indirect costs associated with these diseases. Virtual Guidance Tool — Critical Illness

Disability

Humana's disability plan will help with day-to-day expenses - housing, food, car payments, even additional medical costs – if an illness or accidents disables you away from the workplace. You won't have to worry about using your savings or incurring additional debt to cover these costs and care for your family.

Why do I need disability coverage?

Most people can't afford to be disabled, even for a short time. Almost 90 percent of disabling accidents and illnesses are not work related, so you can't count on Workers Compensation to be there for you and your loved ones (National Safety Council, Injury Facts 2008 Ed.). Here are more reasons to take a closer look at short-term disability protection:

  • 71% of American employees live from paycheck to paycheck.1
  • Unexpected illnesses and injuries cause 350,000 personal bankruptcies each year.2

Virtual Guidance Tool — Disability

Whole Life

Whole life coverage gives you and your loved ones a solid foundation to build a long-term financial plan. It helps ensure that your family is financially protected.

Why do I need whole life coverage?

Humana whole life offers a cash value and death benefit. So when you pay your premium, part of it goes into a cash reserve that you can typically access at any time, for any purpose. It can be used for things like education expenses, retirement income, and many other needs.

  • Half of U.S. households say they need more life insurance.3
  • Most people don't realize the average cost of a funeral in 2009 was almost $8,000.4
  • Today more than ever single people are caring for aging parents or siblings. Life insurance can provide financial stability to those who depend on you

A whole life policy helps take care of your loved one's immediate and future financial needs after a loss, and that's a good feeling knowing you've done all you can to help protect their way of life and secure their future.

Virtual Guidance Tool — Whole Life

Term Life/CriticaLife

Term life coverage gives you and your loved ones financial protection for a specific period of time (term). As a short-term financial plan it provides a death benefit, and helps ensure that your family is financially protected if the unexpected happens. In addition with Humana's CriticaLife® if you're diagnosed with a critical illness you can receive a living benefit.

Why do I need term life coverage?

If your family were to suddenly lose your income due to your death, it might be difficult for them to repay debts. A term life plan is a good safeguard to ensure financial commitments, such as college tuition or paying off a mortgage will be taken care of.

  • 95 Million U.S. adults have no life insurance at all.3
  • Top five leading causes of death: heart disease, cancer, stroke, lower respiratory illnesses and accidents.5
  • Most people don't realize the average cost of a funeral in 2009 was almost $8,000.4

A term life policy helps take care of your loved one's immediate and future financial needs after a loss, and that's a good feeling knowing you've done all you can to help protect their way of life and secure their future.

Virtual Guidance Tool — Term Life/CriticaLife

Supplemental Health

Receive a daily benefit if you or a covered family member is hospitalized.

A Humana Supplemental Health plan pays you cash when you are hospitalized. Even if you have medical coverage, most likely you'll have out-of-pocket expenses. All benefits are paid directly to you.

Why do I need Supplemental health coverage?

The costs associated with a hospital stay can be overwhelming and a drain on your finances.

  • Unexpected illnesses and injuries cause 350,000 personal bankruptcies each year (Council for Disability Awareness)
  • Average length of a hospital stay is 4.8 days (Centers for Disease Control and Prevention, 2010)
  • Nearly 40 percent of self-reported episodes of injury leading to hospitalization occurred during sports and leisure activities

Virtual Guidance Tool — Supplemental Health

Vision

Annual eye health exams not only help prevent vision loss, but can detect more serious diseases in the body such as diabetes, hypertension, multiple sclerosis, and brain tumors.

Why do I need vision coverage?

Eye examinations are an important part of routine preventive healthcare. Because many eye and vision conditions have no obvious symptoms, you may be unaware of problems.

  • An estimated 11 million Americans have uncorrected vision problems ranging from refractive errors to sight-threatening diseases such as glaucoma. (The Eye Disease Prevalence Research Group, 2010)
  • People with diabetes are also twice as likely to get cataract or develop glaucoma. (National Women's Health Report, 2010)
  • Early detection of children's vision problems is essential to make sure your kids have the visual skills they need to do well in school, sports and other activities. (All About Vision, 2010)

Early diagnosis and treatment are important for maintaining good vision and preventing permanent vision loss.

Virtual Guidance Tool — Vision

Dental

Good health starts with a healthy mouth. Regular dental cleanings may prevent complications with serious health conditions such as heart disease, stroke, diabetes, and premature and underweight babies.

Why do I need dental coverage?

Healthy gums help prevent bacteria in your mouth from entering your bloodstream, keeping you healthier.

  • In a poll by the American Dental Association, 33 percent say they are unaware that periodontal disease needs to be treated and cannot be left alone.
  • Nearly 1 in 3 adults in the US aged 30-54 has periodontal (gum) disease. (Oral Health in America: A Report of the Surgeon General, June 2007)
  • Dental disease is one of the leading causes of school absenteeism for children (Oral Health in America: A Report of the Surgeon General, June 2007)

Dental care is always important, and with regular dental care, a dentist may be able to recognize early problems that you can't see, and provide simple treatment to stop a serious condition from progressing.

Virtual Guidance Tool — Dental