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Humana Health Insurance

Humana Health Insurance

Humana is a health insurance provider that offers a range of plans to meet the needs of individuals and families. Through Humana, people can receive coverage for both in-network and out-of-network care including doctor visits, hospital stays, lab tests, prescriptions, and more. The cost of Humana plans varies depending on where you live and the type of coverage desired. Humana is a health insurance provider that has been providing coverage to individuals and families since 1961. Founded by the Medicare pioneer, David A. Jones Sr., Humana has a long history of offering quality health care services and plans to ensure people in the US have access to necessary medical treatment. Throughout their over fifty years in business, Humana has consistently prioritized customer satisfaction, developing an array of innovative healthcare options for their consumers.

Humana Coverage

Humana offers a variety of plans to meet the needs of individuals and families. These plans include HumanaOne, Medicare Advantage Plans, Employer Group Health Insurance, and Student Health. HumanaOne is an individual health plan that includes coverage for doctor visits, hospital stays, prescription drugs, lab tests, and more. Medicare Advantage Plans from Humana allow those aged 65 or older to receive Medicare Part A and Part B benefits with additional coverage for vision and dental services. Employer Group Health Insurance provides employees and their families with insurance protection at group rates. Student Health plans are available for both full-time and part-time students who do not have access to other insurance options.

Humana had entered the health insurance marketplace in 2014, the year it was created, and stopped selling individual plans outside of the marketplace. Humana offers the following plans:

Humana Marketplace Plans

Plan Type Percent of Essential Benefit Covered Monthly Premium
Humana Bronze Plan 60% Low cost - Low quality
Humana Silver Plan 70% Average premiums - Average out-of-pocket costs
Humana Gold Plan 80% High premiums - Low out-of-pocket
Humana Platinum Plan 90% Highest premium - Lowest out-of-pocket costs

Humana Vision

You may not be able to enroll in individual or family health insurance plans, but Humana vision plans are still available in most states, with the exception of Oregon, Washington, Montana, New Hampshire, Vermont, Rhode Island, Hawaii, and District of Columbia. 

Humana does offer reasonably priced vision plans with low out-of-pocket costs. If you enroll with Humana, and annual vision exam will be included, and you will also receive money for standard contact lenses or eyeglass lenses. However, there is a small copay that goes along with the glasses and lenses.

If you have any special needs, Humana vision is a great option for you. There are options for progressive bifocals, discounts on corrective surgeries, and even plans that give you money for new frames every 1-2 years.

Humana Dental

Along with vision, you can also enroll in Humana dental. Keep in mind, if you are looking to save even more money, you can pair Humana Vision and Humana dental for possible discounts. You can enroll in PPO or HMO dental plans, and with some Humana dental plans, you may have $0 in out-of-pocket costs, and the ability to choose your own dentist. Humana dental plans are highly recommended.

Humana Military

Humana has a long-standing partnership with the US military. Humana military currently manages the Tricare South program. So if you are a veteran of the armed forces, you may have already had some experience with Humana. 

Starting on January 1, 2018, Humana military will be taking over Tricare East after the current Tricare program condenses into two regions. 

Humana Medicare

Humana Medicare offers a variety of different options for those who qualify. With Humana Medicare, you can enroll in Medicare Advantage plans, Medicare Part D (prescription drug plans), and Medicare Supplemental plans.

It’s difficult to beat Humana Medicare because of the easy access to the wide range of services they offer. With Registered Nurses available by phone at all hours, delivery options for your prescriptions, Silver Sneakers Fitness Program, and more, it’s worth consulting an agent to find out if a Humana Medicare is the right option for you or a loved one. 

Humana Vitality (Now Go365)

The Humana Vitality program recently had a makeover, and the name was switched to Humana Go365. Humana Vitality or Humana Go365 is, according to the official site, “A personalized wellness and rewards program.”

This program is part of an effort to improve the overall quality of health for Humana members. This is another benefit of being a member of Humana. Humana Vitality, or Humana Go365, provides personalized dashboards, tracking apps, a support community, and points that you can earn and redeem in the Go365 Mall.