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• 12- Month Initial Rate Guarantee
  A member's premium rate is guaranteed for 12 months as long as the member remains in the same area keeps the same benefits.
  

• Customer Care
  According to a study conducted by Physicians Practice and athenahealth, doctors find it easier to do business with Humana than any other company.
  

• Vast Network of Providers
  Members have access to Humana's extensive network of doctors, pharmacies and hospitals.
  

• A Name You Can Trust
  HumanaOne health plans are insured by subsidiaries of Humana Inc., one of the nation's largest publicly traded benefit companies with over 11 million members.

•  Customization
  Design the right plan that fits your needs and budget- Optional Benefits that can be added include PPO Dental, Term Life Insurance, and Supplemental Accidental Benefit

• Claims Payments are Fast and Accurate.
  HumanaOne has an exceptional track record for claims payments, with an accuracy rate of 99.6 percent. HumanaOne pay 95 percent of all claims within 30 days, and almost all of those claims are processed within two weeks.*

* Optional benefits available at an additional cost. Waiting periods and limitations and exclusions apply.

*  Based on the Humana Claims Operations Study in May, 2006.

 

Is my doctor covered by HumanaOne?

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Comparing The NEW Health Plans

Here’s a quick comparison between all three HumanaOne personal health insurance plans. This is a general overview of plan features. The policy contains the actual terms and conditions. Waiting periods, limitations and exclusions apply.

What is this plan about ?	HumanaOne Portrait is our premium personal health insurance plan providing big employer benefits, concierge-level service and easy access to medical care.	HumanaOne Autograph is our flexible personal health insurance plans offering the right balance of cost and coverage to fit your financial plan.	HumanaOne monogram is our most affordable personal health insurance plan with one low monthly premium for a safety net of coverage if you ever need it.
Who’s this coverage for?	People who want similar benefits provided by big employers People who prefer to minimize risk in their lives People who may plan to use medical services frequently	People who like to take charge of their own well-being People who seek the right combination of features and benefits People who appreciate the tax-saving benefits of a Health Savings Account	People who are healthy and seldom visit doctors and hospitals People who want low-cost protection just in case a catastrophe happens
What’s the deductible?	Depending on where you reside, HumanaOne Portrait Personal Health Plans are typically available with annual deductibles of: Single coverage –$1,000, $2,500 Family coverage – $2,000, $5,000 Deductibles listed are for network providers; there is a separate deductible for out of network providers. Get a quote to see what’s available in your area.	Depending on where you reside, HumanaOne Autograph Personal Health Plans are typically available with annual deductibles of: Single coverage – $1,500; $2,000; $2,500; $3,000; $3,500; $4,000; $5,000; $5,200; $6,000 Family coverage – $3,000; $4,000; $5,000; $6,000; $7,000; $8,000; $10,000; $10,400; $12,000 Deductibles listed are for network providers; there is separate deductible for out of network providers. Get a quote to see what’s available in your area.	HumanaOne monogram Personal Health Plans are typically available with annual deductibles of: Single coverage –$7,500 Family coverage – $15,000 Deductibles listed are for network providers; there is a separate deductible for out of network providers. Get a quote to see what’s available in your area.
For family coverage, is there a separate deductible for each individual, as well?	Yes, each family member has a separate deductible. However, the family deductible is two times the individual deductible – so if two or more family members are covered, only two have to meet the separate individual deductible to satisfy the family deductible.	For HumanaOne Autograph HSA-Qualified, High-Deductible plans, the family deductible applies to all covered family members, so one person’s covered expenses could satisfy the deductible for the entire family. For non-HSA HumanaOne Autograph plans, each family member has a separate deductible, but only two have to meet the separate individual deductible to satisfy the family deductible.	Yes, each family member has a separate deductible. However, the family deductible is two times the individual deductible – so if four or more family members are covered, only two have to meet the separate individual deductible to satisfy the family deductible.
What happens after I meet the deductible?	Please reference the plan benefit sheet for the amount of coinsurance for covered medical expenses in your state.	Coinsurance varies depending on where you live. Please reference the plan benefit sheet for the amount of coinsurance for covered medical expenses in your state. If you have an HSA-Qualified, High-Deductible plan, you can use HSA funds to pay your share, if any.	Please reference the plan benefit sheet for the amount of coinsurance for covered medical expenses in your state.
Do I have copayments?	Yes, some services require copayments.	Some HumanaOne Autograph plans require copayments; others do not have copayments.	Yes, some services require copayments.
Do copayments help reduce my deductible?	No, medical and prescription drug copayments do not apply to your deductible or out-of-pocket maximum.	For HumanaOne Autograph plans with medical and prescription drug copayments, these copayments do not apply to your deductible or out-of-pocket maximum.	No, medical and prescription drug copayments do not apply to your deductible or out-of-pocket maximum.
Does this plan provide any tax benefits?	No.	Yes, some HumanaOne Autograph plans meet the IRS requirements of High-Deductible Health Plans. These plans are designed to offer tax advantages when used in conjuction with a Health Savings Account (HSA).	No.
How are prescription drugs covered?	Copayments as low as $15 for common prescriptions. Certain drug levels require meeting a separate prescription deductible. See plan benefit sheet for details.	Depending on which HumanaOne Autograph plan you choose you may have copayments as low as $15 for common prescriptions. Certain drug levels require meeting a separate deductible. However, some HumanaOne Autograph plans do not have a prescription drug benefit. See plan benefit sheet for details.	Copayments as low as $15 for common prescriptions. Certain drug levels require meeting a separate prescription deductible. See plan benefit sheet for details.
Are dental expenses covered?	No, unless the service is related to an injury. A separate dental plan is available as an optional benefit.	No, unless the service is related to an injury. A separate dental plan is available as an optional benefit.	No, unless the service is related to an injury. A separate dental plan is available as an optional benefit.

Get Free Quotes for All HumanaOne Plans

To get individual health insurance quotes from Humana, just click Get a Quote below. You will get instant, real-time quotes on the following page. You will receive rates for HumanaOne plans with a variety of annual deductible amounts. You can customize your plan further by choosing from the optional benefits provided on the quote page.

I would like to..  Apply Online   Get a Quote   Review Eligibility

GREAT NEWS:  If you apply and are approved for HumanaOne Health Insurance you are also automatically approved for up to $150,000 in optional* term life insurance! Guaranteed! No additional exam is required. Why not protect your loved ones at the same time?

* Optional benefits available at an additional cost.

Have Questions? Prefer to speak with a licensed Humana agent? Call us. No charge for allowing an agent to help with the application process.

 561-932-0660 ♦ Mon-Fri 8AM to 7PM EST

 

Please note the following:

• You are under no obligation to buy.

• DO NOT CANCEL your current health insurance until you have been notified by the insurance company in writing that you are approved.

• Florida and Texas are medically underwritten states. You can be declined for health insurance due to certain unacceptable health conditions.
• These plans have limitations, and exclusions.
• Based on your medical conditions the insurance companies may exclude treatment for certain health conditions, and or charge an additional premium.
• The rates are subject to change based on your medical conditions. These rates are determined by the Insurance Company.
• Applicants age 55 and over must supply physical exam and laboratory results.
• The approval time can vary from two days up to two months.
• Preventive Care benefit is payable after 90-day waiting period and 12 months waiting period for mental health and maternity.
• A pre-existing condition is a sickness or injury which was diagnosed or treated, or which produced signs or symptoms that would cause an ordinary prudent person to seek medical advice, care, or treatment during the 24 month period before the person's effective date of coverage. Routine follow-up care to determine the reoccurrence of breast cancer does not constitute medical advice, care or treatment. Benefits for pre-existing conditions are not payable until the covered person's coverage has been in force for 12 consecutive months with Humana.
• All applications are subject to approval.

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