Humana Health Insurance

Humana Health Insurance

health insurance plans

Humana is based in Louisville, Kentucky. The Humana health insurance plans are available in 13 states, including Alabama, Arizona, Georgia, Kentucky, Louisiana, Michigan, and Mississippi. Apart from health insurance, Humana also sells supplemental health plans and life plans.

For the last 15 years, the company administers TRICARE program of the Department of Defense. It also supports programs that focus on finding solutions to healthcare issues of veterans.

Humana is financially stable. It is serving more than 13 million members with a wide network of more than 350,000 healthcare providers. It also includes more than 3,000 hospitals in its network. The company started as a nursing home but it has expanded its business a few years after its inception.

How Much Does Its Health Insurance Cost

Various things could affect the cost of health insurance. These factors would include coverage, premiums, copays, coinsurance, and deductibles. Where you live will also affect the overall cost of your health insurance.

Types of Humana Health Insurance

The company offers a wide array of insurance plans to ensure that you can get the plan that you need. Besides health plans, you can also find dental insurance, pharmacy services, vision insurance, Medicare and Medicaid policies. There are health insurance plans to select.

Humana is committed to offering insurance needs for individuals, seniors, families and military personal, as well as self-employed. The company believes that its role in the industry is to change the perception of many individuals that it is not just a health insurance provider. Rather, it is also a provider that empowers members to live an active and healthy life.

This health insurance provider offers many health programs exclusively for its members. They can be accessed by signing in to your account.

There are two main types of health plans you can choose from Humana. These would include the HMOs and PPOs. The former is limited. You must stick within the plan’s network to lower your overall cost. The latter, on the other hand, offers flexibility. You can choose to get treated out-of-network. But the coverage may be partial. To help you save money, you must use the hospitals, doctors, and clinics that belong to your plan’s network.

The company also offers traditional indemnity plans. They can give you the freedom to pick a healthcare facility or doctor you choose. But it is more expensive than buying an HMO or PPO.

What is Personal Nurse Service

This is Humana’s program where members can access and work with a nurse on an ongoing basis. This type of service is designed for individuals with a certain serious condition, like high blood pressure and diabetes.

By working with a nurse, you can determine the health goals and find out more treatment options. You can also make informed decisions and be able to control your health.

But it is vital to remember that this service will not replace your doctor. Rather, the nurse will assist you in communicating with your caregivers. The nurse will also work with your doctor to help you make an informed decision.

You will be working with one nurse here. As long as you are a Humana member, you will remain working with your nurse. Having a personal nurse will help you gain control of your health. The nurse will not only help you manage your symptoms but you will also have someone to talk to as you control your disease.

Urgent Care Center

Emergencies can happen at any time. With Humana’s Urgent care centers, you can have an alternative place to get treated. But they are only ideal for minor injuries and illnesses.

By visiting an urgent care center of Humana, you can experience special savings. They involve lower copays for the same services. For your immediate treatment, urgent care centers offer an affordable price. In here, you can save money on copays and services. In other words, it is more affordable than the cost of your ER visit.

They are also fast. There is no need to schedule an appointment for the services. Plus, the waiting time is shorter than when you go to an emergency room. Quality care is excellent because the centers are handled by nurses and doctors, as well as other trained healthcare professionals.

Should you go to an emergency room or an urgent care center? It is one of the many questions of many Humana members. One of the things you must remember is if your condition is life-threatening or it is a serious medical event, you must call 911 or visit the nearest hospital.

However, if you require non-emergency medical service, your best option is to call your primary care doctor. He can verify your medical history and medications. After office hours, though, you must use urgent care as an alternative to an ER.

Finding an In-Network Provider

You must start by discovering a doctor that you can partner with to navigate your options. But you can only do so after accessing your account online. Some doctors and hospitals offer medical care at a reduced rate than those who are not part of the network.

Humana makes it easier for you to find a doctor that is part of your healthcare plan. You simply need to use Humana’s find a doctor tool. The company also offers family doctors within the network. This is cheaper than having a regular doctor. By using a PCP, you can be sure that your care is tracked by one person.

How to Find Medical Help When Traveling

It can be difficult to find medical help when you are traveling away from home. But if you need medical treatment while traveling, call Humana’s customer support to find a provider within your plans’ network.

When purchasing a Humana health insurance, you must know its limitations and exclusions. The company has health benefit plans, vision plans, and dental plans. The limitations of those plans will discuss the coverage that may be continued or discontinued. Furthermore, dental plans and vision plans have waiting periods.

If you apply for a plan, Humana will verify your eligible first.

Humana health insurance options are aplenty. But not all of them are suitable for your situation. Thus, make sure that you study your options first before you pick one plan over the other.