Get an Instant Quote
Compare dozens of plans and insurance companies.
When you decide on an HSA plan you like, click "apply" and you can sign up right online.
From our clients...
"Your company is very personable, pleasant to deal with and patient with all my questions. I was new to Health Savings Accounts and wanted to make sure I had a good understanding of what they were."
Linda Nelson - Lenexa, TX
"I would certainly recommend your company to others and feel you are offering a valuable service to all of us who are frustrated with the current health care system."
Diane Rumsey - Edmond, OK
"We were really impressed with the service and the straightforward answers."
Cory Shain - Patskala, OH
Humana HSA Plans
Humana offers flexible "build-your-own" health plans that let you choose from many of the features usually found only in group health plans.
Humana has recently revamped its HSA plans and rates, and now offers the most popular and competitive plan in many areas. The coverage is strong, the rates are usually very good, and there is a very large PPO network.
Humana Health Insurance has been assigned an A.M. Best rating of "A-" (Excellent).
Before you apply, be sure to view your Humana state brochure. It contains important information regarding benefits, exclusions, limitations, renewability, and other terms of coverage.
Internet Explorer
required
Supplemental
Accident Coverage
The perfect complement to any HSA
On This Page
Humana Plans at a Glance
Humana offers numerous HSA compatible plans, allowing you to pick a plan that perfectly suites your needs. There are plans that cover you at 100% after your deductible, as well as plans with a more traditional co-payment after meeting your deductible. The most comprehensive coverage is the HumanaOne Enhanced HSA, which covers you at 100% after meeting your deductible, including prescription drugs.
Expand this section on the right for a quick comparison of these plans. This is a general overview of plan features. The policy contains the actual terms and conditions. Waiting periods, limitations and exclusions apply...
| HumanaOne
Enhanced HSA/100% (70% out of network) | HumanaOne
HSA/100% (70% out of network) | |
| Deductibles* | $1500, 2500, 3500, 5000, 5950 | $1500, 2500, 3500, 5000, 5950 |
| Preventative Care | 100% after deductible for HPV, Meningococcal, Zoster vaccines and endoscopic service 100% for child immunization (other than HPV/Menin.)** | 100% after deductible |
Preventative Lab and X-ray Diagnostic lab/x-ray | 100% for preventative pap smear, mammogram, and prostate screening** 100% after deductible | 100% after deductible |
Office Visits | 100% for preventative visit** 100% after deductible | 100% after deductible |
Inpatient/Outpatient Services | 100% after deductible | 100% after deductible |
Emergency Room Services | 100% after deductible | 100% after deductible |
Mental Health (includes mental illness and chemical dependence)*** | 100% after separate mental health deductible | Not Covered |
Prescription Drugs | 100% after deductible (integrated with medical) | Not Covered: member has access to discount card |
| Optional Benefits | Supplemental accident benefit of $1000 or 2500 (does not count towards deductible) Life insurance $25-150,000 | Supplemental accident benefit of $1000 or 2500 (does not count towards deductible) Life insurance $25-150,000 |
*Deductibles listed are for individuals, family deductibles are doubled
**Subject to $500 per year maximum per person
***Up to $2500 maximum; outpatient services limited to $500 of 2500
| HumanaOne
Enhanced Copay/80% | HumanaOne
Copay/80% | HumanaOne
Copay/70% |
Deductibles* | $500, 1000, 1500, 2000, 2500, 3500, 5000 | $3500, 5000 | $1500, 2500, 5000 |
Coinsurance Out-of-pocket maximum** | $2500 | $3500 | $5000 |
Preventative Care | 80% after deductible for HPV, Meningococcal, Zoster vaccines and endoscopic services 80% for child immunization (excluding HPV and Menin.) | 80% after deductible for HPV, Meningococcal, Zoster vaccines and endoscopic services 80% for child immunization (excluding HPV and Menin.) | 70% after deductible for HPV, Meningococcal, Zoster vaccines and endoscopic services 70% for child immunization (excluding HPV and Menin.) |
Lab and X-ray | First $500 at 100% then 80% after deductible | First $400 at 100% then 80% after deductible | First $300 at 100% then 70% after deductible |
Office Visits | Unlimited
Visits; | 6 visits at $35/65 then 80% after deductible | 3 visits at $35/65 then 70% after deductible |
Inpatient/Outpatient Services | 80% after deductible | 80% after deductible | 70% after deductible |
Emergency Room Services (access fee and copay waived if admitted) | $100 access fee then 80% after deductible | $100 access fee then 80% after deductible | $125 access fee then 70% after deductible |
Mental Health (includes mental illness and chemical dependence)*** | 50% after separate deductible | 50% after separate deductible | 50% after separate deductible |
Prescription Drugs | Separate $500 deductible, then copay Level 1 - $15
(no deductible) | Separate $700 deductible, then copay Level 1 - $15
(no deductible) | Separate $1000 deductible, then copay Level 1 - $15
(no deductible) |
Optional Benefits | Rx buy up deductible ($150) Deductible carryover credit (does not apply to Rx) Supplemental accident benefit of $1000 or 2500 (does not count towards deductible) Life insurance $25-150,000 | Rx buy up deductible ($300) Deductible carryover credit (does not apply to Rx) Supplemental accident benefit of $1000 or 2500 (does not count towards deductible) Life insurance $25-150,000 | Rx buy up deductible ($500) Deductible carryover credit (does not apply to Rx) Supplemental accident benefit of $1000 or 2500 (does not count towards deductible) Life insurance $25-150,000 |
*Deductibles listed are for individuals, family deductible is three times those listed
**Maximums listed are for individuals, family maximum is doubled
***Up to $2500 maximum; outpatient services limited to $500 of 2500
****$5000 out-of-pocket maximum
Non-HSA Plans
Humana also offers health insurance that is not compatible with Health Savings Accounts. While we always recommend our clients take advantage of the savings opportunities provided by Health Savings Accounts, we are more than happy to assist you in finding a non-HSA plan should you desire.
|
HumanaOne Value/100% |
Deductible* | $5000, 7500 |
Preventative Care | 100% after deductible for HPV, Meningococcal, Zoster vaccines and endoscopic service 100% for child immunization (other than HPV/Menin.)** |
Preventative
Lab and X-ray | 100% for preventative pap smear, mammogram, and prostate screening** 100% after deductible |
Office Visits | 100% for preventative visit** 100% after deductible |
Inpatient/Outpatient Services | 100% after deductible |
Emergency Room Services | $125 access fee then 100% after deductible |
Mental Health (includes mental illness and chemical dependence)*** | 100% after separate mental health deductible |
Prescription Drugs | Separate $1000 deductible, then copay Level 1 - $15
(no deductible) |
Optional Benefits | Deductible carryover credit (does not apply to Rx) Supplemental accident benefit of $1000 or 2500 (does not count towards deductible) Life insurance $25-150,000 |
*Deductibles listed are for individuals, family deductible is three times those listed
**Subject to $500 per year maximum per person
***Up to $2500 maximum; outpatient services limited to $500 of 2500
****$5000 out-of-pocket maximum
Rate Information
Rates for all three Humana HSA plans are available on our instant quote page.
Rates vary based on age, zip code of residence, and other factors. Humana are very competitive, particularly for their higher deductible plans. When running your quote, please note that rates are often lower when placing the younger spouse as primary insured...
The premium can be paid via monthly, quarterly, semi-annual, or annual billing, or a monthly bank draft. There is a $10 fee for quarterly and monthly billing. The bank draft will occur on the premium due date each month. The initial premium can be paid with a check or credit card.
You can also learn more about Humana Dental plans.
Humana PPO Networks
Humana utilizes the ChoiceCare network. Insureds can use Humana doctors throughout the United States. View the complete ChoiceCare PPO Network (check the HumanaOne and Member radio buttons, enter your zip code and click Go. Then select the Humana/ChoiceCare PPO Network and click Go).
Humana's ChoiceCare Network includes more than 320,000 physicians and ancillary care providers in 50 states and the District of Columbia, serving 1.3 million PPO members.
The Humana plans are portable, so you can move throughout the country without having to change insurance companies, and still have access to their large network.
Additional Coverage
HumanaOne also offers several additional forms of insurance coverage. These include things such as Critical Illness, Hospital Cash Value, and a Memorial Fund. Expand to learn more...
- Critical Illness: Pays a set amount of money for a cancer diagnosis or heart attack. Visit our Humana Critical Illness page for more information.
- Hospital Cash Value: Pays a set amount of money in the event of hospitalization or emergency room treatment. Visit our Humana Cash Value page for more information.
- Memorial Fund: Whole Life Insurance designed to pay your final expenses and more. Visit our Humana Memorial Fund page for more information.
Underwriting
The Humana Health Insurance underwriting process is usually extremely fast. Someone from their underwriting department will call you to do a telephone interview. Often times you can be given a conditional approval during the telephone interview, if no medical records are needed. If medical records are needed, Humana issues a decision within 48 hours after receipt of records...
One important aspect of Humana's underwriting process is that it is done up-front only, when the application is submitted. Many insurance companies will underwrite again when a claim is submitted, and may retroactively place a waiver on a plan if a claim occurs in the first 12 months and they determine that it was a pre-existing condition. With Humana, if you do not receive a rate up or rider when you receive the policy, they cover the condition based on the plans benefits, and do not re-underwrite.
Underwriting guidelines appear to be more lenient for plans with deductibles of $2,500 or higher.
By the way, Humana has a history of paying claims quickly and currently pays 92% of all claims in 8 days or less.
Effective Dates
If you currently have or have recently had coverage, you can request an effective date any time between the day you apply and 45 days later. If an underwriter gives you conditional approval, your health insurance coverage can go into effect immediately. If you have not had major medical health insurance within the past two months, you will have the choice of an effective date of 30 to 45 days after the application submission date. Coverage for sickness has a 15 day waiting period.
Please contact our office by phone ( 866-749-2039) or use our contact form for more information on getting this coverage in place - right away if necessary.
HSA Administrators
Your health savings account is totally separate from your health insurance, and you may use any approved bank or trustee as your HSA administrator. We recommend that you choose one from our HSA administrator page, where you can compare rates and features. Humana Health Insurance partners with First Horizon Msaver to offer HSA administration for its HumanaOne Individual Health Insurance customers.
About Humana Health Insurance
HumanaOne offers health insurance coverage for individuals and families, such as self-employed entrepreneurs, students, recent college graduates, and early retirees, and those who may be uninsured. HumanaOne is a division of Humana Inc., one of the nation's largest publicly traded health benefits companies, with over 11 million medical members as of 2008, in 18 States and Puerto Rico...
HumanaOne offers flexible "build-your-own" health insurance plans that let consumers choose from many of the features usually found only in group health plans, such as negotiated rates, wellness benefits, and special discounts.
For a more complete listing of information, please view your Humana state brochure on the instant quote system.
Humana has been assigned an "A-" (Excellent) rating from the A.M. Best Company, an independent insurance rating organization. A.M. Best assigned this rating after a thorough quantitative and qualitative evaluation of a company's financial condition and operating performance.
HSA for America is an independent authorized Humana agent.
"I prefer to do my own research to the best of my ability..."
The main thing I liked about your site was the immediate online view of possible insurance choices and their cost without providing a lot of personal information. I did not feel I was wasting my time or a broker's time for a product that I had not researched. I prefer to do my own research to the best of my ability and use the sales professional for verification or clarification.
Caryl
Anne Halfwassen
Naples, FL
Humana Health Insurance in the News
Humana Inc. to Present at the Citi 2012 Global Health Care Conference
Humana Inc. announced today that Michael B. McCallister, Chairman of the Board and Chief Executive Officer, will make a presentation to investors at the Citi 2012 Global Health Care Conference on Monday, February 27, 2012, at 3:00 p.m.
Humana Launches New Dental Plan
Humana announced the launch of a dental insurance plan ??? HumanaOne Dental Loyalty Plus Plan, along with its plan to hire new employees in its Humana Cares division.
Concentra Selects Allscripts Electronic Health Record for Concentra Medical Centers
CHICAGO and ADDISON, Texas, Feb. 22, 2012 /PRNewswire/ -- Concentra, a subsidiary of Humana Inc. (NYSE: HUM - News), announced today it intends to implement a new Electronic Health Record (EHR) system from Allscripts ...
Fitch Affirms Humana's Ratings; Outlook Remains Positive
Fitch Ratings has affirmed Humana Inc.'s 'BBB' Issuer Default Rating and the 'BBB-' ratings on HUM's senior unsecured notes. Additionally, Fitch has affirmed the Insurer Financial Strength ratings of HUM's insurance company subsidiaries at 'A-'.
Humana forecast is below Street view; shares fall
(Reuters) - Humana Inc forecast a profit for this year below Wall Street estimates, suggesting that investors may be overestimating how much it will earn from a burgeoning Medicare business, and its shares fell almost 6 percent. Humana, one of the largest providers of Medicare health insurance plans for U.S. seniors, also posted a fourth-quarter profit that was in line with analyst estimates ...
Humana Teams with ChildObesity180 to Reverse the Trend of Childhood Obesity
Humana Inc. today announced its support of the Active Schools Acceleration Project’s Innovation Competition, an initiative of ChildObesity180.
Anvita Health Integrates Smart Problem List Inside Covisint and AT&T Healthcare Community Online
The Smart Problem List™ from Anvita Health™, a subsidiary of Humana Inc. , has been selected by Covisint to enhance Covisint’s decision support as a value-add feature for its health information exchange data aggregation and care platform.
Fayette to decide on medical insurance provider for staff
The Fayette County Commission is expected to switch its medical insurance administration provider for the county’s self-insurance plan for county employees. In 2010 the county chose to go the self-insured route, which sets aside funding for claims which are processed by a third party. For the coming plan year, the county is expected to switch from Meritain to Humana, which had the lowest bid by ...
Humana Launches New Dental Plan - Analyst Blog
On Monday, Humana Inc. ( HUM ) announced the launch of a new dental insurance plan - HumanaOne Dental Loyalty Plus Plan - aimed toward individuals who do not have any dental
Humana Inc (HUM): Zacks Rank Buy
ObamaCare is not the only momentum behind this stock's bullish trends
