Humana Health Insurance HSA Plans
HSA for America HSA Plans HSA Information HSA "How To" HSA Admins Company Info Save Money
	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
						Humana HSA Instant Quotes How to Apply
					Lower on this page Coverage Synopsis Optional Benefits Rate Information PPO Networks Underwriting Effective Dates HSA Administrator About Humana
		HSA Plans at a Glance: There are three Autograph HSA plans: the Total Plus Rx/HSA, the Total HSA, and the Share 80/HSA.  The most complete plan is the Total Plus Rx/HSA, which has a $5 million lifetime limit and covers outpatient prescription drugs.  The other plans have a $2 million limit, and only cover prescriptions while you are hospitalized. Here's a quick comparison of these three plans.  This is a general overview of plan features.  The policy contains the actual terms and conditions.  Waiting periods, limitations and exclusions apply. Total Plus Rx/HSA Plan pays for services at PARTICIPATING providers Plan pays for services at NON-PARTICIPATING providers Annual Deductible · Annual amount (does not apply to maximum out-of-pocket expense) Please run an Instant Quote to find deductibles in your area Please run an Instant Quote to find deductibles in your area Maximum Out-of-Pocket Expense (after deductible) · Individual (must be satisfied by each covered person) Individual $0 Family  $0 Individual $6,000 Family $12,000 Preventive Care · Well-child care (including immunizations) (birth to age 13) · Routine annual PSA and digital rectal exam · Routine annual Mammograms · Routine Annual physical exam (age 13 and older) · Routine immunizations (age 13 to 18) · Routine pap smear · Routine lab, pathology and X-ray 100% covered 100% covered 100% covered after deductible You pay 30% coinsurance     Not Covered Not Covered Physician Services · Office visits (includes diagnostic lab and X-ray) · Allergy testing and serum · Inpatient services · Outpatient services (includes surgery) 100% covered after deductible You pay 30% coinsurance after deductible Hospital Services · Inpatient care · Outpatient surgery - facility · Outpatient nonsurgical · Newborn hospital stay · Emergency room (includes physician visits) 100% covered after deductible You pay 30% coinsurance after deductible Prescription Drugs · Benefit for each prescription or refill (up to 30-day supply) · Mail order (90-day supply) 100% covered after deductible You pay 30% coinsurance after deductible Other Medical Services · Skilled nursing facility (up to 30 days per calendar year) · Home health care (up to 60 days per calendar year) · Durable medical equipment · Hospice · Complications of pregnancy and sick baby services · Transplant services (organ) ** 100% covered after deductible   ** when services are performed at a National Transplant Network provider You pay 30% coinsurance after deductible   ** limited to $35,000 per covered transplant Mental Health (mental disorders, alcohol and chemical dependence) Inpatient and Outpatient care (Combined $2,500 per calendar year maximum.  Outpatient care not to exceed $500 of the $2,500 calendar year maximum.) You pay 50% coinsurance after deductible You pay 50% coinsurance after deductible Optional Benefits · Lifetime Maximum Benefit · $500 Supplemental Accident Benefit · $1000 Supplemental Accident Benefit $8 million per covered person First $500 per accident covered at 100%, then base plan benefits apply First $1000 per accident covered at 100%, then base plan benefits apply $8 million per covered person First $500 per accident covered at 100%, then base plan benefits apply First $1000 per accident covered at 100%, then base plan benefits apply Lifetime Maximum $5,000,000 Total HSA Plan pays for services at PARTICIPATING providers Plan pays for services at NON-PARTICIPATING providers Annual Deductible · Annual amount (does not apply to maximum out-of-pocket expense) Please run an Instant Quote to find deductibles in your area Please run an Instant Quote to find deductibles in your area Maximum Out-of-Pocket Expense (after deductible) · Individual (must be satisfied by each covered person) Individual $0 Family  $0 Individual $6,000 Family $12,000 Preventive Care · Well-child care (including immunizations) (birth to age 13) · Routine annual PSA and digital rectal exam · Routine annual Mammograms · Routine Annual physical exam (age 13 and older) · Routine immunizations (age 13 to 18) · Routine pap smear · Routine lab, pathology and X-ray 100% covered 100% covered 100% covered after deductible You pay 30% coinsurance     Not Covered Not Covered Physician Services · Office visits (includes diagnostic lab and X-ray) · Allergy testing and serum · Inpatient services · Outpatient services (includes surgery) 100% covered after deductible You pay 30% coinsurance after deductible Hospital Services · Inpatient care · Outpatient surgery - facility · Outpatient nonsurgical · Newborn hospital stay · Emergency room (includes physician visits) 100% covered after deductible You pay 30% coinsurance after deductible Prescription Drugs   Discount card included (This added value feature is not insurance.) Not Covered Other Medical Services · Skilled nursing facility (up to 30 days per calendar year) · Home health care (up to 60 days per calendar year) · Durable medical equipment · Hospice · Complications of pregnancy and sick baby services · Transplant services (organ) ** 100% covered after deductible   ** when services are performed at a National Transplant Network provider You pay 30% coinsurance after deductible   ** limited to $35,000 per covered transplant Mental Health   Not Covered Not Covered Optional Benefits · Lifetime Maximum Benefit · $500 Supplemental Accident Benefit · $1000 Supplemental Accident Benefit $5 million per covered person First $500 per accident covered at 100%, then base plan benefits apply First $1000 per accident covered at 100%, then base plan benefits apply $5 million per covered person First $500 per accident covered at 100%, then base plan benefits apply First $1000 per accident covered at 100%, then base plan benefits apply Lifetime Maximum $2,000,000 Share 80/HSA Plan pays for services at PARTICIPATING providers Plan pays for services at NON-PARTICIPATING providers Annual Deductible · Annual amount (does not apply to maximum out-of-pocket expense) Please run an Instant Quote to find deductibles in your area Please run an Instant Quote to find deductibles in your area Maximum Out-of-Pocket Expense (after deductible) · Individual (must be satisfied by each covered person) Individual $2,000 Family  $4,000 Individual $6,000 Family $12,000 Preventive Care · Well-child care (including immunizations) (birth to age 13) · Routine annual PSA and digital rectal exam · Routine annual Mammograms · Routine Annual physical exam (age 13 and older) · Routine immunizations (age 13 to 18) · Routine pap smear · Routine lab, pathology and X-ray 80% covered 80% covered 80% covered after deductible You pay 30% coinsurance     Not Covered Not Covered Physician Services · Office visits (includes diagnostic lab and X-ray) · Allergy testing and serum · Inpatient services · Outpatient services (includes surgery) 80% covered after deductible You pay 30% coinsurance after deductible Hospital Services · Inpatient care · Outpatient surgery - facility · Outpatient nonsurgical · Newborn hospital stay · Emergency room (includes physician visits) 80% covered after deductible You pay 30% coinsurance after deductible Prescription Drugs   Discount card included (This added value feature is not insurance.) Not Covered Other Medical Services · Skilled nursing facility (up to 30 days per calendar year) · Home health care (up to 60 days per calendar year) · Durable medical equipment · Hospice · Complications of pregnancy and sick baby services · Transplant services (organ) ** 80% covered after deductible   ** when services are performed at a National Transplant Network provider You pay 30% coinsurance after deductible   ** limited to $35,000 per covered transplant Mental Health   Not Covered Not Covered Optional Benefits · Lifetime Maximum Benefit · $500 Supplemental Accident Benefit · $1000 Supplemental Accident Benefit $5 million per covered person First $500 per accident covered at 100%, then base plan benefits apply First $1000 per accident covered at 100%, then base plan benefits apply $5 million per covered person First $500 per accident covered at 100%, then base plan benefits apply First $1000 per accident covered at 100%, then base plan benefits apply Lifetime Maximum $2,000,000 Note: These charts contain a general summary of benefits, exclusions, and limitations.  Please refer to your Humana state brochure for the actual terms and conditions that apply.

Coverage Synopsis:

Total Plus Rx/HSA Plan

The Total Plus Rx/HSA Plan pays 100% of your medical expenses and your prescription drugs after your annual deductible has been met.  The plan also pays for expenses up to 70% of the total cost at Non-participating providers after the non-participating provider deductible has been met. 

Lifetime maximum is $5 million, and can be increased to $8 million with the optional lifetime maximum benefit.

Preventive care is 100% covered with Participating providers before your deductible.  Some preventive care is not covered with Non-Participating providers (such as: Routine annual physical exam (age 13 and older), routine immunizations (age 13 and older), routine pap smear, and routine lab, pathology and X-ray).

*With Participating Providers your out-of-pocket maximum is your deductible.

Autograph Total HSA Plan

The Autograph Total HSA plan is similar to the Total Plus Rx/HSA because it also pays 100% of your medical expenses after your deductible, but it does not pay for your outpatient prescription drugs.  It does however include a discount card for your prescriptions.  The plan also pays for expenses up to 70% of the total cost at Non-participating providers after the non-participating provider deductible has been met. 

Lifetime maximum is $2 million, and can be increased to $5 million with the optional lifetime maximum benefit.

Preventive care is covered 100% with Participating providers before your deductible.  Some preventive care is not covered with Non-Participating providers (such as: routine annual physical exam (age 13 and older), routine immunizations (age 13 and older), routine pap smear, and routine lab, pathology and X-ray).

*With Participating Providers your out-of-pocket maximum is your deductible.

Autograph Share 80/HSA Plan

The Autograph Share 80/HSA plan is the most affordable of the three plans.  It pays 80% of your expenses after your deductible is met and does not pay for outpatient prescription drugs.  It does however provide a discount card for your prescriptions.  The plan also pays for expenses up to 60% of the total cost at Non-participating providers after the non-participating provider deductible has been met. 

Lifetime maximum is $2 million, and can be increased to $5 million with the optional lifetime maximum benefit.

Preventive care is covered up to 80% with Participating providers before your deductible.  Some preventive care is not covered with Non-Participating providers (such as: routine annual physical exam (age 13 and older), routine immunizations (age 13 and older), routine pap smear, and routine lab, pathology and X-ray).

*With Participating Providers your out-of-pocket maximum is your deductible.

With All three Autograph HSA Plans you can enjoy these extra benefits:

1. Special Discounts
   • Eye care and vision services - Save up to 45 percent
   • Over-the counter and prescription medication - Save up to 25 percent
   • Chiropractic, acupuncture, and massage therapy - Save up to 30 percent
   • Health-related products and services, including skin care, nutrition supplements, and vitamins - Save up to 20 percent
     
     
2. Access to MyHumana for helpful health plan information, medical information, cost savings tips, and tools
   
   
3. The convenience of a one-stop destination for life, dental, and individual health insurance

These plans qualify as HSA-eligible.  Combining a Health Savings Account (HSA) with any HumanaOne HSA plan allows you to make tax-deductible contributions, pay medical expenses with pre-tax dollars, and earn tax-deferred interest.  This account works much like an IRA, except you may use your tax-free savings for qualified medical expenses your health plan does not cover, such as your deductible, contact lenses, or most types of alternative medicine.  If you do not use these funds, they simply accumulate with interest, for distribution upon your retirement.

Optional Benefits:

The following benefits are available for an additional cost.

Dental Coverage

You can choose any dentist, but you can save up to 30 percent on out-of-pocket costs when you visit one of the more than 75,000 dentist locations in the PPO network.  The annual deductible is $50 for an individual and $150 for a family.

The plan pays 100% of all preventative services, then 50% after the deductible for basic, major and teeth whitening services, up to an annual maximum of $1,000.  You can also receive up to a 20% discount on orthodontia if you visit an orthodontist from the HumanaDental PPO network and ask for the discount.

Cost for this benefit is based on your individual characteristics, i.e. age, gender, etc and rates start around $30 per month in addition to the base premium.  When you run a quote with us you will see options with and without this optional benefit.

Lifetime maximum

For $3 more per month you can extend your coverage and get the added protection you need with the $8 million lifetime maximum.

Supplemental accident benefits

If you have a minor accident that doesn't cost a lot, this benefit will cover you right away--up to $500 or $1000 per incident, before your deductible is required.  Anything over the initial benefit will go towards your deductible and base plan benefits apply.  The cost for an individual for this benefit is an additional $8.12 per month.  Family rates vary by number of members and ages.

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.

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.

Underwriting:

The Humana Health Insurance underwriting process is 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. Humana is one of the few carriers that will accept someone that uses a CPAP machine (only on plans with a $7000 deductible 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.

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 Administrator:

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:

HumanaOne offers affordable 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.

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.

Your Health Savings Account Professionals! Contact Us HSA for America - Health Insurance Solutions © 2010 - All Rights Reserved