Humana Health Insurance HSA 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.

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Supplemental Accident Coverage
The perfect complement to any HSA

Humana HSA

Instant Quotes

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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

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 after deductible

You pay 30% coinsurance

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

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

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 after deductible

You pay 30% coinsurance

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

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

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 after deductible

You pay 30% coinsurance

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

Optional
Benefits

·	Lifetime Maximum Benefit

·	$500 Supplemental Accident Benefit

·	$1000 Supplemental Accident Benefit