Healthinsurance.net Health Insurance Review

#2 in Health Insurance

HealthInsurance.net is an online service that offers free instant quotes from well-known health insurance providers. The online platform allows consumers to compare multiple quotes and get help from their licensed agents which are available across USA. By simply submitting a zip code, consumers can explore a list of health coverage options which suits their needs and situation.

What’s Included with HealthInsurance.net?

  • Primary care visit
  • Diagnostic tests and imaging
  • Preventive care services
  • Hospitalization
  • Immediate medical attention
  • Outpatient surgery
  • Pregnancy care
  • Mental health, behavioural health, or substance abuse needs
  • Rehabilitation and habilitation services
  • Dental or eye care for children

*Information stated above are excerpted from Humana

Types of Health Insurance Plans

Businesses and Organizations

Yes

Individuals and Families

Yes

Short-Term Health Insurance

Not Stated

 

*Based on Humana. Please check your provider for the types of health insurance plans they offer.

Plans Reviewed

Bronze Plan

  • Out-of-pocket limit: $6,450 per individual and $12,900 per family
  • No overall annual limit for specific covered services
  • Overall deductibles: $6,450 per individual that do not include preventive care services
  • Other covered services: Hearing aids, Chiropractic care, Home health care, Routine foot care

*Humana Bronze 6450/Cincinnati/Northern KY HMOx

Silver Plan

  • Overall deductible: $4,600 per person which do not apply to preventive care services and prescription drugs
  • Out-of-pocket limit: $6,300 per individual and $12,600 per family
  • No annual maximum limit for selected covered services
  • Other deductibles: $1,500 per individual for prescription drug coverage
  • Other covered services: Bariatric surgery for morbid obesity, Routine eye care, Routine foot care, Home care, Infertility treatment, and Chiropractic care

*Humana Connect Silver 4600/6300

Gold Plan

  • Overall deductibles: $2,250 per individual which do not apply to preventive care services
  • No other deductibles on specific services
  • No annual limit of specific covered services
  • Out-of-pocket limit: $3,500 per individual and $7,000 per family
  • Other covered services: Hearing aids, Routine foot care, Home health care, Chiropractic care

*Humana Gold 2250/Norton plus Just For Kids HMOx

Platinum Plan

  • No overall annual limit on specific covered services
  • Overall deductible: $1,000 for every individual that do not apply to prescription drugs and preventive care services
  • Other deductibles: $500 per individual for prescription drugs
  • Out-of-pocket limit: $1,500 per person and $3,000 per family
  • Other covered services: Hearing aids for children under 18, Routine foot care, Routine eye care, Chiropractic care, and Home health care

*Humana Platinum 1000/Louisville HMOx

**Please check your chosen provider for more details

How Much Does It Save You?

 

Bronze

Silver

Gold

Platinum

Services Offered

In-Network

(Your Cost)

Out-of-Network

(Your Cost)

In-Network

(Your Cost)

Out-of-Network

(Your Cost)

In-Network

(Your Cost)

Out-of-Network

(Your Cost)

In-Network

(Your Cost)

Out-of-Network

(Your Cost)

Diagnostic Tests and Imaging

None

Not covered

Imaging: 20% co-insurance

Diagnostic Test: No Charge for the first $500 then 20% coinsurance

Not Covered

$500 per calendar year paid at 100%; thereafter subject to deductible and 20% coinsurance

Not Covered

$500 per calendar year paid at 100%; thereafter subject to deductible and 20% coinsurance

Not covered

Primary Care

None

Not covered

$25 co-pay per visit

Not covered

$20 co-pay per visit

Not covered

$25 co-pay per visit

Not covered

Preventive Care Services

None

Not covered

None

Not covered

None

Not covered

None

Not covered

Generic Drugs

No charge for all prescription drugs

Not covered

$10-$20 co-pay for retail and $20-$40 co-pay for mail order

Not covered

$5-$10 co-pay for retail and $12.50 to $25 co-pay for mail order

Not covered

$5-$10 co-pay for retail and $10-$20 co-pay for mail order

Not covered

Specialty Drugs

No charge for all prescription drugs

Not covered

50% co-insurance

Not covered

35% co-insurance

Not covered

35% co-insurance

Not covered

Emergency Room Services and Medical Transportation

None

Not covered

20% co-insurance

20% co-insurance

Room service: $250 co-pay per visit and 20% co-insurance

Medical Transportation: 20% co-insurance

Room service: $250 co-pay per visit and 20% co-insurance

Medical Transportation: 20% co-insurance

20% co-insurance

Not covered

Urgent Care

None

Not covered

$50 co-pay per visit

Not covered

$40 co-pay per visit

Not covered

$50 co-pay per visit

Not covered

Pregnancy Care

None

Not covered

20% co-insurance

Not covered

20% co-insurance

Not covered

20% co-insurance

Not covered

Hospitalization

None

Not covered

20% co-insurance

Not covered

20% co-insurance

Not covered

20% co-insurance

Not covered

Outpatient Surgery

None

Not covered

20% co-insurance

Not covered

20% co-insurance

Not covered

20% co-insurance

Not covered

Mental/Behavioral Health Outpatient Services

None

Not covered

20% co-insurance

Not covered

$20 co-pay per visit

Not covered

20% co-insurance

Not covered

Mental/Behavioral Health Inpatient Services

None

 Not covered

20% co-insurance

Not covered

20% co-insurance

Not covered

20% co-insurance

Not covered

 

*Information stated above is from Humana Health Insurance Plans

Annual Maximum

Bronze

None

Silver

None

Gold

None

Platinum

None

*Depends on the health insurance provider

Summary

HealthInsurance.net is an excellent source of information for available healthcare insurance plans from its list of partner health insurance providers. The online platform allows consumers to get free quotes and explore multiple health insurance coverage with just a few clicks. Help is available from its licensed agents who are ready to assist consumers in making more informed decisions.

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