Humana Health Insurance Review

#14 in Health Insurance

Humana is a health and wellness company which offers insurance services for agent and brokers, employers, providers, individuals and families. The company provides health insurance policies for supplemental, vision, and dental health.  

What’s Included with Humana?

  • 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

Types of Health Insurance Plans

Businesses and Organizations

Yes

Individuals and Families

Yes

Short-Term Health Insurance

Not Stated

Other Plans Offered:

  • Vision Insurance
  • Dental Plans

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

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

 

Annual Maximum

Bronze

None

Silver

None

Gold

None

Platinum

None

*Only on specific covered services

Summary

No annual limits on specific covered services and extensive medical coverage makes Humana’s health insurance plans one of the best plans available. However, limited availability to certain states makes it important that you first check if this is offered in your area.  

 

 

Start your review for Humana Health Insurance