The Humana One traditional PPO products provide solid major medical coverage at a competitive price. All plan options include comprehensive prescription benefits. Preventive care benefits are emphasized.
The $1000 deductible and $2500 deductible plans are the most popular. Pricing for the $500 deductible plan is often such that only an irrational person would buy it.
Most people will be best served by sticking with the basic Humana One traditional PPO coverage and resisting any urge to purchase the office visit co-pay option or the $0 deductible prescription option.
Most individual health plans don't offer decent coverage for routine maternity expenses, but the Humana One maternity option is an exception -- especially for people in Indiana.
For Humana One policies in Indiana, there's no waiting period for benefits under the routine maternity option. This makes it a uniquely attractive benefit.
In Illinois, Humana One maternity benefits are subject to a 12-month waiting period, and we tend to view Blue Cross and Blue Shield of Illinois as a more attractive option for those who need maternity coverage.
The Humana ChoiceCare PPO network is an extensive national network with solid representation in Illinois and Indiana. You'll have little difficulty finding a participating physician or hospital throughout the populated parts of the USA. All ChoiceCare network claims are submitted straight to Humana, which owns the network.
The phone-in application is popular for people who don't like to complete forms. If you invest a little time organizing your information for the phone interview, the process typically takes about 30 minutes.
However, you may not be connected with an underwriting interviewer on your first call, and some resulting telephone tag is not unusual. In addition, phone-in application is not available during late evenings and on Sunday. You can avoid callback delays and proceed at your own pace by using the Humana One online application.
You can access all the Humana One application options in the menu appearing to the left.
In comparison to most other health insurers, the Humana One application and underwriting process is fast -- whether you apply via the phone-in application or online application. In fact, for healthy applicants, it's not unusual for conditional approval to be issued during the phone-in application interview.
Humana has built an efficient and responsive administrative organization for the Humana One product line. Correspondingly, our customers tend to have a comparatively better experience with the Humana application process.
Through liberal use of exclusion riders and additional rate charges, Humana offers flexible coverage terms and may accept some applicants declined by other insurers.
All insurers charge more for smokers, but Humana's additional charge is more than most. We're not saying smokers should avoid the Humana One products, but there are other plans you might want to consider before Humana.
Humana will waive the pre-existing condition limitation for conditions disclosed on the application, provided benefits relating to those conditions are not already excluded under the policy. This is a definite advantage over most of the competing plans in Illinois and in Indiana.
Conditions specifically excluded by rider are never covered.
Humana introduced the Humana One products only a few years ago. Since then, Humana One sales have grown rapidly, and Humana has done a good job of building up their administrative organization to keep pace with the needs of their customers. Phone hold times are generally short and Humana representatives are, in our view, well-trained and knowledgeable.
Though Humana is not one of the industry behemoths (such as Wellpoint, United HealthCare and Aetna), they're a Fortune 500 company and a nationally recognized player in the health insurance industry.
During the last decade a lot of multi-line insurance companies have exited the individual health insurance business. This is unlikely to happen with Humana as they're a pure health insurance company with what looks to be an unwavering commitment to the Humana One individual product.
