Humana One provides affordable health insurance coverage for individuals and
families, self-employed entrepreneurs, students, recent college graduates, and
early retirees, and anyone who may be uninsured. Humana One is a division of
Humana Inc. which is one of the nation's largest publicly traded health benefits
companies, with over 11 million medical members. 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.
Below are reviews and testimonials about Humana One health insurance plans.
If you have any questions about Humana One as to the differences between
policies or what policies are available in your state, you can
call toll free 1-877-698-6645 to speak
with a health insurance specialist who will be able to answer your questions
about Humana One health insurance.
HumanaOne Alabama Health Insurance Review:
I live in Alabama and have been using Humana for the past three years. My health
insurance plan is a HumanaOne preferred provider organization. the customer
service is excellent. So far, I have not had a claim for any of the various
procedures and treatments denied. Humana provides a wide range of excellent
benefits.
We have access to the following services: there is access to a fitness club, and
ask a nurse hot line. The members have access to in and out and of network
pharmacies, doctors, specialists, and hospitals that are available for the
members to choose from. Our smart summary is available online and in print.
There is an online program called Myhumana. When you register for the program,
you will have access to your claims history, and your prescription history. You
can keep a personal health record. The program also has wellness, health
conditions and discounts on various health and nutrition products.
My premiums have gone up and down. In the three years that I’ve been using
Humana I paid $154 in addition to my dental premium of $26. In 2009 I paid $139
plus the $26 dental premium. The quality of service that is being provided to us
has always remained the same. My co-pays are very reasonable. Primary care
office visits are $35. Specialists office visits are $45. There are no co-pays
for flue and pneumonia vaccines. Mammograms and pelvic exams also have no
co-pay. I am allowed to have 2 exams, x-rays and cleanings a year. The co-pays
for my medicines very because each drug that I take is covered in a different
category. If I want to use my out of network benefits, I have to pay an annual
$5000 deductible. I pay out of pocket for any procedures and treatments until I
meet my deductible. After I’ve met the deductible, all I will have to pay is the
co-pay, and any part of the claim that has an outstanding balance.
I will stay with Humana for a long time. In Alabama Humana has excellent rates.
HumanaOne will always be my first choice because the customer service is
exemplary.
Humana One Wisconsin Health Insurance Review:
I have a Wisconsin individual PPO family health plan through Humana One. It’s
called the Portrait Share 80 and the family deductible is $5,000. With me on
this plan are my two children ages 8 and 5 and our monthly premium is about
$363. For a single mom this is a bit much for me on premium, but I am very happy
with the coverage so I keep paying my premium. This plan is much like group
insurance as in Humana covers us at 80% and we are responsible for the remaining
20% once our deductible has been met. We have unlimited doctor office visits
co-pays for $35, and unlimited specialist visits for $50. This does not include
services rendered during the visit. Which means any diagnosis or treatment we
receive during that visit we have to pay for, out-of-pocket, at Humana’s
negotiated rate (if I go to a doctor in-network) until my deductible is met. The
negotiated rate is good as things like x-rays for the kids and some random tests
we had to do had a well adjusted rate.
Our family’s HumanaOne deductible will not be met until two people from our
family meet their individual deductible. The individual deductible is $2,500
which is why only two people have to meet that deductible to satisfy the
family’s $5,000 deductible. This also means that one person will not be able to
satisfy the family’s deductible alone. So if I end up with a hospital bill for
$10,000, our family deductible is not met, although I have satisfied my
individual deductible. When I hit the $2500 deductible I am also eligible for
the 80% coverage. I think this is standard with most insurance. We have out-of-network coverage that will cover us at a 60% after we reach our
deductible. Any money paid for out-of-network services still goes towards our
plans deductible, however, our plans deductible doubles if we go out-of-network.
But, if we are in a situation where we have no choice but to use an
out-of-network doctor, such as a medical emergency in which we cannot be
transported to an in-network provider, we will be billed as in-network. I did
have to use my plan when I was in Chicago, and I was still in Humana’s network.
It was great because they transferred the medical records over to St. Mary’s in
Green Bay.
We do have dental on this plan, but not vision as it was not offer as an
addition to our plan. Dental covers our preventatives at 100%. We each get two
free cleanings a year and major services are covered. I have only used the
dental for getting my kids teeth’s cleaned, however, I do see that I have thumb
sucking coverage available with dental. This will be something I will now use
for my 5 year-old and this will be covered at 50%. There is a 6 month waiting
period which we have already satisfied.
All-in-all HumanaOne is great coverage for people in Wisconsin who have to
purchase their own health insurance.
HumanaOne Copay 70% Plan Review:
This is a great option for people willing to pay 30% co-insurance and save money
on premium. For applicants who have had major medical insurance sometime during
the last 63 days, the effective date can be as soon as you enroll. For
applicants with NO health insurance for the last 63 days you will have two start
dates:
1) Once approved your policy starts on the day you requested, as will the
coverage for preventive care and accidental injuries.
2) In addition, if you have NO prior insurance for the last 63 days, your start
date for sickness begins on the 15th day after the effective date is approved.
This means if you are currently sick with a cold or flu or such illness, and you
currently have had NO health insurance for the last 63 days, you must have the
plan 15 days before you can go to the doctor.
The HumanaOne Copay 70% Plan has three deductibles to choose from: 1500, 2500,
and 5,000. Each of these plans include 3 office visits per a person per a year.
The office visits are only $35 copay for a primary doctor and $60 copay for a
specialist or for use of an urgent care visit. Women will be happy to know that
Preventive coverage for Pap smear and mammogram are NOT subject to deductible or
coinsurance.
Should you need an emergency room visit, the access fee will only be $125 per a
visit. However, if you are admitted you will not have to pay the $125 fee.
Alabama HumanaOne Health Insurance Review:
In today's economy you hear a lot of pros and cons of health insurance
coverage. Some of the more common issues discussed range from the expense of
coverage to frustration over what health insurance won't cover. We have all been
there and realize one of the most important benefits to have in today's world is
health insurance coverage. The confusion comes in choosing what company, what
type of coverage and what sort of plan you need to have to better serve your
needs. I'm hoping that by sharing my experiences with you that you will be able
to make a more informed decision in your choice.
Living in Alabama I chose a PPO through HumanaOne health insurance. As with
everyone searching for health insurance coverage, I had to decide what types of
coverage would be most beneficial, as I was carrying health insurance for my
entire family. Taking into consideration varying aspects of our health situation
played a major part. For example; my husband requires special attention for his
eyes due to a pre-existing condition from a childhood disease which effected his eyes, I also
require glasses. For this reason choosing Vision coverage was important for our
family. Dental coverage was also a high priority due to prior dental damage that
requires regular maintenance.
I know that when I first saw the premium cost of $392.00 based on a monthly pay
schedule, I suffered a case of "sticker" shock. However, when I began tabulating
our average monthly expenses based on our health, vision and dental issues, this
cost was saving me money overall. This was a very important factor in my
decision to sign up for this health insurance coverage.
Another consideration in my choice of health insurance coverage was the co-pays
involved. Our doctor's visits are only $35.00 with a prescription co-pay of no
more than $35.00 for name brand prescriptions. Given the amount of maintenance
medications required by both my husband and I, these co-pays are very economical
for our budget.
The emergency co-pays were also very reasonable. I made 3 Emergency room visits,
one of which required x-rays. The highest bill I received was for $250.00. This
expense was a lot easier to bear then a bill for hundreds of dollars, which is
what it would have cost without this coverage.
The customer service my family received was excellent. I was referred by my
Gynecologist for a procedure to remove excess facial hair caused by a medical
condition. I was warned that my health insurance coverage might not cover the
expense as many insurance companies saw this procedure as being cosmetic, even
though in my case it was caused by a medical condition. My doctor submitted the
request and within one week my appointment was scheduled and my health insurance
provider covered 80% or the expense, since this was considered an out patient
procedure that was the guidelines given on coverage.
The dental coverage was also a very cost effective decision. My husband was
involved in an accident at work, but without coverage through his job it was not
covered through his employer. We had to find him a dentist immediately, our
dental coverage picked up 100% of the cost for his treatment, as well as the
cost of the follow up treatments. All of this would have been impossible for us
to afford without our coverage.
Our Vision coverage was also something we were wise in acquiring. As I
previously stated my husband suffers from an issue with his eyes due to damage
from a childhood disease, on occasion my husband will suffer from an infection
in his eyes which cause them to swell shut until he is treated and receives the
antibiotics and eye drops required to clear up the condition. The drops
themselves cost $75.00 and there is no generic available for them, yet with our
coverage we paid only $35.00.
There is only one drawback that I have found with the coverage and that is the
$200.00 limit allowed for each family member on the preventive portion in
regards to physicals. But most preventive is covered 100% so only some years do
we pay extra charges on physicals. Other than that small drawback I have found
the Humana coverage to be a huge benefit.
Frequently Asked Questions:
Q: How large is Humana’s Network coverage?
A: Humana insures over 11 million Americans and has a large
network of 450,000 doctors to assist its members. Humana has in-network
doctors in all 50 states.
Q: I am moving from one state to another can I take my Humana policy with me?
A: In many instances you can keep you current Humana policy. For example if
someone in Alabama buys a HumanaOne policy and then moves to Florida, the plan
types are the same and you can take your coverage with you.
Insert your review here:
If you have a review of Humana One health insurance that you would
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reviews@HealthInsuranceReviews.com. HumanaOne health insurance reviews will be
posted as they are submitted.
For any questions about
Humana One
health insurance, deductibles, co-pay, or any
other health insurance related questions, please email us at
info@HealthInsuranceReviews.com.
Or you can call us toll free at
1-877-698-6645 to speak with a health
insurance specialist who can answer any questions you may have about HumanaOne health insurance or any other question about health insurance.
