Humana is one of largest health insurance providers in the country, with almost 9 million members in the U.S. Humana has one of the largest networks in the nation as well as Illinois that includes more than 400,000 doctors, hospitals, pharmacies, dentists, and specialists. Their rates are usually very competitive, especially on their higher deductible plans.
Health Insurance Plans
Humana has several plans that offer choice and flexibility where you can add various optional benefits, an advantage over other insurance companies. Choose the plan that best fits your personal lifestyle and needs, then add any extras from dental benefits and supplemental accident benefits to prescription medication and life insurance options.
Short-Term Insurance Plans
Affordable short-term health insurance that provides individuals and families with essential protection against unexpected accidents or illness. Humana short-term plans utilize the ChoiceCare PPO Network that includes more than 400,000 physicians and ancillary care providers in 50 states and the District of Columbia.
Humana short-term plans are a good temporary health insurance solution if you are:
- Experiencing a gap in employer coverage or can’t afford COBRA.
- Waiting for employer coverage to begin.
- Between jobs or laid off
- Losing dependent status
- Looking for a lower-cost alternative to COBRA
- Recently graduated and still seeking your dream job.
- Age 64 and about to retire, but not yet eligible for Medicare.
Humana short term plans cover many of the most costly health care services, including:
- Access to the Humana PPO network, one of the largest PPO networks in Illinois that includes over 90% of doctors and hospitals
- Inpatient and outpatient medical, surgical and hospital services.
- Diagnostic services.
- Emergency care
- Office visits
- Prescription drug coverage
- Physical, occupation and speech therapy
Dental and Vision Insurance Plans
Rate Information
Rates for all three Humana plans are available on our instant quote page.
Rates vary based on age, zip code of residence, and other factors. Humana’s rates are very competitive, particularly for their higher deductible plans. When running your quote, please note that rates are often lower when placing the younger spouse as primary insured.
The premium can be paid via monthly, quarterly, semi-annual, or annual billing, or a monthly bank draft. There is a $10 fee for quarterly and monthly billing. The bank draft will occur on the premium due date each month. The initial premium can be paid with a check or credit card.
Network
Humana utilizes the ChoiceCare network, which includes more than 400,000 physicians and ancillary care providers in 50 states and the District of Columbia. Humana plans are portable, so you can move throughout the country without having to change insurance companies,and still have access to their large network. View the complete ChoiceCare PPO Network (check the HumanaOne and Member radio buttons, enter your zip code and click Go. Then select the Humana/ChoiceCare PPO Network and click Go).
Underwriting
The Humana Health Insurance underwriting process is extremely fast. Someone from their underwriting department will call you to do a telephone interview. Often times you can be given a conditional approval during the telephone interview, if no medical records are needed. If medical records are needed, Humana issues a decision within 48 hours after receipt of records.
One important aspect of Humana’s underwriting process is that it is done up-front only, when the application is submitted. Many insurance companies will underwrite again when a claim is submitted, and may retroactively place a waiver on a plan if a claim occurs in the first 12 months and they determine that it was a pre-existing condition. With Humana, if you do not receive a rate up or rider when you receive the policy, they cover the condition based on the plans benefits, and do not re-underwrite.
Underwriting guidelines are much more lenient for plans with deductibles of $2,500 or higher. Additionally, Humana has a history of paying claims quickly and currently pays 92% of all claims in 8 days or less.
Effective Dates
If you currently have or have recently had coverage, you can request an effective date any time between the day you apply and 45 days later. If an underwriter gives you conditional approval, your health insurance coverage can go into effect immediately. If you have not had major medical health insurance within the past two months, you will have the choice of an effective date of 30 to 45 days after the application submission date.
Please contact us for more information on getting this coverage in place – right away if necessary