Humana One Health Insurance
Humana offers the HumanaOne health insurance plans for individuals and families in Georgia with competitive premiums and a large national doctor network. HumanaOne provides choice and flexibility with their health plans - you can choose a traditional copay health plan with several deductible options or an HSA Qualified high deductible health plan. Optional benefits include your choice of two dental plans, an supplemental accidental benefit and term life insurance.
HumanaOne Individual and Family Health Insurance
| Member Benefits | In-Network |
|---|---|
| Video Review | Enhanced HSA 100%  |
| Brochure | Enhanced HSA 100% plan |
| Individual Deductible | $1,500, $2,500, $3,500, $5,000, $5,950 |
| Family Deductible Type | Aggregate - No per member deductibles, all family members expenses accumulate towards satisfying the one family deductible |
| Family Deductible Maximum | Two times the individual deductible |
| Coinsurance | Humana pays 100% after the deductible |
| Coinsurance Maximum | $0 |
| Out-of-Pocket Maximum | Your chosen deductible |
| Primary Care Office Visit | 100% after deductible |
| Specialist Office Visit | 100% after deductible |
| Preventive Care | $0 copay, deductible waived |
| Urgent Care Facility | 100% after deductible |
| Emergency Room | 100% after deductible |
| Inpatient Hospital | 100% after deductible |
| Rx Deductible | Same as medical deductible |
| Rx Coverage | Deductible then 100%, Drug List |
| Optional Benefits | Dental, Supplemental Accident, Term Life Optional Benefits Brochure |
| Get Rates and Apply | HumanaOne Direct, or Multi-Carrier quotes |
 Humana Enhanced HSA 100 Plan Review |
Plan Benefit Highlights: Affordable aggregate deductible HSA health plan. Items to Consider: Plan has separate mental health 12 month waiting period and a separate mental health deductible equal to medical deductible. Medical Underwriting: Humana may increase your premiums due to preexisting health conditions, or exclude coverage with an exclusion rider. Some conditions may also include a condition specific deductible, but then Humana pays 100%. All preexisting conditions disclosed on the application are covered, as long as the condition wasn't excluded. Rates and Renewals: New business rates are competitive and guaranteed for the first year. Renewal rates are similar to the new business rates. |
| Member Benefits | In-Network |
|---|---|
| Video Review | Humana Enhanced 80% |
| Brochure | Enhanced Copay 80% Plan |
| Individual Deductible | $500, 1,000, $1,500, $2,000, $2,500, $3,500, $5,000 |
| Family Deductible Maximum | Three times the individual deductible |
| Coinsurance | Humana pays 80% after the deductible, your responsibility is 20% |
| Coinsurance Maximum | $2,500 Individual / $5,000 Family |
| Out-of-Pocket Maximum | Add your deductible to the Coinsurance Maximum |
| Primary Care Office Visit | $35 |
| Specialist Office Visit | $60 |
| Preventive Care | $0 copay, deductible waived |
| Urgent Care Facility | $60 |
| Emergency Room | Separate $100 access fee then 80% after deductible |
| Inpatient Hospital | 80% after deductible |
| Rx Deductible | $500 - does not apply to Level 1 Generics, optional lower $150 Rx deductible |
| Rx Coverage | Level 1: $15, Level 2: $35, Level 3: $60, Level 4 Self Injectables: 35%, Drug List |
| Optional Benefits | Dental, Supplemental Accident, Term Life Optional Benefits Brochure |
| Get Rates and Apply | HumanaOne Direct, or Multi-Carrier quotes |
Humana Enhanced Copay 80% Review |
Plan Benefit Highlights: Unlimited co-payments for office visits with the deductible waived. Humana pays 100% for diagnostic lab and x-ray up to $500 per calendar year, then you pay 20% after your deductible. Coinsurance maximums are low at $2,500 per Individual and $5000 per family combined. Items to Consider: No co-payments for urgent care facilities or the emergency room - optional $1,000 or $2,500 supplemental accident rider available. Family deductibles are three per family combined. Medical Underwriting: Humana may increase your premiums due to preexisting health conditions, or exclude coverage with an exclusion rider. Some conditions may also include a condition specific deductible, but then Humana pays 100%. All preexisting conditions disclosed on the application are covered, as long as the condition wasn't excluded. Rates and Renewals: New business rates are competitive and guaranteed for the first year. Renewal rates are similar to the new business rates. |
| Member Benefits | In-Network |
|---|---|
| Video Review | Humana Copay 80% |
| Brochure | Copay 80% Plan |
| Individual Deductible | $3,500, $5,000 |
| Family Deductible Maximum | Three times the individual deductible |
| Coinsurance | Humana pays 80% after the deductible, your responsibility is 20% |
| Coinsurance Maximum | $3,500 Individual / $7,000 Family |
| Out-of-Pocket Maximum | Add your deductible to the Coinsurance Maximum |
| Primary Care Office Visit | $35 co-payment for the first six visits, then 20% after deductible. Primary Care and Specialist share office visit co-payment limit. |
| Specialist Office Visit | $60 co-payment for the first six visits, then 20% after deductible. Primary Care and Specialist share office visit co-payment limit. |
| Preventive Care | $0 copay, deductible waived |
| Urgent Care Facility | $60 |
| Emergency Room | Separate $100 access fee then 70% after deductible |
| Inpatient Hospital | 80% after deductible |
| Rx Deductible | $700 - does not apply to Level 1 Generics, optional lower $300 Rx deductible |
| Rx Coverage | Level 1: $15, Level 2: $35, Level 3: $60, Level 4 Self Injectables: 35%, Drug List |
| Optional Benefits | Dental, Supplemental Accident, Term Life Optional Benefits Brochure |
| Get Rates and Apply | HumanaOne Direct, or Multi-Carrier quotes |
Humana Copay 80% Review |
Plan Benefit Highlights: Six office visit co-payments for Primary Care and Specialists combined. Humana pays 100% for diagnostic lab and x-ray, including allergy testing, up to $400 per calendar year, then you pay 80% after your deductible. Items to Consider: No co-payments for urgent care facilities or the emergency room - optional $1,000 or $2,500 supplemental accident rider available. Medical Underwriting: Humana may increase your premiums due to preexisting health conditions, or exclude coverage with an exclusion rider. Some conditions may also include a condition specific deductible, but then Humana pays 100%. All preexisting conditions disclosed on the application are covered, as long as the condition wasn't excluded. Rates and Renewals: New business rates are competitive and guaranteed for the first year. Renewal rates are similar to the new business rates. |
| Member Benefits | In-Network |
|---|---|
| Video Review | HSA 100% |
| Brochure | HSA 100% plan |
| Individual Deductible | $1,500, $2,500, $3,500, $5,000, $5,950 |
| Family Deductible Type | Aggregate - No per member deductibles, all family members expenses accumulate towards satisfying the one family deductible |
| Family Deductible Maximum | Two times the individual deductible |
| Coinsurance | Humana pays 100% after the deductible |
| Coinsurance Maximum | $0 |
| Out-of-Pocket Maximum | Your chosen deductible |
| Primary Care Office Visit | 100% after deductible |
| Specialist Office Visit | 100% after deductible |
| Preventive Care | $0 copay, deductible waived |
| Urgent Care Facility | 100% after deductible |
| Emergency Room | 100% after deductible |
| Inpatient Hospital | 100% after deductible |
| Rx Deductible | Does not apply |
| Rx Coverage | No coverage, Discount prescription card provided |
| Optional Benefits | Dental, Supplemental Accident, Term Life Optional Benefits Brochure |
| Get Rates and Apply | HumanaOne Direct, or Multi-Carrier quotes |
Humana HSA 100 Plan Review |
Plan Benefit Highlights: Very affordable aggregate deductible HSA health plan. Items to Consider: Plan does not cover prescriptions, mental health or chiropractic care. Humana provides a discount prescription card and you may use your tax free HSA funds to pay for these qualified medical expenses. Medical Underwriting: Humana may increase your premiums due to preexisting health conditions, or exclude coverage with an exclusion rider. Some conditions may also include a condition specific deductible, but then Humana pays 100%. All preexisting conditions disclosed on the application are covered, as long as the condition wasn't excluded. Rates and Renewals: New business rates are competitive and guaranteed for the first year. Renewal rates are similar to the new business rates. |
| Member Benefits | In-Network |
|---|---|
| Video Review | Humana Copay 70% |
| Brochure | Copay 70% Plan |
| Individual Deductible | $1,500, $2,500, $5,000 |
| Family Deductible Maximum | Three times the individual deductible |
| Coinsurance | Humana pays 70% after the deductible, your responsibility is 30% |
| Coinsurance Maximum | $5,000 Individual / $10,000 Family |
| Out-of-Pocket Maximum | Add your deductible to the Coinsurance Maximum |
| Primary Care Office Visit | $35 co-payment for the first three visits, then 30% after deductible. Primary Care and Specialist share office visit co-payment limit. |
| Specialist Office Visit | $60 co-payment for the first three visits, then 30% after deductible. Primary Care and Specialist share office visit co-payment limit. |
| Preventive Care | $0 copay, deductible waived |
| Urgent Care Facility | $60 |
| Emergency Room | Separate $125 access fee then 70% after deductible |
| Inpatient Hospital | 70% after deductible |
| Rx Deductible | $1,000 - does not apply to Level 1 Generics, optional lower $500 Rx deductible |
| Rx Coverage | Level 1: $15, Level 2: $40, Level 3: $65, Level 4 Self Injectables: 35%, Drug List |
| Optional Benefits | Dental, Supplemental Accident, Term Life Optional Benefits Brochure |
| Get Rates and Apply | HumanaOne Direct, or Multi-Carrier quotes |
Humana Copay 70% Review |
Plan Benefit Highlights: Humana pays 100% for diagnostic lab and x-ray, including allergy testing, up to $300 per calendar year, then you pay 70% after your deductible. Items to Consider: Three office visit co-payment limit for Primary and Specialist office visits combined. No co-payments for urgent care facilities or the emergency room - optional $1,000 or $2,500 supplemental accident rider available. Medical Underwriting: Humana may increase your premiums due to preexisting health conditions, or exclude coverage with an exclusion rider. Some conditions may also include a condition specific deductible, but then Humana pays 100%. All preexisting conditions disclosed on the application are covered, as long as the condition wasn't excluded. Rates and Renewals: New business rates are competitive and guaranteed for the first year. Renewal rates are similar to the new business rates. |
Humana Short Term Health Insurance
| Member Benefits | In-Network |
|---|---|
| Brochure | Humana 100/75 Short Term Plan, Humana 80/60 Short Term Plan |
| Benefit Period | minimum 30 days, maximum 12 months |
| Individual Deductible | $500 - 80/60 plan only, $1,000, $2,500, or $5,000 |
| Family Deductible Maximum | Two family members must each meet their individual deductible |
| Coinsurance | Choose either: 80% / 20% or 100% / 0% (Humana% / Your%) |
| Coinsurance Maximum | You pay your coinsurance % chosen for the next $10,000 after the deductible, coinsurance on the 100/75 does not apply since Humana pays 100% after the deductible. |
| Out-of-Pocket Maximum | Add your deductible plus your coinsurance maximum |
| Lifetime Maximum | $2 million |
| Primary Care Office Visit | Deductible then your chosen coinsurance |
| Specialist Office Visit | Deductible then your chosen coinsurance |
| Preventive Care | See brochure |
| Urgent Care Facility | Deductible then your chosen coinsurance |
| Emergency Room | Deductible then your chosen coinsurance |
| Inpatient Hospital | Deductible then your chosen coinsurance |
| Rx Deductible | Same as medical |
| Rx Coverage | Deductible then your chosen coinsurance |
| Get Rates and Apply | Paper Application, Humana Direct, Multi-Carrier Short Term quotes |
HumanaOne Short Term Medical Review |
Plan Benefit Highlights: A quality short term policy with several deductible and coinsurance options. Humana does cover some preventive care services including child wellness services from birth through age 5 - without the deductible applied, Pap smears, mammograms - age 35 and older and prostate screenings - age 40 and over after the deductible. Humana does offer a benefit duration of up to 12 months. Items to Consider: As with all short term plans pre-existing health conditions not covered and the policy is non-renewable. Medical Underwriting: Only four health questions to be considered for coverage. Rates and Renewals: Short term medical rates are competitive and guaranteed for the benefit period selected. |
HumanaOne Dental Insurance
| Member Benefits | In Network |
|---|---|
| Brochure | Traditional Plus, see page two |
| Dental Plan Type | Dental Insurance |
| Individual Deductible | $50 |
| Family Deductible Maximum | $150 |
| Annual Maximum Benefit | $1,000 per person |
| Preventive Services Oral exam Cleanings Bitewing x-rays |
100%, No deductible |
| Basic Services Fillings Extractions |
50% after deductible, six month waiting period applies |
| Major Services Crowns Root Canals Dentures |
50% after deductible, twelve month waiting period applies |
| Orthodontics | Discounts provided |
| Dental Provider Network | Humana One Dental Providers |
| Dental Rates | Vary per county, tend to average about $35-50 for single coverage |
| How to Apply | Add Traditional Plus dental when applying for a Humana health plan |
Humana Traditional Plus Dental Review |
Plan Benefit Highlights: A true dental insurance PPO plan with benefits provided in and out of network. In network pre-negotiated dental fees will provide a higher level of benefits. Items to Consider: Waiting periods for basic and major services. Rates and Renewals: Rates and renewal premiums tend be moderately expensive. |
| Member Benefits | In Network |
|---|---|
| Brochure | Preventive Plus |
| Dental Plan Type | Dental Insurance for covered services, discounts on non-covered services |
| Individual Deductible | $50 |
| Family Deductible Maximum | $150 |
| Annual Maximum Benefit | $1,000 per person |
| Preventive Services Oral exam Cleanings Bitewing x-rays |
100%, No deductible |
| Basic Services Fillings Extractions |
60% after deductible, six month waiting period applies |
| Major Services Crowns Root Canals Dentures |
Not covered, services discounted when received in-network. |
| Orthodontics | Discounts provided by in-network providers |
| Dental Provider Network | Humana One Dental Providers |
| Monthly Dental Rates | One member: $16.99, Two members: $32.98, Three plus members: $56.97 |
| How to Apply | Add Preventive Plus dental when applying for a HumanaOne health plan or Humana offers this dental plan as a stand alone dental plan by completing the application. |
Humana Preventive Plus Dental Review |
Plan Benefit Highlights: A good dental insurance PPO plan for preventive and basic dental services with benefits provided in and out of network. Good premiums for the benefits provided. Items to Consider: Six month waiting period for basic services. Major dental and orthodontic services are discounted in network only. Rates and Renewals: Rates and renewal premiums are very competitive. |