Humana One in Virginia offers a wide variety of plans to suit every budget. Their most affordable plan with benefits similar to traditional group health insurance is the Autograph Share 80 Plus Rx. The plan features fixed co-payments for office visits and prescription drugs, lower premiums, and a deductible carryover. The deductible carryover means that any money paid towards the deductible in the last three months of the calendar year will be applied to your deductible for the following calendar year. Humana also offers even more aggressive underwriting with Autograph Share 80, which can be helpful if you have certain pre-existing medical conditions. Click here to view the Autograph Share 80 Plus Rx product brochure. Humana Autograph Share 80 includes the following benefits:
Deductibles – $5,000 or $6,000 deductible. One deductible per person, maximum of two per family. 80% benefit paid after deductible, 100% paid after the maximum out of pocket expense has been reached ($2,000 in addition to plan deductible)
Office Visits – $35 for primary care physicians, $50 for specialists. Up to 6 visits per year, then subject to deductible.
Lifetime Maximum – Unlimited
Preventative Care for Children – 100% before deductible, no waiting periods, co-payments or out of pocket expenses required for covered services.
Preventative Care for Adults and Children age 7 and up – 100% before deductible, no waiting periods, co-payments or out of pocket expenses required for covered services.
Prescription Drugs – Brand name and generic both covered, no annual maximum (this is a VERY important benefit!). Tier 1 – $15 co-payment. Tier 2 – $35 co-payment. Tier 3 – $55 co-payment. Tier 4 – 25% co-payment (maximum out of pocket expense of $2,500 per person per year). Separate $1,000 prescription deductible per person for tiers 2, 3, and 4. Optional rider available to lower prescription deductible to $500.
Professional & Diagnostic Services – First $200 per year paid 100% for lab, x-ray, and allergy testing. Then 80% after deductible, 100% after maximum out of pocket limit reached.
Inpatient Services – 80% after deductible, 100% after maximum out of pocket limit reached. Overnight hospital or facility stays.
Outpatient Services – 80% after deductible, 100% after maximum out of pocket limit reached. Services without overnight stays.
Emergency Room Services – 80% after deductible, plus $75 co-payment. 100% after maximum out of pocket limit reached. Co-payment waived if admitted to hospital.
Maternity – Not covered.
To compare Humana Autograph Share 80 with other plans available from Humana or other Virginia health insurance companies, please click here or complete the short form below. You can also e-mail us at Info@terminsurancebrokers.com 24 hours a day or call 1-800-571-2980 between the hours of 9 AM and 9 PM eastern time.