Humana One in Virginia offers a wide variety of plans to suit every budget, including one of the most affordable options from any company, called Monogram.  The plan features preventative care benefits paid before the deductible, fixed co-payments for prescription drugs, 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 their most aggressive underwriting with Monogram, which can be a better option if you have certain pre-existing medical conditions.  Click here to view the Humana Monogram benefit summary.  Humana Monogram includes the following benefits:

Deductibles – $7,500 deductible.  One deductible per person, maximum of two per family.  Specified benefits paid 100% after deductible.

Office Visits – No charge after deductible.  Unlimited visits.

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 – $40 co-payment.  Tier 3 – $65 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.

Professional & Diagnostic Services – 100% after deductible.

Inpatient Services – 100% after deductible.  Overnight hospital or facility stays.

Outpatient Services – 100% after deductible.  Services without overnight stays.

Emergency Room Services – 100% after deductible, plus $125 co-payment.  Co-payment waived if admitted to hospital.

Maternity – Not covered.

To compare Humana Monogram 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.