Humana, also known as HumanaOne is among the largest health insurance companies nationwide and is quickly becoming one of the market leaders for Virginia individual and family health insurance. With a portfolio of plans for every need and a growing physician network, Humana will be a market force for years to come.
Everyone has different needs when determining the health plan that’s right for them. Humana offers a range of options so you can secure the coverage that’s right for you. These new plans feature more comprehensive benefits than before and include a range of deductible and network options to suit everyone’s budgets. Preventative care is fully covered under each plan when you visit an in-network doctor – includes services such as immunizations, PSA screenings, Mammograms, and well-child care.
Humana offers plans off the health insurance exchanges only – subsidies cannot be applied to these plans.
The catastrophic plan features a PPO network to go with a range of benefit structures including preventative care. Children’s dental and vision coverage is included in the catastrophic plan. Only one plan option is offered for this level. Below is a general overview of the benefits under each plan:
Humana National Preferred Basic 6350/6350 with Children’s Dental
|Network Type – PPO (Preferred Provider Organization)|
|Deductible||Out-of-Pocket Limit||Coinsurance||Preventative Care||Doctor Office Visits|
|$6,350||$12,700||$6,350||$12,700||0% after deductible||Fully covered – in-network||
Primary Care Physician – $25 Copay for first 3 visits, then 0% after deductible*
Specialist – 0% after deductible
|Prescription Drug Coverage|
|Level 1||Level 2||Level 3||Level 4|
|0% after deductible||0% after deductible||0% after deductible||0% after deductible|
*If you visit an in-network doctor and they’re apart of the Concentra group, you can save extra money on your copays. Copays for visits to Concentra doctors are $25 – they are $35 for non-Concentra in-network physicians.