Humana One Health Insurance
Colorado, Arizona, Nebraska, New Mexico, Wyoming, Texas
Note: All applications are subject to medical review.
Humana One - Flexible Benefits
Copay Plans
A copay plan may be a good fit for you if:
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You want predictable doctor's office visit costs:
Copay plans have copaysfor illness and injury doctor's office visits - either unlimited or a set number of visits per year
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You want to pay a copay when you fill a prescription.
Here's How You Can Customize Your Copay Plan:
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Choose your doctor's office visit coverage:
You can select plans that have copays for a set number of doctor's visits per year - or an "enhansed" plan that offers an unlimited number of doctor's visits covered under a copay.
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Choose your prescription deductibles:
You can lower your prescription drug deductible for an additional cost.
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Choose your coinsurance level:
These plans pay either 70% or 80% for covered in-network services after the deductible (until you reach your out-of-pocket maximum limit)
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Choose your optional benefits:
Options include dental, term life, supplemental accident, and deductible carryover credit.
The following Copay Plans are offered by Humana One (Click for Quotes and Plan Details):
100% After Deductible Plans
The 100% after deductible plan may be a good fit for you if:
- You want more predictable total annual costs:
With this plan, you'll know what you could pay out-of-pocket for covered in-network medical services each year - your deductible amount. Once you meet the deductible, the plan pays 100% for these services.
- You want the widest choice of deductible options:
Individual in-network deductibles range from $1500 to $7500. Family in-network deductibles range from $3000 to $22,500.
Here's How You Can Customize Your 100% After Deductible Plan:
- Choose your deductible:
Humana One offers a range of options, so you can select the deductible level that best fits your budget.
- Choose your prescription drug deductible:
If you get prescription drug coverage, you can lower your prescription drug deductible for an additional cost.
- Choose your optional benefits:
Options include dental, term life, supplemental accident, and deductible carryover credit.
The following 100% After Deductible Plans are offered by Humana One (Click for Quotes and Plan Details):
HSA Compatible Plans
HSA Compatible Plans may be a good fit for you if:
- You want lower premiums:
With this plan, you could save nearly 25% or more on monthly health plan premiums.
- You want to open a Health Savings Account (HSA):
The HSA could be a tax-free way to budget and pay for your deductible and other qualified medical expenses.
- You want a simple plan design:
Once you meet your deductible, the plan pays most in-network covered expenses at 100%, and certain preventive care services are not subject to the deductible.
Here's How You Can Customize Your HSA Compatible Plan:
- Choose a plan with prescription coverage:
If you get Rx coverage, prescription expenses will apply towards the same deductible as medical expenses.
- Choose whether you want an HSA:
Many people who have a HSA-qualified plan don't have a HSA; they just like the simple, affordable plan design. If you do want to set up an account, HumanaOne can provide convenient access to their banking partners where you can establish your HSA. Or, if you prefer, you can select your own bank.
- Choose your deductible:
HumanaOne offers several options that fit IRS requirements for HSA qualified plans.
- Choose your optional benefits:
Options include dental, term life, supplemental accident, and deductible carryover credit.
The following HSA Compatible Plans are Offered by Humana One (Click for Quotes and Plan Details):
Self-employed & Early Retirees
Whether you are self-employed, an early retiree, or you are looking to replace you current health insurance, consider HumanaOne Colorado for your individual insurance needs. Humana Colorado offers a portfolio of plans that make it easy for you to find the right coverage at a price that fits your budget. Make Humana of Colorado your first choice for flexible plan options, outstanding service, a large, nationwide, provider network, and much more! Why settle for "one size fits all" coverage when it is easy to match your needs with a personal health plan from Humana One? You select the plan that fits, then you shape it with additional benefits.
If you are self-employed, you may want to consider an HSA Compatible Plan. For more information about Health Savings Accounts, visit our HSA webpage.
Optional Dental, Life & Supplemental Accident Coverage
Humana One offers optional dental, life & supplemental accident coverage for an additional premium. Click to "Get a Quote" and customize your plan options and receive an instant quote for the plan that best suits your needs. Humana One also offers you the opporutinty to upgrade the lifetime maximum and to opt for a $0 deductible prescription drug card.
What is Supplemental Accident Coverage?
Supplemental Accident coverage is first dollar coverage that is paid by the insurance company in front of your deductible in the event of an accident, such as a broken bone or a trip to the ER for stitches. Humana One offers you the option to add either $500 or $1000 first dollar supplemental accident coverage to your health plan. This is an excellent option to add to an HSA compatible plan, such as the Total Plus Rx HSA, and it is offered at a very resonable price. Use the Humana Colorado quote website to determine the cost of adding a supplemental accident benefit to your healthplan.
Personal Website for Tracking Claims Status and More
Once you become a Humana One member, you will have access to your own, personal website, where you will be able to receive timely information about claims, benefits and payments.
Quick & Accurate Claims Processing
Humana's accuracy rate for processing claims is 99.6%, and 99.5% of claims are processed |
