Humana Health Insurance is a large health insurance provider that is based in Louisville, Kentucky. They have almost 9 million members, making them one of the country’s largest publically traded health insurance companies. With a reputation for taking advantage of new opportunities and making change a positive thing, Humana Health Insurance has a highly respected place in the health insurance industry.

Humana Health Insurance offers comprehensive health insurance coverage and other related products to employer groups, government sponsored plans and individuals. Humana Health Insurance gives everyone a “one stop” shopping experience in order to be able to build a personalised complete coverage package.

As well as providing basic health coverage, Humana Health Insurance also has many specialised products including life, disability and dental insurance. Human Health Insurance works with companies of all sizes to ensure that they can find appropriate quality health care benefits and related services for their employees. Small businesses are as well catered for by the Humana Health Insurance offerings as larger ones are.


Humana Health Insurance is perpetually looking for new and innovative ways to keep health insurance costs at a reasonable level. They encourage their members to look at all possible health coverage options and to take an active part in their own health care management.

The Humana Health Insurance SmartSuite plan has been designed to help Humana subscribers design their own health coverage. Since the SmartSuite was launched, member companies have seen an annualized claims pattern in the range of 5-6%, compared to the national average

Humana Health Insurance coverage is available in the following places:
Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Nebraska, Nevada, New Mexico, North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, West Virginia, Wisconsin

Options offered by Humana Health Insurance
Choice and flexibility are the cornerstones of Humana Health Insurance service. Customers have the ability to use over 350,000 medical care providers across the country as well as close to 3,000 participating hospitals.

Humana Health Insurance tries to make it as simple as possible for their customers to build the perfect health insurance plan to suit their individual needs and financial situations. Humana Health Insurance offers three main plan options including: the the Portrait Plan, the Autograph Plan, and the Monogram Plan. The details of these plans differ on a state to state basis so it is important to make sure that you clarify the details of the plan you are considering with your insurance broker.

The Humana Health Insurance Portrait Plan gives you a solid program that is designed for clients who need benefits like those offered to large employer groups. It is also a good choice for individual who would like to keep their risk at a minimum as well as those who may want to make use of medical services at a future time.

The Humana Health Insurance Portrait Plan provides high quality health insurance coverage to individuals who are self employed, work for small companies that do not offer their employees health insurance or people who take early retirement. The Humana Health Insurance Portrait plan includes an unlimited doctor’s office co-pay, and 80 Plus Rx. The coinsurance for this plan is 80% and the network deductibles fall between $1,000 and $2,500 for individuals and $2,000 - $5,000 for families

Unlimited office co-payments in the Humana Health Insurance Portrait plan are dependent on your using in-network primary care doctors. It is possible to saves hundreds of dollars a year by using the discount programs that are offered to Human Health Insurance members by a wide range of retailers and health care providers. These discounts include: glasses and contact lenses, laser procedures and eye exams when you use the Eye and Vision services.

The Autograph plan is another excellent program on offer from Humana Health Insurance. This program includes: prescriptions benefits, Co-pay and the Share 80 Plus plan. It is a great option for people who are looking for the right balance of benefits and special feature to work with their lifestyle. For those people who need to have a bit more control over their own health care and who make several visits to their doctor over the course of the year the Humana Health Insurance Autograph plan is a great option.

Both the 80 Plus Rx plan and Co-pay are popular components of the Humana Health Insurance Autograph offerings. These options are tailored to work with the individual member’s needs and financial circumstances. Humana Health Insurance knows that a “one size fits all program” doesn’t work in the health care industry.

The Humana Health Insurance Autograph plan even offers discount programs on optical care and services, prescriptions drugs costs and wellness services. There are certain limitations in place with the Autograph plan so make sure that you can are eligible for all of the program components you are interested in, in your home state.

The Humana Health Insurance Autograph with an HSA plan is another great offering. This plan is the same as the regular Autograph Plan but includes the added component of a Health Savings Account. This Human Health Insurance plan is appealing for people who want to be in control of their health care finances and who can take advantage of the tax benefits that an HSA offers. With an HSA plan you set up an account with a participating financial institution and then choose when and how much of the funds you wish to spend on health care.

The Humana Health Insurance Autograph plan covers 100% of the in-network co-insurance. In net-work deductibles run between $2,000 to $5,200 for individuals and $4,000 and $10,400 for families. The lifetime maximum payment is $2 million.

The Monogram Plan is yet another high quality program offered by Human Health Insurance. This is the right choice if you need low monthly premiums and are generally in good health. The Humana Health Insurance Monogram plan is designed for individuals who don’t have any other access to health insurance. It is an economical plan that gives you the comfort of having health insurance if you need it. It even includes annual physical exams and other wellness options.

The Humana Health Insurance Total Plus Rx plan gives you 100% in-network co-insurance on prescription drugs. It has a $2 million cumulative maximum and the deductibles for this program are approximately $7,500 for individuals and $15,000 for families. This plan is designed to give you coverage if and when you require it without spending money on benefits that you will never want to make use of.

The Humans Health Insurance Monogram plan is a great option for people who need a higher deductible, low premium plan. There is annual rate guarantee that comes with the Monogram plan which means that as long as you don’t make any changes to your plan and you continue to live in the same zip code area then you do not need to sign a contract.