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Humana One Health Insurance Company Review – Humana Plans and Quotes

Humana, founded in 1961 as a nursing home company, grew to become one of the largest of its kind within a decade. Within twenty years it became one of the largest hospital companies in America, and now, 47 years later, it is one of the largest publicly traded health benefits companies in the US and is ranked 150 in the Fortune 500.

Humana is headquartered in Louisville, Kentucky and has 7 million medical members primarily in 22 states and Puerto Rico. The company offers coordinated health insurance coverage and related services through traditional and internet-based plans to employer groups, government-sponsored plans and individuals. Humana provides services to companies with fewer than ten employees to companies who employ thousands. Small businesses are offered a wide range of products and services designed specifically to meet their needs. It also has specialty products such as dental, life and disability insurance.


Humana Choice Care Network includes more than 320,000 physicians and ancillary care providers in fifty states and DC, serving 1.3 million PPO members. Their HMO plan has received accreditation from the national Committee for Quality Assurance (NCQA) and the American Accreditation Healthcare Commission (AAHC). Also, Humana is the first health benefits company to achieve registration for its Personal Nurses and Transplant Management Services.

Humana health insurance quotes are available in the following states:

South Carolina
North Carolina


Humana One is Humana’s individual insurance plan. Within the Humana One system a number of different types of policies are available. An individual or family can elect to choose from four deductibles: $500, $1,000, $2,500 and $5,000. After the deductible expense is met, the Human Health Insurance policy pays 80{1bba59ef0f837d981c3bbc138a719a91ccf1421d7c126b09b2d5ffa1685c30db} of the next $10,000 in covered expenses, the 100{1bba59ef0f837d981c3bbc138a719a91ccf1421d7c126b09b2d5ffa1685c30db} up to $5,000,000. Doctor visits are included in the 80{1bba59ef0f837d981c3bbc138a719a91ccf1421d7c126b09b2d5ffa1685c30db} coverage after the deductible is met. However, prescriptions are covered after a $500 deductible with a co-payment: $10 for generic drugs, $30 for brand name drugs, and $50 for drugs not listed on their formulary list.

Humana offers custom build-your-own plans such as the Portrait Plan, Monogram Plan, Autograph Plan and the Autograph Plan/HSA.
Portrait Plan

This plan is designed for those who want to minimize risk in their lives and want the major coverage by offered by big employers. This plan could be a benefit to those who are self employed and also for those individuals who are early retirees from a company that does not offer health insurance.
The in-network co-insurance operates on a 80{1bba59ef0f837d981c3bbc138a719a91ccf1421d7c126b09b2d5ffa1685c30db}/20{1bba59ef0f837d981c3bbc138a719a91ccf1421d7c126b09b2d5ffa1685c30db} formula, where the insurance pays 80{1bba59ef0f837d981c3bbc138a719a91ccf1421d7c126b09b2d5ffa1685c30db} and the subscriber pays 20{1bba59ef0f837d981c3bbc138a719a91ccf1421d7c126b09b2d5ffa1685c30db}. This plan also offers unlimited office co-payments as long as you stay in network for your physician visits

Monogram Plan

The Monogram Plan offers a safety- net in coverage in case you ever need it. It’s designed to provide low cost protection for those who are healthy and seldom visit a doctor. Those who avail themselves of this plan are generally those who are no longer covered under their parent’s policies, college graduates, undergraduates, those who work part-time and those who work for a company that does not offer group insurance.
Autograph Plan

This plan has the most flexibility in regard to designing a health plan that works the best for an individual’s specific needs. It also offers the better options for those who need to make to make multiple office visits due to injury or illness.

Autograph Plan/HSA

The benefits and options offered in the Autograph Plan are also available in the Autograph Plan/HSA. In addition you can avail yourself of potential tax advantages by using a HSA that lets you pay for qualified medical expenses with tax deductible contributions.

Optional Additions to Individual and Family Policies

Maternity Coverage. Premiums are an additional $107 dollars per month and the deductible is increased by $500. The insurance then pays up to 60{1bba59ef0f837d981c3bbc138a719a91ccf1421d7c126b09b2d5ffa1685c30db} of the costs of routine pregnancy and childbirth.

Dr. Co-payments. This option allows an individual to purchase four Doctor’s visits per year with a $25 co-pay for each visit. If you have more than four doctor’s visits within a year you are subject to the deductible and co-insurance.

Dental insurance
Disability insurance

While Humana may offer very good coverage for the individual or older families who are no longer having children, it may not meet the needs for the family that is still growing. Paying only up to 60{1bba59ef0f837d981c3bbc138a719a91ccf1421d7c126b09b2d5ffa1685c30db} for pregnancy and childbirth, a Humana Maternity policy still leaves the family with a pretty hefty out- of- pocket expense. Also, to be noted is that Dental Insurance is only available to those who all ready have a health insurance plan with Humana.


To decide if Humana One may be a good choice for your health insurance needs then be sure and compare quotes from many different companies side by side.