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Humana

Humana Inc. (Humana) is a health and supplemental benefits companies. The Company is a full-service benefits solutions company, offering an array of health and supplemental benefit plans for employer groups, government benefit programs, and individuals. As of December 31, 2007, Humana had approximately 11.5 million members in its medical benefit plans, as well as approximately 6.8 million members in its specialty products.

Humana is committed to helping employers manage their healthcare costs, guiding consumers to make informed health and benefits decisions, and giving back to the communities they serve.

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About Humana

Humana offers traditional insurance plus innovative plans that give consumers greater choice and control. With all their plans, you have access to personalized guidance to help you choose and use your plan – so you can make the best decisions for your budget and your healthcare needs.

Humana, Inc.

Corporate Headquarters:
500 West Main Street
Louisville, Kentucky 40202
(502) 580-1000
CEO:
Michael McCallister
Employee Number:
25,000+
2008 Revenue:
$25.3 Billion

Product Types Offered

Individuals

Are you self-employed, an early retiree, a small business employee, or an employee at a company that no longer offers group health insurance? Or are you simply looking to replace your current individual health plan? The answer is HumanaOne®.

They offer five types of plans:

Portrait
HumanaOne® Portrait™ is the personal health plan with concierge-level service and benefits you’d expect from big employers.

  • A valued addition to your overall financial plan
  • Pays benefits for covered hospital inpatient and outpatient services, emergency room care, preventive care, and even prescription drugs
  • Extensive PPO network which more than likely includes the doctors, hospitals and pharmacies you now use

Autograph
HumanaOne® Autograph™ is a personal health plan with the right balance of features and benefits that fit your lifestyle.

  • Choose the level of protection you want, at a cost that fits your budget
  • Pays benefits for covered hospital inpatient and outpatient services, emergency room care, preventive care, and certain plans also cover prescription drugs
  • Extensive PPO network which more than likely includes the doctors, hospitals and pharmacies you now use

Monogram
HumanaOne® monogram™  is Humana’s most affordable personal health plan that provides a safety net of coverage.

  • Low-cost protection just in case of an unforeseen medical event.
  • Includes a preventive care benefit that helps cover your annual exams and physicals
  • With our extensive network, you'll more than likely be covered anywhere a medical emergency strikes.

Short Term
This plan is designed for people who need health insurance for a short period of time, so it could be the kind of affordable coverage you’re looking for right now. If you’re a student about to graduate (and no longer eligible under your parents’ plan), waiting for Medicare coverage, a seasonal or temporary worker, recently unemployed, or starting a new job, short term coverage is a great option. It could also be a less expensive alternative to COBRA. (Please note: if you choose a Short Term plan instead of COBRA, you’ll lose HIPAA eligibility.)

Annual Max
If you're looking for health insurance that offers both an affordable premium and a low annual deductible and do not feel you need coverage for major expenses that could exceed $100,000 or $250,000, an Annual Max plan from HumanaOne may be the appropriate choice for you.

Employers

Employer-provided insurance helps three out of five Americans manage healthcare costs. Humana offers plans and spending accounts for all types of companies:

SmartSuite
SmartSuite® is a package of benefits your employer offers that provides you a choice of plans as well as guidance in holding down your healthcare costs.

High Deductible Health Plan (HDHP)
A specially designed PPO or POS plan compatible with the Health Savings Account (HSA).

Personal Care Account PPO
A Preferred Provider Organization (PPO) health plan combined with a personal healthcare spending account.

CoverageFirstSM
Catastrophic coverage plus a $500-per-member benefit allowance for in-network services.

Preferred Provider Organization (PPO)
A health plan with a wide choice of providers and discounts for using in-network doctors and hospitals.

Health Maintenance Organization (HMO)
Predictable costs for you and an emphasis on your relationship with a primary care physician (PCP).

Point of Service (POS)
Similar to an HMO but with flexibility to seek services outside the network.   

Humana Classic
A plan for members who live outside Humana’s network areas.

Medicare Plans

Medicare is the nation’s largest health insurance program, covering 40 million Americans. It was designed to provide high-quality health care to people 65 and over, as well as to others with disabilities. Humana offers Medicare Advantage plans, many of which include prescription drug coverage, as well as stand-alone Medicare Part D prescription drug plans and Medicare Supplement plans.

Humana offers two basic types of plans:

Medicare Advantage Plans
Humana offers a variety of Medicare Advantage plans that include all the benefits of Original Medicare – and many plans include prescription drug coverage.

Humana Prescription Drug Plan (PDP)
When you choose one of Humana's three Part D plans, you receive personalized guidance to help you save money on prescription drugs.

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Provider Network

At Humana, they recognize the importance of obtaining a supplier base capable of and committed to providing high-quality products and services to our associates and customers.

Network Facts

Health Care Networks:

  1. Physician/ Specialist
  2. Hospital
  3. Prescription Drug
  4. Pharmacy
  5. Dentist
  6. Urgent Care Center
  7. Other Facility/ Service

Recent News

Here are some of the most recent news regarding Humana:

Humana and BG Medicine Enroll More Than 6,800 Participants in BioImage Study Focused on Heart Attack Prediction

LOUISVILLE, Ky. & WALTHAM, Mass.--(BUSINESS WIRE)--Imagine if doctors could easily detect the conditions that cause many heart attacks or strokes – in time to prevent the life-threatening attacks. BG Medicine and Humana (NYSE: HUM) have enrolled 6,822 Humana members in a study intended to develop new diagnostics for predicting heart attacks and strokes in the months or years before they happen. Although effective treatments are likely to exist and several new treatments are being developed, only reliably finding people who are at high risk can make effective prevention of first heart attacks and strokes possible. The Humana members volunteered to participate in the study.(Continue Reading)

Rating

Humana’s rating, as rated by A.M. Best Company. A.M. Best Company is a full-service credit rating organization dedicated to serving the financial services industries, including the banking and insurance sectors.

Financial Strength Rating
Rating: A- (Excellent)
Financial Size Category: VIII ($100 Million to $250 Million)
Outlook: Stable
Action: Affirmed
Effective Date: June 05, 2009

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