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Comparing Health Insurance Options

Here’s a quick comparison between all three HumanaOne personal health insurance plans. This is a general overview of plan features. The policy contains the actual terms and conditions. Waiting periods, limitations and exclusions apply.

 
 
What is this plan about? HumanaOne Portrait is our premium personal health insurance plan providing big employer benefits and concierge-level service. HumanaOne Autograph is our flexible personal health insurance plans offering the right balance of cost and coverage to fit your financial plan. HumanaOne monogram is our most affordable personal health insurance plan with one low monthly premium for a safety net of coverage if you ever need it. 
Who’s this coverage for? 
  • People who want similar benefits provided by big employers
  • People who prefer to minimize risk in their lives
  • People who like to take charge of their own well-being
  • People who seek the right combination of features and benefits
  • People who appreciate the tax-saving benefits of a Health Savings Account
  • People who are healthy and seldom visit doctors and hospitals
  • People who want low-cost protection just in case a catastrophe happens
What’s the deductible? Depending on where you reside, HumanaOne Portrait Personal Health Plans are typically available with annual deductibles of:
  • Single coverage –$1,000, $2,500
  • Family coverage – $2,000, $5,000
Deductibles listed are for network providers; there is a separate deductible for out of network providers. Get a quote to see what’s available in your area.		 Depending on where you reside, HumanaOne Autograph Personal Health Plans are typically available with annual deductibles of:
  • Single coverage – $1,500; $2,000; $2,500; $3,000; $3,500; $4,000; $5,000; $5,200; $6,000
  • Family coverage – $3,000; $4,000; $5,000; $6,000; $7,000; $8,000; $10,000; $10,400; $12,000
Deductibles listed are for network providers; there is separate deductible for out of network providers. Get a quote to see what’s available in your area.		 HumanaOne monogram Personal Health Plans are typically available with annual deductibles of:
  • Single coverage –$7,500
  • Family coverage – $15,000
Deductibles listed are for network providers; there is a separate deductible for out of network providers. Get a quote to see what’s available in your area.
For family coverage, is there a separate deductible for each individual, as well? Yes, each family member has a separate deductible. However, the family deductible is two times the individual deductible – so if two or more family members are covered, only two have to meet the separate individual deductible to satisfy the family deductible. For HumanaOne Autograph HSA-Qualified, High-Deductible plans, the family deductible applies to all covered family members, so one person’s covered expenses could satisfy the deductible for the entire family. For non-HSA HumanaOne Autograph plans, each family member has a separate deductible, but only two have to meet the separate individual deductible to satisfy the family deductible. Yes, each family member has a separate deductible. However, the family deductible is two times the individual deductible – so if four or more family members are covered, only two have to meet the separate individual deductible to satisfy the family deductible.
What happens after I meet the deductible? Please reference the plan benefit sheet for the amount of coinsurance for covered medical expenses in your state. Coinsurance varies depending on where you live. Please reference the plan benefit sheet for the amount of coinsurance for covered medical expenses in your state. If you have an HSA-Qualified, High-Deductible plan, you can use HSA funds to pay your share, if any. Please reference the plan benefit sheet for the amount of coinsurance for covered medical expenses in your state.
Do I have copayments? Yes, some services require copayments. Some HumanaOne Autograph plans require copayments; others do not have copayments. Yes, some services require copayments.
Do copayments help reduce my deductible? No, medical and prescription drug copayments do not apply to your deductible or out-of-pocket maximum. For HumanaOne Autograph plans with medical and prescription drug copayments, these copayments do not apply to your deductible or out-of-pocket maximum. No, medical and prescription drug copayments do not apply to your deductible or out-of-pocket maximum.
Does this plan provide any tax benefits? No. Yes, some HumanaOne Autograph plans meet the IRS requirements of High-Deductible Health Plans. These plans are designed to offer tax advantages when used in conjuction with a Health Savings Account (HSA). No.
How are prescription drugs covered? Copayments as low as $15 for common prescriptions. Certain drug levels require meeting a separate prescription deductible. See plan benefit sheet for details. Depending on which HumanaOne Autograph plan you choose you may have copayments as low as $15 for common prescriptions. Certain drug levels require meeting a separate deductible. However, some HumanaOne Autograph plans do not have a prescription drug benefit. See plan benefit sheet for details. Copayments as low as $15 for common prescriptions. Certain drug levels require meeting a separate prescription deductible. See plan benefit sheet for details.
Are dental expenses covered? No, unless the service is related to an injury. A separate dental plan is available as an optional benefit. No, unless the service is related to an injury. A separate dental plan is available as an optional benefit. No, unless the service is related to an injury. A separate dental plan is available as an optional benefit.