HumanaOne




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Call Center Hours

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Monday - Thursday
8am - 9pm
Friday
8am - 7pm
Saturday
8am - 5pm
*All times EST

Eligibility

The issue age for insurance through HumanaOne is two weeks to 64 1/2 years. The maximum issue age for a dependent is 25 years old, unless specified higher by your state. The minimum issue age for a dependent child is two weeks. If you are a current HumanaOne member, please call customer service for eligibility details or to add a dependent.

For Short Term Medical plans

The issue age for a HumanaOne Short Term Medical plan is 30 days to 64 years and 11 months. The maximum issue age for a dependent is 25 years old, unless specified higher by your state. The minimum issue age for any dependent child on a short term medical health insurance policy (including child only policies) is 30 days.

Short Term Medical plans are currently available in the following states: Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Illinois, Indiana, Kansas, Kentucky, Michigan, Mississippi, Missouri, Nebraska, Ohio, Oklahoma, Texas and Wisconsin.

You must be approved through medical underwriting when applying for a HumanaOne individual health plan. In general, you may be eligible if:

  • You are generally in good health;
  • Your height and weight is proportionate for someone of your age and gender;
  • You are not pregnant or expecting a child (including fathers);
  • You currently have an active or pending policy with Humana.

Important information about pre-existing conditions

Although we make every effort to extend coverage to all applicants, not everyone will qualify. People who've been diagnosed with certain conditions may be denied coverage. Coverage may also be denied to people who are undergoing or awaiting the results of diagnostic tests, treatments, surgery, biopsies, or lab work. In addition, coverage can't be provided to expectant parents (male or female), to children younger than 2 weeks old, or to adults older than 64.5 years. The pre-existing condition limitation does not apply to a covered person who is under the age of 19. This exemption does not apply to Short Term Medical Plans.

Other eligibility requirements may apply.

Health Insurance Portability and Accountability Act of 1996 (HIPAA) Eligibility Information

Residents of the states of Arizona, Florida, Nevada, Ohio1, Tennessee, Utah, and Virginia may be eligible for a non-medically underwritten plan under the Health Insurance Portability and Accountability Act of 1996 (HIPAA). To qualify for a non-medically underwritten plan, individuals must meet specific criteria. Qualified individuals are eligible for guaranteed issue coverage without medical underwriting or pre-existing condition waiting periods.

In order to be considered eligible for a non-medically underwritten plan, all of the following conditions must be met:

  • You must have at least 18 months of continuous creditable coverage without any significant breaks (greater than 63 days);
  • Your most recent health coverage (link to FAQs page) was under a group health plan, governmental plan, or church plan, or health insurance coverage offered in connection with any such plan; or
  • (Florida residents only) Your most recent prior creditable coverage was under an individual plan issued in the State of Florida by a health insurer or HMO where the coverage was terminated due to the insurer or HMO becoming insolvent or discontinuing the offering of individual coverage in the State of Florida, or due to the insured no longer living in the service area in the State of Florida of the insurer or HMO that provides coverage through a network plan in the State of Florida;
  • Your most recent health coverage was not cancelled due to non-payment of premium or because of fraud, (Florida residents only) unless such nonpayment of premiums or fraud was due to acts of an employer or person other than you;
  • You must have accepted COBRA or State Continuation coverage if offered, and exhausted such coverage.

You are NOT eligible for a non-medically underwritten plan if any of the following apply:

  • You are eligible for coverage under another group plan;
  • You are eligible for Medicare Part A or Part B;
  • You are eligible for a State plan under Title 19 and do not have other health insurance coverage;
  • (Florida residents only) You are eligible for a conversion policy or contract issued by an authorized insurer or HMO offered to an individual who is no longer eligible for coverage under either an insured or self-insured employer plan.

If you think you may be eligible for a non-medically underwritten plan and would like more information on available plan benefits and rates, please contact us.

  1. Enrollment limits are in effect in the state of Ohio. Please contact your Department of Insurance for more information.
Find the plan that fits your needs and budget today!

Insured by Humana Insurance Company, Humana Health Plan, Inc., Humana Health Insurance Company of Florida, Inc., Humana Health Benefit Plan of Louisiana, Inc., HumanaDental Insurance Company, or The Dental Concern, Inc.,or offered by Humana Employers Health Plan of Georgia,Inc.,or Humana Medical Plan,Inc.

For Arizona residents: Insured by Humana Insurance Company or HumanaDental Insurance Company. For Texas residents: Insured by Humana Insurance Company or HumanaDental Insurance Company or DentiCare Inc. For Mississippi residents: Insured by Humana Insurance Company or HumanaDental Insurance Company or CompBenefits Insurance Company.