The issue age for insurance through HumanaOne is two weeks to 64 ½ years. For most states, the maximum age for a dependent child is 24 years if the child is a full-time student and 18 years if the child is not a full-time student. The minimum issue age for a dependent child is two weeks. The minimum issue age for a child only policy is two months. If you are a current HumanaOne member, please call customer service for eligibility details or to add a dependent.

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).

Important information about pre-existing conditions

Unfortunately, not everyone qualifies for individual health insurance. People who have been diagnosed with, or treated for the conditions listed below may be denied coverage. Failure to disclose any health information may result in your policy being modified or terminated as of the original effective date.

• AIDS/HIV
• Cancer
• Chronic Obstructive Pulmonary Disease (COPD)
• Crohn's Disease
• Diabetes
• Emphysema
• Heart Attack, Stroke, Angioplasty
• Hepatitis or Liver Disease
• Fibromyalgia
• Depression, if hospitalization required
• Organ or Tissue Transplant
• Anorexia or Bulimia

This list is not inclusive; other conditions may apply. Coverage may also be denied to individuals who are severely obese, severely underweight, or who are undergoing or awaiting the results of diagnostic tests, treatments, surgery, biopsies, or lab work. In addition, coverage cannot be provided to expectant parents or children less than two weeks old.

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

Residents of the states of Arizona, Florida, North Carolina, Nevada, Ohio*, 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.

*Enrollment limits are in effect in the state of Ohio. Please contact your Department of Insurance for more information.