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The
Humana Autograph HSA Plans are the most popular plans
that Humana offers. These plans allow you to set up
a health savings account, or HSA. This special bank
account allows you to deposit up to $2,900 per year as an
individual, or up to $5,800 per year as a family, into a tax-deductible
account that can be used to pay future medical expenses.
Money can be withdrawn tax-free to cover virtually any medical
expense. Any money not withdrawn can be invested how
you wish, and grows tax-free like an IRA. Funding an
HSA is a great way to build an additional retirement account.
For more information see our Health Savings
Accounts page.
Please
view the Autograph HSA Plan Brochures to see detailed information
including Plan Provisions, Limits & Exclusions, and State
Variations:
Total
Plus Rx/HSA 
- Total
HSA
- Share
80/HSA
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Plan
pays for services at
PARTICIPATING providers
|
Plan
pays for services at
NON-PARTICIPATING providers
|
| Annual
Deductible |
| · |
Annual
amount (does not apply to maximum out-of-pocket
expense) |
|
|
|
Maximum
Out-of-Pocket Expense
(after deductible) |
| · |
Individual
(must be satisfied by each covered person) |
|
|
|
Individual
$6,000
|
Family
$12,000
|
|
Preventive
Care |
| · |
Well-child
care (including immunizations) (birth to age 13) |
| · |
Routine
annual PSA and digital rectal exam |
| · |
Routine
annual Mammograms |
| · |
Routine
Annual physical exam (age 13 and older) |
| · |
Routine
immunizations
(age 13 to 18) |
| · |
Routine
lab, pathology and X-ray |
|
|
100%
covered
after deductible |
|
|
Physician Services |
| · |
Office
visits (includes diagnostic lab and X-ray) |
| · |
Allergy
testing and serum |
| · |
Outpatient
services (includes surgery) |
|
100%
covered
after deductible
|
You
pay 30% coinsurance
after
deductible
|
Hospital
Services |
| · |
Outpatient
surgery - facility |
| · |
Emergency
room (includes physician visits) |
|
100%
covered
after deductible
|
You
pay 30% coinsurance
after
deductible
|
Prescription Drugs |
| · |
Benefit
for each prescription or refill (up to 30-day supply) |
| · |
Mail
order (90-day supply) |
|
100%
covered
after deductible
|
You
pay 30% coinsurance
after
deductible
|
Other Medical Services |
| · |
Skilled
nursing facility (up to 30 days per calendar year) |
| · |
Home
health care (up to 60 days per calendar year) |
| · |
Durable
medical equipment |
| · |
Complications
of pregnancy and sick baby services |
| · |
Transplant
services (organ) ** |
|
100%
covered
after deductible
** when services are performed at a National Transplant
Network provider
|
You
pay 30% coinsurance
after
deductible
**
limited to $35,000 per covered transplant
|
| Mental
Health (mental disorders,
alcohol and chemical dependence) |
|
Inpatient
and Outpatient care (Combined $2,500 per calendar
year maximum. Outpatient care not to exceed
$500 of the $2,500 calendar year maximum.) |
|
You
pay 50% coinsurance
after
deductible
|
You
pay 50% coinsurance
after
deductible
|
Optional
Benefits |
| · |
Lifetime
Maximum Benefit |
| · |
$500
Supplemental Accident Benefit |
| · |
$1000
Supplemental Accident Benefit |
|
|
$8
million per covered person |
|
First
$500 per accident covered at 100%, then base plan
benefits apply |
|
First
$1000 per accident covered at 100%, then base plan
benefits apply |
|
|
$8
million per covered person |
|
First
$500 per accident covered at 100%, then base plan
benefits apply |
|
First
$1000 per accident covered at 100%, then base plan
benefits apply |
|
|
Lifetime
Maximum
|
$5,000,000
|
|
|
|
Plan
pays for services at
PARTICIPATING providers
|
Plan
pays for services at
NON-PARTICIPATING providers
|
| Annual
Deductible |
| · |
Annual
amount (does not apply to maximum out-of-pocket
expense) |
|
|
|
Maximum
Out-of-Pocket Expense
(after deductible) |
| · |
Individual
(must be satisfied by each covered person) |
|
|
|
Individual
$6,000
|
Family
$12,000
|
|
Preventive
Care |
| · |
Well-child
care (including immunizations) (birth to age 13) |
| · |
Routine
annual PSA and digital rectal exam |
| · |
Routine
annual Mammograms |
| · |
Routine
Annual physical exam (age 13 and older) |
| · |
Routine
immunizations
(age 13 to 18) |
| · |
Routine
lab, pathology and X-ray |
|
|
100%
covered
after deductible |
|
|
Physician Services |
| · |
Office
visits (includes diagnostic lab and X-ray) |
| · |
Allergy
testing and serum |
| · |
Outpatient
services (includes surgery) |
|
100%
covered
after deductible
|
You
pay 30% coinsurance
after
deductible
|
Hospital
Services |
| · |
Outpatient
surgery - facility |
| · |
Emergency
room (includes physician visits) |
|
100%
covered
after deductible
|
You
pay 30% coinsurance
after
deductible
|
| Prescription
Drugs |
|
Discount
card included
(This added value feature is not insurance.)
|
Not
Covered
|
Other Medical Services |
| · |
Skilled
nursing facility (up to 30 days per calendar year) |
| · |
Home
health care (up to 60 days per calendar year) |
| · |
Durable
medical equipment |
| · |
Complications
of pregnancy and sick baby services |
| · |
Transplant
services (organ) ** |
|
100%
covered
after deductible
** when services are performed at a National Transplant
Network provider
|
You
pay 30% coinsurance
after
deductible
**
limited to $35,000 per covered transplant
|
| Mental
Health |
|
Not
Covered
|
Not
Covered
|
Optional
Benefits |
| · |
Lifetime
Maximum Benefit |
| · |
$500
Supplemental Accident Benefit |
| · |
$1000
Supplemental Accident Benefit |
|
|
$5
million per covered person |
|
First
$500 per accident covered at 100%, then base plan
benefits apply |
|
First
$1000 per accident covered at 100%, then base plan
benefits apply |
|
|
$5
million per covered person |
|
First
$500 per accident covered at 100%, then base plan
benefits apply |
|
First
$1000 per accident covered at 100%, then base plan
benefits apply |
|
|
Lifetime
Maximum
|
$2,000,000
|
|
|
|
Plan
pays for services at
PARTICIPATING providers
|
Plan
pays for services at
NON-PARTICIPATING providers
|
| Annual
Deductible |
| · |
Annual
amount (does not apply to maximum out-of-pocket
expense) |
|
|
|
Maximum
Out-of-Pocket Expense
(after deductible) |
| · |
Individual
(must be satisfied by each covered person) |
|
|
|
Individual
$6,000
|
Family
$12,000
|
|
Preventive
Care |
| · |
Well-child
care (including immunizations) (birth to age 13) |
| · |
Routine
annual PSA and digital rectal exam |
| · |
Routine
annual Mammograms |
| · |
Routine
Annual physical exam (age 13 and older) |
| · |
Routine
immunizations
(age 13 to 18) |
| · |
Routine
lab, pathology and X-ray |
|
|
80%
covered
after deductible |
|
|
Physician Services |
| · |
Office
visits (includes diagnostic lab and X-ray) |
| · |
Allergy
testing and serum |
| · |
Outpatient
services (includes surgery) |
|
80%
covered
after deductible
|
You
pay 30% coinsurance
after
deductible
|
Hospital
Services |
| · |
Outpatient
surgery - facility |
| · |
Emergency
room (includes physician visits) |
|
80%
covered
after deductible
|
You
pay 30% coinsurance
after
deductible
|
| Prescription
Drugs |
|
Discount
card included
(This added value feature is not insurance.)
|
Not
Covered
|
Other Medical Services |
| · |
Skilled
nursing facility (up to 30 days per calendar year) |
| · |
Home
health care (up to 60 days per calendar year) |
| · |
Durable
medical equipment |
| · |
Complications
of pregnancy and sick baby services |
| · |
Transplant
services (organ) ** |
|
80%
covered
after deductible
** when services are performed at a National Transplant
Network provider
|
You
pay 30% coinsurance
after
deductible
**
limited to $35,000 per covered transplant
|
| Mental
Health |
|
Not
Covered
|
Not
Covered
|
Optional
Benefits |
| · |
Lifetime
Maximum Benefit |
| · |
$500
Supplemental Accident Benefit |
| · |
$1000
Supplemental Accident Benefit |
|
|
$5
million per covered person |
|
First
$500 per accident covered at 100%, then base plan
benefits apply |
|
First
$1000 per accident covered at 100%, then base plan
benefits apply |
|
|
$5
million per covered person |
|
First
$500 per accident covered at 100%, then base plan
benefits apply |
|
First
$1000 per accident covered at 100%, then base plan
benefits apply |
|
|
Lifetime
Maximum
|
$2,000,000
|
|
Note:
These charts contain a general summary of benefits, exclusions,
and limitations. Please refer to the Autograph HSA Plan
brochures for the actual terms and conditions that apply:
Total
Plus Rx/HSA
- Total
HSA
- Share
80/HSA
|
|
|
|
Coverage
Synopsis:
Total
Plus Rx/HSA Plan
The
Total Plus Rx/HSA Plan pays 100% of your medical expenses
and your prescription drugs after your annual deductible has
been met. The plan also pays for expenses up to 70% of
the total cost at Non-participating providers after the non-participating
provider deductible has been met.
Lifetime
maximum is $5 million, and can be increased to $8 million with
the optional lifetime maximum benefit.
Preventive
care is 100% covered with Participating providers before your
deductible. Some preventive care is not covered with Non-Participating
providers (such as: Routine annual physical exam (age 13 and
older), routine immunizations (age 13 and older), routine pap
smear, and routine lab, pathology and X-ray).
|
Choose
the Best Deductible for You with the Total Plus
RX/HSA Plan
|
|
Single
Deductible
Participating/
Non-Participating
|
Family
Deductible
Participating/
Non-Participating
|
Coinsurance
amount plan pays in-network/out-of-network after
deductible is met
|
Annual
Out-of-pocket Maximum (after the deductible
for Single/Family for Non-Participating Providers)
*
|
|
$1,500
/ $3,000
|
$3,000
/ $6,000
|
100%
/ 70%
|
$6,000
/ $12,000
|
|
$2,500
/ $5,000
|
$5,000
/ $10,000
|
100%
/ 70%
|
$6,000
/ $12,000
|
|
$3,500
/ $7,000
|
$7,000
/ $14,000
|
100%
/ 70%
|
$6,000
/ $12,000
|
|
$5,000
/ $10,000
|
$10,000
/ $20,000
|
100%
/ 70%
|
$6,000
/ $12,000
|
|
|
*With Participating
Providers your out-of-pocket maximum is your deductible.
Autograph
Total HSA Plan
The
Autograph Total HSA plan is similar to the Total Plus
Rx/HSA because it also pays 100% of your medical expenses after
your deductible, but it does not pay for your outpatient prescription
drugs. It does however include a discount card for your
prescriptions. The plan also pays for expenses up to 70%
of the total cost at Non-participating providers after the non-participating
provider deductible has been met.
Lifetime
maximum is $2 million, and can be increased to $5 million with
the optional lifetime maximum benefit.
Preventive
care is covered 100% with Participating providers before your
deductible. Some preventive care is not covered with Non-Participating
providers (such as: routine annual physical exam (age 13 and
older), routine immunizations (age 13 and older), routine pap
smear, and routine lab, pathology and X-ray).
|
Choose
the Best Deductible for You with the Total HSA
Plan
|
|
Single
Deductible
Participating/
Non-Participating
|
Family
Deductible
Participating/
Non-Participating
|
Coinsurance
amount plan pays in-network/out-of-network after
deductible is met
|
Annual
Out-of-pocket Maximum (after the deductible
for Single/Family for Non-Participating Providers)
*
|
|
$2,000
/ $4,000
|
$4,000
/ $8,000
|
100%
/ 70%
|
$6,000
/ $12,000
|
|
$3,000
/ $6,000
|
$6,000
/ $12,000
|
100%
/ 70%
|
$6,000
/ $12,000
|
|
$4,000
/ $8,000
|
$8,000
/ $16,000
|
100%
/ 70%
|
$6,000
/ $12,000
|
|
$5,200
/ $10,000
|
$10,400
/ $20,800
|
100%
/ 70%
|
$6,000
/ $12,000
|
|
|
*With Participating
Providers your out-of-pocket maximum is your deductible.
Autograph
Share 80/HSA Plan
The
Autograph Share 80/HSA plan is the most affordable of
the three plans. It pays 80% of your expenses after your
deductible is met and does not pay for outpatient prescription
drugs. It does however provide a discount card for your
prescriptions. The plan also pays for expenses up to 60%
of the total cost at Non-participating providers after the non-participating
provider deductible has been met.
Lifetime
maximum is $2 million, and can be increased to $5 million with
the optional lifetime maximum benefit.
Preventive
care is covered up to 80% with Participating providers before
your deductible. Some preventive care is not covered with
Non-Participating providers (such as: routine annual physical
exam (age 13 and older), routine immunizations (age 13 and older),
routine pap smear, and routine lab, pathology and X-ray).
|
Choose
the Best Deductible for You with the Share 80/HSA
Plan
|
|
Single
Deductible
Participating/
Non-Participating
|
Family
Deductible
Participating/
Non-Participating
|
Coinsurance
amount plan pays in-network/out-of-network after
deductible is met
|
Annual
Out-of-pocket Maximum (after the deductible
for Single with Participating/Non-Participating
Providers)
|
Annual
Out-of-pocket Maximum (after the deductible
for Family with Participating/Non-Participating
Providers)
|
|
$2,000
/ $4,000
|
$4,000
/ $8,000
|
80%
/ 60%
|
$2,000
/ $8,000
|
$4,000
/ $16,000
|
|
$3,000
/ $6,000
|
$6,000
/ $12,000
|
80%
/ 60%
|
$2,000
/ $8,000
|
$4,000
/ $16,000
|
|
|
*With Participating
Providers your out-of-pocket maximum is your deductible.
With All
three Autograph HSA Plans you can enjoy these extra benefits:
- Special
Discounts
- Eye
care and vision services - Save up to 45 percent
- Over-the
counter and prescription medication - Save up to 25 percent
- Chiropractic,
acupuncture, and massage therapy - Save up to 30 percent
- Health-related
products and services, including skin care, nutrition supplements,
and vitamins - Save up to 20 percent
- Access
to MyHumana for helpful health plan
information, medical information, cost savings tips, and
tools
- The convenience
of a one-stop destination for life, dental, and individual health
insurance
These
plans qualify as HSA-eligible. Combining a Health
Savings Account (HSA) with any HumanaOne HSA plan allows
you to make tax-deductible contributions, pay medical expenses
with pre-tax dollars, and earn tax-deferred interest. This
account works much like an IRA, except you may use your tax-free
savings for qualified medical expenses your health plan does not
cover, such as your deductible, contact lenses, or most types
of alternative medicine. If you do not use these funds,
they simply accumulate with interest, for distribution upon your
retirement.
Optional
Benefits:
Dental
Coverage
You can
choose any dentist, but you can save up to 30 percent on out-of-pocket
costs when you visit one of the more than 75,000 dentist locations
in the PPO network. The annual deductible is $50 for an
individual and $150 for a family.
The plan
pays 100% of all preventative services, then 50% after the deductible
for basic, major and teeth whitening services, up to an annual
maximum of $1,000. You can also receive up to a 20% discount
on orthodontia if you visit an orthodontist from the HumanaDental
PPO network and ask for the discount.
Cost for
this benefit is based on your individual characteristics, i.e.
age, gender, etc and rates start around $30 per month in addition
to the base premium. When you run a quote with us you
will see options with and without this optional benefit.
Lifetime
maximum
For $3 more
per month you can extend your coverage and get the added protection
you need with the $8 million lifetime maximum.
Supplemental
accident benefits
If you have
a minor accident that doesn't cost a lot, this benefit will
cover you right away--up to $500 or $1000 per incident, before
your deductible is required. Anything over the initial
benefit will go towards your deductible and base plan benefits
apply. The cost for an individual for this benefit is
an additional $8.12 per month. Family rates vary by number
of members and ages.
Rate
Information:
Rates for
all three Humana HSA plans
are available on our instant quote
page.
Rates
vary based on age, zip code of residence, and other factors.
Humana are very competitive,
particularly for their higher deductible plans. When running
your quote, please note that rates are often lower when placing
the younger spouse as primary insured.
The
premium can be paid via monthly, quarterly, semi-annual, or annual
billing, or a monthly bank draft. The bank draft will occur
on the premium due date each month. The initial premium
can be paid with a check or credit card.
PPO
Networks:
Humana
utilizes the ChoiceCare network.
Insureds can use Humana
doctors throughout the United States. Having access to the
PPO network can mean substantial discounts in what you pay for
your health care, even before you meet your deductible.
View the complete ChoiceCare
PPO Network (check the HumanaOne and Member
radio buttons, enter your zip code and click Go. Then select
the Humana/ChoiceCare PPO Network and click Go).
Please
note that the Humana PPO network has an inadequate number of providers
in the following counties in Colorado: Dolores, Hinsdale, Mineral,
Ouray, Saguache, San Juan, San Miguel.
The
Humana plans are portable,
so you can move throughout the country without having to change
insurance companies, and still have access to their large network.
Underwriting:
The
Humana Health Insurance underwriting process is extremely fast.
Someone from their underwriting department will call you to do
a telephone interview. Often times you can be given a conditional
approval during the telephone interview, if no medical records
are needed. If medical records are needed, Humana issues
a decision within 48 hours after receipt of records.
One
important aspect of Humana's underwriting process is that it is
done up-front only, when the application is submitted. Many
insurance companies will underwrite again when a claim is submitted,
and may retroactively place a waiver on a plan if a claim occurs
in the first 12 months and they determine that it was a pre-existing
condition. With Humana, if you do not receive a rate up
or rider when you receive the policy, they cover the condition
based on the plans benefits, and do not re-underwrite.
Underwriting
guidelines are much more lenient for plans with deductibles of
$2,500 or higher.
By the way,
Humana has a history of paying claims quickly and currently pays
92% of all claims in 8 days or less.
Effective
dates:
If
you currently have or have recently had coverage, you can request
an effective date any time between the day you apply and 45 days
later. If an underwriter gives you conditional approval,
your health insurance coverage can go into effect immediately.
If you have not had major medical health insurance within the
past two months, you will have the choice of an effective date
of 30 to 45 days after the application submission date.
If
you are ready to apply and have urgent question, please use our
contact form, or call our office
at 866-749-2045 and see if Carol can put you through to one of
our advisors. For more information on how to choose a plan
and apply for coverage, see our Consumer's
Guide page.
About
Humana:
Humana
Inc., headquartered in Louisville, Kentucky, is one of the nation's
largest publicly traded health benefits companies, with approximately
6.6 million medical members located primarily in 18 states and
Puerto Rico. Humana offers coordinated health insurance
coverage and related services - through traditional and Internet-based
plans - to employer groups, government-sponsored plans, and individuals.
Humana
Insurance Company has been assigned a rating of "A-"
(Excellent) from the A.M.
Best Company, an independent insurance rating organization.
ColoHealth
is an independent authorized Humana agent in Colorado.
"I
really appreciate your friendliness and how you pay attention to the details."
The
service at ColoHealth
has been friendly and professional. Tim was patient with my questions
and truly seemed to want to find the right plan for me, which in my case is
affordable and gives me ample coverage in emergency situations. His
email responses were prompt and polite - I would definitely call again with
any questions or concerns. I
really appreciate your friendliness and how you pay attention to the details.
Thank you!
| | Robert
Muratore
Filmmaker
Denver, CO |
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