Humana Health Insurance in Colorado

Company:  Plans:  HumanaOne Plans As an authorized agent for Humana Health Insurance plans, ColoHealth is proud to offer the lowest rates available for HumanaOne plans.  Our site has complete information and instant quotes, and we are available to answer any questions you have. Humana has 7 different plans, including three HSA Qualified Plans which can be paired with a health savings account.  HSA Plans are our most popular plans because of the lower premiums and tax-saving opportunity they provide.      Plans at a Glance 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.

Plan Questions   What is this plan about?   HumanaOne Portrait is Humana's premium personal health insurance plan providing big employer benefits, concierge-level service and easy access to medical care.   HumanaOne Autograph plans are the most popular Humana plans, offering a good balance of cost and coverage. These are the most popular Humana plans, particularly the HSA-qualified Autograph plans.   HumanaOne Monogram is Humana's most affordable personal health insurance plan with one low monthly premium for a safety net of coverage if you ever need it.   Who is this coverage for? People who want similar benefits provided by big employers People who prefer to minimize risk in their lives People who may plan to use medical services frequently 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 is the deductible?   HumanaOne Portrait Personal Health Plans are available with annual deductibles of: Single coverage - $1,000, $2,500   Deductibles listed are for network providers; there is a separate deductible for out of network providers. Get an instant quote to see what's available in your area.   HumanaOne Autograph Personal Health Plans are 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 a separate deductible for out of network providers. Get an instant quote to see what's available in your area.   HumanaOne Monogram Personal Health Plans are 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 an instant 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 Autograph HSA-Qualified 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 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 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 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 tax benefits with an HSA?   No.   Yes, some Autograph plans meet the IRS requirements of High-Deductible Health Plans . These plans are designed to offer tax advantages when used in conjunction 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 the plan benefit sheet for details.   Depending on which 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 Autograph plans do not have a prescription drug benefit.  See the plan benefit sheet for details.   Copayments as low as $15 for common prescriptions. Certain drug levels require meeting a separate prescription deductible. See the plan benefit sheet for details.

Coverage Synopsis

The HumanaOne Portrait plan has a low $1000 or $2500 annual deductible for in-network coverage.  Once you've met your annual deductible, the plan pays 80 percent for most covered in-network medical services and you pay 20 percent.  All in-network office visits for covered illnesses and injuries are paid at 100 percent after your copayment.  Prescriptions are covered with copayments as low as $15 for common prescriptions.  Certain drug levels require meeting a separate prescription deductible.  This is the most comprehensive Humana plan.

The HumanaOne HSA Autograph plans let you choose from a variety of deductibles ranging from $1,500 to $10,000 after which the plan pays 100%, 80%, or 70% up to the coinsurance limit.  Once you reach your deductible and coinsurance limit the plan will pay 100% of covered expenses up to the lifetime maximum with no annual maximum.  You can choose whether or not to include prescription drug coverage.  Office visits are covered subject to deductible and coinsurance.  Routine preventative care is covered subject to coinsurance up to $300 per person annually.  These HSA-qualified plans are the most popular Humana plans, and can be coupled with a Health Savings Account.

The HumanaOne Non-HSA Autograph plans are similar to those above, but do not qualify to work with an HSA.  These plans have a variety of deductibles ranging from $2,500 to $10,000 after which the plan pays 80% or 70% up to the coinsurance limit.  Once you reach your deductible and coinsurance limit the plan will pay 100% of covered expenses up to the lifetime maximum with no annual maximum.  A $35 copay for up to 6 visits annually is available.  Routine preventative care is covered subject to coinsurance up to $300 per person annually.  Prescriptions are covered with copayments as low as $15 for common prescriptions.  Certain drug levels require meeting a separate prescription deductible.

The HumanaOne Monogram plan has a $7,500 deductible for individuals and a $15,000 deductible for families.  This is the most economical plan Humana offers.  Once you've met your annual deductible the plan pays 100% of covered expenses.  Prescriptions are covered with copayments as low as $15 for common prescriptions.  Certain drug levels require meeting a separate $1,000 prescription deductible.  Most routine preventative care is covered before deductible with labs and x-rays covered after deductible.

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.

For a more complete listing of information on the HumanaOne health plans we offer, please view the individual plan's page:

• HumanaOne Portrait plan page
• HumanaOne HSA Autograph plans page
• HumanaOne Non-HSA Autograph plans page
• HumanaOne Monogram plan page

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.