Humana is a health insurance company based in Louisville, Kentucky. Humana was originally founded in 1961 under the name Extendicare Inc. Rival health insurance provider Aetna is currently in the process of acquiring Humana for $37 billion; they estimate that the acquisition will be complete before the end of 2016.
Every health insurance plan is required to provide essential benefits, as defined by the Affordable Care Act. These essential benefits fall into ten categories of services:
The specific services offered within those categories may vary from state to state, but these categories represent the minimum that all health insurance plans are required to cover. No matter where you purchase your health insurance plan from – federal, state, or private marketplace – it must cover these ten essential benefits.
Plans may choose to cover additional services. State, federal, and private exchanges will give you the full list of the exact services each plan covers before you apply.
Humana offers a wide variety of plans, including HMOs and PPOs, as well as dental and vision plans for adults. Humana contracts with many provider networks in all of the states they cover, giving you flexibility as to which doctors you can visit while still providing discounts on health services.
Prescriptions & Drugs
The specific prescriptions that Humana covers depends on the type of Humana plan you purchase. Generally, however, Humana covers both brand name and generic drugs. If a drug is not covered by Humana, you may be able to purchase it at a higher price. For a full list of Humana’s drug guides (also called formularies), visit this page, or check out their drug list search tool.
PolicyGenius offers anonymous, no-obligation shopping of all marketplace health insurance plans, as well as “off-exchange” plans that you won’t find on Healthcare.gov or the state marketplaces. You can browse all plans, and sort and filter those plans based on your preferences and budget.
Once you’ve selected a health insurance plan, enrolling in that plan is easy. You fill out a short online form, then complete the final step with a quick enrollment phone call with a licensed agent. On that call, the licensed agent will verify your identity, double-check eligibility and answer any questions you may have. For certain insurers, who don’t permit private brokers (like PolicyGenius) to enroll customers, you’ll have to enroll directly with the insurer or on your state’s marketplace (these plans will be noted).
After you enroll in a health insurance plan, you will get your membership materials (including your member ID card) and the first premium bill directly from the health insurance company. You are responsible for paying the bill to ensure that your coverage goes into effect, and to keep current on those payments.
If you visit an in-network provider, they should handle your claim for you. However, if you need to make a claim directly to Humana, all you need to do is fill out this form and send it, along with your original itemized bills, to the address on the back of your insurance card.