What's new

Find the right plan for you

Enter your ZIP code to see benefits and rates available in your area. You can also access your Plan Brochure, Summary of Benefits and Coverage (SBC), and Humana’s Plan Summary.

Find a plan in your area

2022 High Deductible Health Plan information (PDF opens in new window)

Note: Check the service area in the brochure for eligibility

Already a member? Sign in

Are you a retiree?

If you are a retiree over the age of 65 and participate in Medicare Parts A & B, visit the retiree page for details.

New for 2022

We now offer a high-deductible health plan (HDHP) with HSA/HRA contributions from Humana.

Medical plans at a glance

We offer a variety of Medical benefit plans. We’ve outlined the basic differences below to help you find 1 that will work best for you and your family. The plan highlights show all plan options, depending on your service area.

If you are a Puerto Rico member, click here for plan details(PDF opens in new window)

Benefit
High-Deductible Health Plan (In-Network) Help for High-Deductible Health Plan - opens dialog

Newest Medical plan, 10% coinsurance, no referrals, HRA/HSA

Value Plan (In-Network benefits) Help for Value Plan - opens dialog

Comprehensive Medical plan, 20% coinsurance, no referrals

CoverageFirst (In-Network benefits) Help for CoverageFirst - opens dialog

Comprehensive Medical plan with $1,000 benefit allowance, 10% coinsurance, no referrals

HMO Basic Option Help for HMO Basic Option - opens dialog

Lowest cost HMO plan, no deductible, higher copay plan

HMO Standard Option Help for HMO Standard Option - opens dialog

Competitive rates with fixed copays, no coinsurance or deductible

HMO High Option Help for HMO High Option - opens dialog

Lowest fixed copay HMO plan, no coinsurance or deductible

Deductible Help for Deductible - opens dialog

A deductible is a fixed expense you must incur for certain covered services and supplies before we start paying benefits.

Yes
Yes
Yes
No
No
No
Primary Care Physician (PCP) referral required to a specialist Help for PCP - opens dialog

Your PCP will provide most of your healthcare, or give you a referral to see a specialist.

No
No
No
No referral required (except CO, IL and TX)
No referral required (except CO, IL and TX)
No referral required (except CO, IL and TX)
Out of Network coverage
Yes
Yes
Yes
No
No
No
Rx coverage Help for Rx coverage - opens dialog

This row lists whether your health insurance plan will cover your prescription drugs and medicines.

Yes
Yes
Yes
Yes
Yes
Yes
HSA/HRA Help for HSA/HRA - opens dialog

Health Savings Account (HSA) and Health Reimbursement Account (HRA) are options you can use to help pay for your healthcare-related spending.

Yes
No
No
No
No
No
Telemedicine/Telehealth/Virtual visits Help for Telemedicine/Telehealth/Virtual visits - opens dialog

Speak over the phone or video call with your doctor or another healthcare provider from the comfort of your home.

Yes
Yes
Yes
Yes
Yes
Yes
Plan summary

Start saving today

The Federal Flexible Spending Account Program (FSAFEDS) can help save you money on eligible health care expenses.

You can set up your FSA account the way that works best for you.

Call us for assistance

877-372-3337 (TTY: 866-353-8058)

Monday – Friday, 9 a.m. – 9 p.m., Eastern time