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.
2022 High Deductible Health Plan information (PDF opens in new window)
Note: Check the service area in the brochure for eligibility
If you are a retiree over the age of 65 and participate in Medicare Parts A & B, visit the retiree page for details.
We now offer a high-deductible health plan (HDHP) with HSA/HRA contributions from Humana.
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)
Newest Medical plan, 10% coinsurance, no referrals, HRA/HSA |
Value Plan (In-Network benefits)
Comprehensive Medical plan, 20% coinsurance, no referrals |
CoverageFirst (In-Network benefits)
Comprehensive Medical plan with $1,000 benefit allowance, 10% coinsurance, no referrals |
HMO Basic Option
Lowest cost HMO plan, no deductible, higher copay plan |
HMO Standard Option
Competitive rates with fixed copays, no coinsurance or deductible |
HMO High Option
Lowest fixed copay HMO plan, no coinsurance or deductible |
|---|---|---|---|---|---|---|
|
Deductible
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
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
This row lists whether your health insurance plan will cover your prescription drugs and medicines. |
Yes
|
Yes
|
Yes
|
Yes
|
Yes
|
Yes
|
|
HSA/HRA
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
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
|
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.
877-372-3337 (TTY: 866-353-8058)
Monday – Friday, 9 a.m. – 9 p.m., Eastern time