Humana Classic HMO Plan


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	["Staff" HMO] [Premier Model]


	Last Updated Friday, February 23, 2001


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QuickStat	PPO Net	Maternity
8.0	Humana	Included

The Humana individual HMO offers a reasonably priced HMO plan with an ever expanding network of doctors, over 1500, and hospitals, 40+. This plan is open to residents in the Chicago area and NW Indiana only. As of 11/1/98 The plan offers offers the choice of Classic and Staff Model directory of physicains.

You can check the directory of physicians on the Humana site.




	Plan Options Available:

Maternity	Included
Dental	No
Life	No
Disability	No


	Plan Availability:

Chicago Area Only

Strength: Comprehensive HMO coverage, Quick Underwriting, Flexible underwriting, Good prices, Stable renewals, Good rates for people over 45.

Weakness: Copay's are a little high. $ 500 annual drug limit. Not a good plan for those with more than one child on the plan. Those with 2 or more children should have the Premier Plan.


	The following summary is NOT a solicitation to sell you insurance. Solicitations can only be made with state, and insurance company, approved brochures. Information contained in this web may contain generalities or inaccuracies. Please read the brochures and policies for specific limitations and exclusions.


	Classic Network HMO - Plan 70.

Deductible	$ 0
Hospital Expenses	100% after a $100 copayment per day up to 5 days.
Outpatient Surgery	100% after a $150 hospital copay, $50 if at a surgicenter
Accident Benefit, emergency room and out of area care	100% after a $75 copayment for covered hospital services, waived if admitted. Prior authorization req. if not life of limb threatening.
OBGYN/Maternity services	Maximum copay of $200
Emergency Room Physician Services Outpatient X-ray and Lab Routine exams and well baby care	$ 20 copay
Mental, Nervous - Inpatient	Inpatient hospital coverage to a max. of 80% for 10 days per year. Non hospital intensive outpatient may be substituted 2 for 1 inpatient day
Mental Nervous - Outpatient	Covered in full after a $20 copayment with a max. of 20 visits per year. Group sessions are $10 per visit and may be substituted 2 for 1 individual session
Ambulance Services	Covered in full for emergency transport
Private duty nursing	Covered in full if medically necessary
Medical equipment - Durable	Covered at 50%
Maximum Benefits	Unlimited
Prescription Drugs	OSCO pharmacy $7 copay per generic, $14 copay per brand name, up to $500 annual benefit limit. Birth control pills and insulin included.

No applicaiton fee, no billing fee. Optional bank draft.




	feedback legal copyright © 1999 Castle Group Health

	The following summary is NOT a solicitation to sell you insurance. Solicitations can only be made with state, and insurance company, approved brochures. Information contained in this web may contain generalities or inaccuracies. Please read the brochures and policies for specific limitations and exclusions.