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With Humana HMO, you enjoy:Product selection. Humana HMO offers an
impressive range of covered services, with a variety of copayment levels from which to choose.
Humana has full NCQA accreditation, and has been selected by the
HMO Buyers Guide
as the best HMO in Chicago. The Humana Individual HMO Plan provides the quality coverage the you want including prescription drugs from a participating pharmacy. It's convenient and affordable. The merger between Humana and United HealthCare has been called off.
Special Features
HMOs have no preexisting condition clause. Acceptance is not
guaranteed though. You choose a primary care physician and obtain covered care only through the primary care doctor or his/her referral. Maternity is included with all plans.
Humana HMO plans are sold through several sources. Rates and underwriting can be different for each plan.
Rates and Service
Rates are 10-25% less than the United Health Care HMO. Service is
very dependent on you relationship with your Primary Care Physician (PCP) and his/her staff.
Underwriting and Billing
Underwriting is flexible, aggressive and fast. Type 2 diabetics
and Asthmatics should have no problem if stable for at least 24 months.. Billing is by bill or monthly bank draft. The Premier Plan is part of an association and has an application fee and annual dues of $25.
Renewal Rate History
Currently The Humana HMO is sold through associations that have
from the pre-Employers Health merger and directly from Employers Health( EHI). The Premier HMO is currently offered by associations while the Staff and Classic HMO is offered through EHI direct. The Classic
and Staff plans are being reconfigured and reintroduced with a scheduled date of 2/99.
Rates are adjusted annually. The premier plan in May. Increases the past couple of years have been in the 3-9% range. It is expected that 1999 increases will be higher, perhaps in the 10-16% range. Inline with the industry trend.
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