| Humana has several plans to offer their members with choice and flexibility where you can add various optional benefits. With features such as customized ıbuild-your-ownı plans and large networks including 350,000 medical providers and 3,000 hospitals it is easy to find a health insurance plan that best fits your personal lifestyle and needs. Humana provides its customers with such plans as the Portrait Plan, Monogram Plan and Autograph Plan. Most Humana plans do vary by state; therefore, in order to receive the accurate information for your state, it would be helpful to go through a broker.
Portrait Plan
Humanaıs Portrait plan is for those people who want benefits like those provided by big employers, who prefer to minimize risk in their lives, and who may plan to use medical services in the future. This plan will help those who may be self-employed, are early retirees or work for a company that does not offer group health insurance.
The Portrait plan includes 80 Plus Rx and Unlimited Office Visit Co-pay. The In-network coinsurance is 80%/20% which means the health plan pays 80% and you pay 20%. The in-network plan deductible ranges from $1000-$2,500 for single and $2000-$5000 for family. Office co-payments are unlimited as long as you visit your in-network primary care physician and doctors.
Humana Portrait members may save hundreds of dollars each year through discount programs offered by participating retailers and providers such as saving up to 45% on eye wear, examinations and laser procedures with the Eye Care and Vision Services.
Autograph Plan
Humanaıs Autograph Plan with Share 80 Plus Rx and Copay is best for those people who seek the right combination of features and benefits that fits their lifestyle, who like to take charge of their own well-being and who may make multiple physician visits for illness or injury. The Share 80 Plus Rx and Co-pay is one of the several plans offered in the Autograph series. This series includes personal health plans that stand apart to fit each individual and familyıs needs because as Humana states, ıone size fits all does not work in health insurance.ı
The discount program also offers savings within the Autograph plans. The Share 80 Plus Rx and Co-pay Plan members can receive discounts on Eye Care and Vision Services, Pharmacy Purchases and Health and Wellness Services. This Autograph plan has similar coverage for services to the Portrait Plan and are also subject to limitation.
Autograph Plan/HSA
Another specific plan within Humanaıs Autograph Plans is the Autograph with HSA plan. This plan would be the best fit for people who seek the right combination of features and benefits that fit their lifestyle, who like to take charge of their own well being, and who appreciate the tax-saving benefits of a Health Savings Account. With this plan, you can help yourself to potential tax advantages by combining it with a Health Savings Account that lets you pay for qualified medical expenses with tax-deductible contributions.
To summarize the Autograph Plan plus HSA, the in-network coinsurance is 100% meaning the health plan pays all coinsurance. The in-network deductible ranges from $2,000 to $5,200 for single coverage and $4,000 to $10,400 for family coverage. There is also a $2 million lifetime maximum.
Monogram Plan
Humanaıs other main plan called the Monogram Plan is ideal for those people who want low-cost protection, who are healthy and seldom visit doctors, and whose lifestyle situation requires it because your employer doesnıt offer a group health plan, you are a recent college grad or graduate student, you are not eligible for group benefits because you only work part time or you are no longer covered under your spouseıs or parentsı health plan. Monogram is an affordable health plan that gives you a safety net of coverage in case you ever need it. This plan also offers a preventive care benefit that covers annual exams and physicals.
The Monogram Total Plus Rx Plan has a 100% in-network coinsurance, a $2 million lifetime maximum and the in-network plan deductible is about $7,500 for single coverage and $15,000 for family coverage. The main feature of this plan is that you have coverage thatıs there if you ever need it so you wonıt be spending money on benefits you never use.
Monogram is an excellent choice regarding budget as it provides a high deductible with a lower premium. You get an initial 12-month rate guarantee as long as you stay with the same plan and live in the same ZIP code. There is no annual contract with Monogram allowing you to cancel any time you like and you can apply through easy application online.
| 
