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Humana Insurance Friday, 9 September 2011

Humana is generally known for the group plans and broad coverage offered by employers. However, those who would like an individual or family plan can still get Humana insurance through Humana One. There are a variety of plans available, each of which are designed to meet the needs of individuals who do not receive health insurance through their employers. Options may be limited depending on the state, however. All plans are guaranteed to keep the same rate for the first twelve months and can be customized to meet individual needs.

If you wish to purchase Humana insurance through Humana One, there are several options from which to choose. Humana offers four types of plans, depending on your location. These include Copay plans, Health Savings Account plans, 100% after deductible plans, and short term medical plans. Copay plans will require a copay for in-network doctor's visits, and cover preventive exams and treatment. This type of plan is most similar to employer coverage. 100% after deductible plans will require you to pay the full deductible amount before receiving coverage; however, once you have paid the deductible all eligible treatments are completely covered.

Any health insurer will have both advantages and disadvantages; Humana insurance is no exception. Although Humana has one of the largest medical networks, not all services are covered. One glaring exception is maternity coverage, which may not be available in every state. However, Humana's newest plans offer those without current insurance coverage the ability to customize their coverage. Most customers seem to be happy with the variety of plans available as well as the coverage they receive. If you do not have health insurance through your employer, check out Humana One.

This plan will allow you to choose from a variety of deductible amounts. Those who choose a Health Savings Account plan have the option of putting money into a Health Savings Account (HSA). Finally, if you are temporarily without insurance coverage, you might want to look at Humana One's Short Term Medical plans.

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