Humana
of Florida serves 1.3 million PPO members with more than 320,000 physicians
and ancillary care providers in 50 states and the District of Columbia. With
the Humana ChoiceCare Network, you can select Humana doctors throughout the
United States, and you never have to change your insurance if you move around
the country. Plus, the independent insurance rating organization A.M. Best
rates Humana as A (Excellent).
HumanaOne,
a division of Humana Inc., helps self-employed entrepreneurs, students, recent
college graduates, early retirees, and those who may be uninsured with affordable
health insurance for individuals and families. You can use these flexible
"build-your-own" plans to access many features usually reserved
for group health plans, such as negotiated rates, wellness benefits, and special
discounts.
Florida
residents can benefit from health savings accounts (HSAs) that Humana of Florida
has redesigned to meet the needs of Florida residents with the most popular
and competitive plans. Humana offers three HSA plans with strong coverage,
good rates, and large PPO networks. The Total HSA and the Share 80/HSA plans
have a 2-million-dollar lifetime limit, and cover prescriptions while you
are hospitalized. The Total Plus Rx/HSA plan expands that to a 5-million-dollar
lifetime limit, and covers outpatient prescription drugs.
You
can run an instant quote
to see detailed information about plan details, limitations, and restrictions.
Or contact us and we will help you decide
on a plan that is right for you and your family.
You
can also learn more about Humana Dental Plans.
Rate
Information:
Rates on
Humana plans in Florida are available on our instant
quote page.
Rates
vary based on age, zip code of residence, and other factors. Humana
rates are very competitive, particularly for their higher deductible plans.
When running your quote, please note that rates are often lower when placing
the younger spouse as primary insured.
The
premium can be paid via monthly, quarterly, semi-annual, or annual billing,
or a monthly bank draft. There is a $10 fee for quarterly and monthly
billing. The bank draft will occur on the premium due date each month.
The initial premium can be paid with a check or credit card.
Network:
Humana
utilizes the ChoiceCare network. Insureds
can use Humana doctors throughout the
United States. View the complete ChoiceCare
PPO Network (check the HumanaOne and Member
radio buttons, enter your zip code and click Go. Then select the Humana/ChoiceCare
PPO Network and click Go).
Humana's
ChoiceCare Network includes more than 320,000 physicians and
ancillary care providers in 50 states and the District of Columbia, serving
1.3 million PPO members.
The
Humana plans are portable, so you can
move throughout the country without having to change insurance companies,
and still have access to their large network.
Underwriting:
The
Humana Health Insurance underwriting process is extremely fast.
Someone from their underwriting department will call you to do a telephone
interview. Often times you can be given a conditional approval during
the telephone interview, if no medical records are needed. If medical
records are needed, Humana issues a decision within 48 hours after receipt
of records.
One
important aspect of Humana's underwriting process is that it is done up-front
only, when the application is submitted. Many insurance companies
will underwrite again when a claim is submitted, and may retroactively place
a waiver on a plan if a claim occurs in the first 12 months and they determine
that it was a pre-existing condition. With Humana, if you do not receive
a rate up or rider when you receive the policy, they cover the condition
based on the plans benefits, and do not re-underwrite.
Underwriting
guidelines appear to be more lenient for plans with deductibles of $2,500
or higher.
By
the way, Humana has a history of paying claims quickly and currently pays
92% of all claims in 8 days or less.
Effective
dates:
If you
currently have or have recently had coverage, you can request an effective
date any time between the day you apply and 45 days later. If an underwriter
gives you conditional approval, your health insurance coverage can go into
effect immediately. If you have not had major medical health insurance
within the past two months, you will have the choice of an effective date
of 30 to 45 days after the application submission date.
How
to Apply:
Simply run
an instant quote
and select the plan you are interested in. Then select to apply
online or download the application, fill it out and fax it in to
us. We will then stay in touch with your during the underwritting
process to keep you informed of the progress.
Additional Coverages
HumanaOne
also offers several additional forms of insurance coverage. These
include things such as:
- Critical
Illness: Pays a set amount of money for a cancer diagnosis or
heart attack. Visit our Humana
Critical Illness page for more information.
- Hospital
Cash Value: Pays a set amount of money in the event of hospitalization
or emergency room treatment. Visit our Humana
Cash Value page for more information.
- Memorial
Fund: Whole Life Insurance designed to pay your final expenses
and more. Visit our Humana Memorial
Fund page for more information.
About
Humana Health Insurance of
Florida:
HumanaOne
offers affordable health insurance coverage for individuals and families,
such as self-employed entrepreneurs, students, recent college graduates,
and early retirees, and those who may be uninsured. HumanaOne
is a division of Humana Inc., one of the nation's largest publicly traded
health benefits companies, with over 11 million medical members as of 2008,
in 18 States and Puerto Rico.
HumanaOne
offers flexible "build-your-own" health insurance plans that
let consumers choose from many of the features usually found only in group
health plans, such as negotiated rates, wellness benefits, and special discounts.
Humana
has been assigned an "A-" (Excellent) rating from
the A.M.
Best Company, an independent insurance rating organization.
A.M. Best assigned this rating after a thorough quantitative and qualitative
evaluation of a company's financial condition and operating performance.
eFLHealthInsurance
is an independent authorized
Humana agency.