How CoverageFirst Works

CoverageFirst works differently from other plans. It pays your expenses up front while encouraging you to make good financial decisions about your healthcare. Instead of meeting a deductible right away, you get a $500 allowance that pays for your basic healthcare services. For many people, that's all they need in a year. Here's how it works:

• CoverageFirst pays your first $500 of healthcare costs – except for your copayments – before you start paying toward a deductible, as long as the costs are for covered services from in-network providers.
  
  
• Once the allowance is spent, you have a deductible to meet.
  
  
• After you meet the deductible, you and Humana share in the cost of most additional eligible medical expenses until you've met an annual out-of-pocket maximum amount.
  
  
• You pay only a copayment for preventive care office visits, even after your $500 is gone; copayments don't count toward the deductible or out-of-pocket maximum, and you can't use the $500 allowance to cover copayments.
  
  
• The plan includes a “safety net” - an out-of-pocket maximum to limit your costs in case of a serious illness or injury.
  
  
• Premiums are generally lower than those of many other plans.