 |
CoverageFirstSM
CoverageFirst is a unique Preferred Provider Organization (PPO) or Point of Service (POS) plan design that includes coverage for basic healthcare, plus protection in case of a major unexpected illness or injury.
The plan includes a “benefit allowance” for each covered member – money that can be used before the member has to meet the deductible. At the other end of the spectrum, CoverageFirst has an out-of-pocket maximum to limit a member’s costs in case of a serious illness or injury. |
Value for employers and employees
It's likely many of your employees visit the doctor just a few times a year – or less – and have annual medical costs below $500. With CoverageFirst, those employees would pay only copayments and premiums – premiums that are lower than with most traditional health plans.
And since CoverageFirst has a "safety net," even employees who need more medical care can have peace of mind knowing there's a limit on their out-of-pocket costs.
How CoverageFirst Works
- For each person insured under CoverageFirst, the plan pays the first $500 of eligible expenses for covered services from in-network providers – other than copayments.
- Once a member uses the entire allowance, the individual starts paying toward the annual deductible.
- After the deductible is met, coinsurance covers most additional eligible medical expenses until the member satisfies the annual out-of-pocket maximum.
|
Use our online provider directory to explore the doctors who participate in Humana’s network. |
Use this side-by-side chart to compare Humana's various health plans. |
|
|
MEMBER RESOURCES
Explore MyHumana
Humana members can log in to MyHumana to view secured details about their personal health plan. |
|
Humana.com Home
Explore Provider Self-Service Center
