Point of Service

Humana's National and Regional Point of Service (POS) plans combine the cost savings of our regional HMO networks and the flexibility of a Preferred Provider Organization. Members can stay within the network and pay a lower share of the cost - or they can seek services outside the network and pay more.

We offer range of POS plan designs, including traditional and consumer-driven plans.

How a POS Plan Works

Humana's National POS - Open Access is an HMO based product with both the HMO and PPO mandates applicable. The National POS-Open Access product offers national reciprocity to participating Humana's and ChoiceCare™ Network providers, as well as an out-of-network benefit. There is no service area in which members must reside.

With a Regional POS plan, members also have access to both HMO and PPO in-network providers. When they receive services from in-network providers, the plan covers more of the costs. The plan's coverage is the same for HMO and PPO providers.

National POS–Open Access plan

Plan features:

Members have access to in-network savings with more than 500,000 doctors, hospitals, pharmacies and other health care providers
The plan also pays benefits for covered services from out-of-network providers
The plan design may or may not require a primary care physician (PCP) and referrals
Traditional plan designs have copayments for most services

Regional POS plan

Plan features:

Members have access to the HMO network for that service area.
The plan pays benefits for covered services from out-of-network providers.
The plan design may or may not require a primary care physician (PCP) or referrals.
Traditional plan designs with copayments for most in-network services.

Available plans

Humana offers a wide array of POS plan designs for fully insured and self-funded customers of all sizes. Options include the following:

Consumer-Driven Health Plans (CDHP) are available only on the National POS-Open Access plans.
High Deductible Health Plans (HDHP) are available only on the National POS-Open Access plans.
Traditional copayment and coinsurance plans are available on the National POS-Open Access plans and the Regional PPO plans.

Physician Finder Plus

Use our online provider directory to find out if your doctor participates in Humana’s network.

MEMBER RESOURCES

Explore MyHumana

Humana members can log in to MyHumana to view secured details about their personal health plan.

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