Health Insurance Plans
Humana Illinois Medicare Plans
Even with Medicare Part A and Part B coverage, you’re responsible for some out-of-pocket expenses including:
- Part A hospital deductible ($1,676)
- Part B deductible ($257)
- Copayments for hospital stays over 60 days
- Care in a skilled nursing facility after 20 days
- Twenty percent coinsurance for doctor bills and other medical expenses
By law, Medicare Supplement insurance is standardized into twelve plans (Plans A through L). That means Plan G from one company must include the same benefits as Plan G from another company. While the benefits must be the same, each company’s rates, reputation, membership features and quality of service can vary.
With Humana, you don’t have to sacrifice comprehensive benefits or freedom-of-choice for affordability. Their Medicare Supplement plans provide substantial benefits at rates that can save you money over other plans.
Dental and Vision Insurance Plans
Rate Information
Rates for all three Humana plans are available on our instant quote page.
Rates vary based on age, zip code of residence, and other factors. Humana’s 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 Humana Advantage network, which includes more than 400,000 physicians and ancillary care providers in 50 states and the District of Columbia. 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 are much more lenient for plans with deductibles of $2,500 or higher. Additionally, 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.
Please contact us for more information on getting this coverage in place – right away if necessary