Humana’s comprehensive suite of products and programs allows you to customize each solution, wow your clients and keep your book of business full.

A Broad Range of Products.
More Ways to Win.

Whatever your clients’ health and wellness needs are, with Humana, you’ll have access to the ideal solution.

From preventive care and doctor visits to emergency services and prescription drugs, Humana offers a diverse portfolio of products with an affordable range of deductibles and monthly premiums. Plus, your clients get personalized support for our products, as well as on- and off-exchange offerings for families and individuals.

Humana’s diverse product portfolio includes:

Medicare Advantage

Helping Medicare-eligible clients navigate the complexities of various Medicare plans can be challenging.

That’s why Humana offers you a wide range of affordable plans created to meet the unique needs of those eligible. Our Enhanced Medicare plans come with low or no monthly premium, plus health-boosting benefits that can help your clients get more out of life.

Our 2018 Medicare Advantage Plans include:


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SPECIAL NEEDS (SNP) PLANS

Medicare benefits and prescription coverage for specific situations

Humana offers Special Needs Plans (SNP) to beneficiaries who have a specific health condition, are eligible for both Medicare and Medicaid, and/or are a resident of a long-term care facility. SNP is a type of Medicare Advantage plan that combines all the benefits of Original Medicare (Parts A and B) with prescription drug coverage (Part D).

  • Personalized guidance and resources to help members get the right care and information based on their specific condition or needs
  • Many have a low or no monthly premium
  • To be eligible, beneficiaries must have Medicare Parts A and B, and also meet the specific conditions of the SNP
  • Benefits may also include coverage for routine dental, vision and hearing care, non-emergency transportation to and from medical care, fitness programs, an over-the-counter allowance and more.

Types of Special Needs plans:

  • Chronic Condition Special Needs Plans for individuals with one or more of the following conditions: diabetes mellitus, cardiovascular disorders, chronic heart failure and chronic lung disorders
  • Dual Eligible Special Needs Plans for individuals who are entitled to Medicare and who are also eligible for some level of assistance from a state Medicaid program


HUMANA GOLD PLUS® (HMO) PLANS

Affordable and easy-to-budget

With Humana Gold Plus (HMO) plans, clients can stretch their healthcare dollar and choose a doctor from Humana’s broad network of physicians. These plans have fixed costs and offer all the benefits of Original Medicare, plus some added features.

  • Coverage for most annual preventive screenings at no cost
  • Choice of a primary care physician in the plan network
  • Low monthly plan premium


Medicare Supplement

Medicare Parts A and B won’t pay all of your clients’ healthcare costs, including deductibles and coinsurance. That’s where Medicare Supplement plans come in. Some are considered “Medigap” plans that cover things like emergency foreign travel expenses, and others may include innovative benefits such as dental and vision.

Medicare Supplement plans are standardized, identified by letters A through N, and each standardized plan must offer the same basic benefits. However, being a Humana member may offer your clients certain perks on top of these standard benefits.

Medicare Supplement insurance plans can be attractive to both you and clients for a number of reasons:
  • Choice — No networks or referrals means your client has the choice to see any provider who accepts Medicare patients.
  • Protection — Medicare Supplement insurance helps cover costs Medicare Parts A & B don’t pay, offering more protection to your clients.
  • Guaranteed renewable — The insurance company can’t cancel a Med Supp policy as long as the member pays their premium.
  • No underwriting — There’s no underwriting for beneficiaries during their Medicare Supplement Open Enrollment Period or for those that qualify for a guaranteed issue right.
  • Bonus features and extras — As Humana members, your clients will get access to extra services at no additional cost, such as SilverSneakers fitness program, discounts on hearing and vision, a 24-hour Nurse Line and more.

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Rx Plans

When it comes to our many prescription products, here’s the bottom line: With Humana, your clients can potentially lower their prescription drug expenses and protect against higher costs in the future. Here’s how.

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HUMANA PREFERRED Rx PLAN (PDP)

This plan offers preferred cost-sharing benefits when you fill your prescription with our preferred pharmacies

  • Monthly premiums ranging from $26 to $50 depending on your location
  • $400 annual deductible
  • Copays as low as $0 on a 90-day supply of Tier 1 and Tier 2 drugs (after deductible) at Humana Pharmacy, a mail-delivery pharmacy that offers preferred cost sharing


HUMANA WALMART Rx PLAN

The Humana Walmart Rx Plan offers several ways to save

  • $17 premium in every state except Indiana, Kentucky and Ohio, where it’s $15
  • No deductible on Tiers 1 and 2 drugs
  • In-store copays as low as $1 on certain generic drugs at Walmart, Sam’s Club and Walmart Neighborhood Markets that offer preferred cost sharing
  • Mail-delivery copays as low as $0 in most states* on a 90-day supply of Tier 1 preferred generic drugs when members use Humana Pharmacy®, a mail-delivery pharmacy that offers preferred cost sharing
  • More than 1,500 generic prescription drugs designed to help members save money

* $2 copay in Nevada



HUMANA ENHANCED PLAN (PDP)

The Humana Enhanced plan offers our broadest PDP coverage with no deductible, and copays as low as $0 on 90-day supplies of Tier 1 drugs when members use a mail-delivery pharmacy that offers preferred cost sharing

  • No annual deductible
  • Fixed copayments
  • Comprehensive Drug List
  • Select brands covered in the coverage gap


Dental Plans

There are many reasons why HumanaDental® plans keep agents smiling.

They’re designed to meet many different needs: dental discount plans, dental insurance, single coverage or something that fits the whole family. With all of our plans, your clients enjoy access to a large network of dental providers—and there’s no underwriting. HumanaDental plans are available as stand-alones or in conjunction with medical plans. Best of all, our network includes more than 225,000 dentist locations nationwide. Members and their families benefit from negotiated discounts on covered services by choosing dentists in our network. Plans include a range of deductibles, copayments and out-of-pocket options. Administrative Services Only (ASO) plans are also available.


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SAVINGS PLUS

The Humana Dental Savings Plus is a dental discount card, not an insurance plan

Savings Plus allows you to offer clients the same great savings and lower prices of dental insurance without committing to a plan.

  • No waiting periods
  • No deductibles
  • No copays
  • No maximum benefit limit
  • Choose from more than 225,000 network dental offices
  • Discounts for dental services at 20-40 percent
  • Discount for orthodontics up to 20 percent
  • Discounts for prescriptions averaging 37 percent
  • Savings on vision products and services
  • Premiums can be paid via mail, phone or online

PREVENTIVE PLUS

Our lowest-premium dental plan, this plan encourages preventive dental care

The Preventive Plus plan encourages preventive treatment, which helps keep your clients’ mouths healthy while minimizing their costs. And, because Humana has one of the largest PPO dental networks, with more than 225,000 dentist locations, they’re sure to find a dentist they know who practices near their home or work.

  • $50 deductible for individuals; $150 for families
  • Many preventive services covered at 100 percent
  • Many commonly used basic services are covered at 50 percent (after deductible); waiting periods may apply
  • Discounts may be available on other basic and major services when using network providers
  • Savings by choosing network dentist

DENTAL VALUE (PREPAID HI215)

Our prepaid dental plan only available in FL, IN, MO, TN and TX

With the Dental Value plan, your clients choose a primary care dentist. There are no yearly maximums, deductibles or waiting periods. Your clients do not submit claims because copayments, including an office visit copayment, apply at each visit.

  • No deductibles
  • No waiting periods
  • Low copays
  • Preventive services covered 100 percent after copay
  • Set schedule of fees for services
  • Choose from more than 8,000 network dental offices
  • No maximum benefit limit

LOYALTY PLUS

The HumanaDental Loyalty Plus plan offers loyal members increasing benefits from plan years one to three

  • Increased coverage for procedures such as fillings, root canals and crowns
  • Increased maximum amounts that the plan will pay annually
  • One-time deductible for as long as they stay on the plan
  • Choice – freedom to visit the dentist they like most
  • No waiting periods – your clients can get the dental work they need upon their effective date and their plan benefits will help cover the cost
  • Help maintaining good oral health – most preventive services are covered at 100 percent


* Not applicable in the state of Georgia.

Limitations, exclusions, and waiting periods may apply. Refer to the benefits summary for additional details.



Vision Plans

Humana’s Vision Care Plan options allow agents to focus on providing clients with comprehensive eye care as well as savings.

Our premiums may fit within individual budgets, plus your clients will have access to one of the largest vision networks in the United States, with more than 35,000 participating optometrists and ophthalmologists.


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HUMANA VISION PLAN

Our most trusted option

  • Comprehensive vision exam once every 12 months
  • Guaranteed approval – your clients will never be turned away for pre-existing conditions
  • $150 allowance, plus additional discounts on retail frames, once every 12 months
  • Eyeglass lenses covered at 100 percent after $25 copay, once every 12 months or allowance for elective contact lenses once every 12 months
  • 100 percent coverage on contact lens materials, if medically necessary
  • Large network of more than 35,000 participating optometrist, ophthalmologist and national retail locations, including LensCrafters®, Pearle Vision®, Sears Optical®, Target Optical® and JCPenney Optical®
  • Valuable discounts on laser vision correction procedures


VISION FOCUS PLAN

Exams, glasses and more, only available for new sales in DC, DE, ID, MA, ME, MN, ND, NJ, NV, NY, SD, UT, VA and WY

  • Comprehensive vision exam covered at 100 percent after $10 copay once every 12 months
  • Guaranteed approval – your clients will never be turned away for pre-existing conditions
  • $100 allowance, plus additional discounts on retail frames, once every 24 months
  • Eyeglass lenses covered at 100 percent after $25 copay, once every 12 months or $115 allowance for elective contact lenses once every 12 months
  • 100 percent coverage on contact lens materials, if medically necessary
  • Large network of more than 35,000 participating optometrist, ophthalmologist and national retail locations, including LensCrafters®, Pearle Vision®, Sears Optical®, Target Optical® and JCPenney Optical®
  • Valuable discounts on laser vision correction procedures


VISION CARE PLAN (VCP)

Added value for eyeglass frames, only available for new sales in AR, CO, GA, MD, OH and SC

  • Comprehensive vision exam once every 12 months
  • Guaranteed approval – your clients will never be turned away for pre-existing conditions
  • $40 wholesale frame allowance, plus additional discounts on retail frames, once every 24 months
  • Eyeglass lenses covered at 100 percent after $25 copay, once every 12 months or $115 retail allowance for elective contact lenses, once every 12 months
  • 100 percent coverage on contact lens services and materials, if medically necessary
  • Large network of more than 35,000 participating optometrist, ophthalmologist and national retail locations, including LensCrafters®, Pearle Vision®, Sears Optical®, Target Optical® and JCPenney Optical®
  • Valuable discounts on laser vision correction procedures


* Not applicable in the state of Georgia.

Limitations, exclusions, and waiting periods may apply. Refer to the benefits summary for additional details.



Go365 Wellness & Rewards

Give your clients even more. Humana shatters member expectations with our unique specialty program, Go365 Wellness and Rewards.

Go365 by Humana is a wellness rewards program that can helps individuals make healthier decisions, guides them on their well-being journey and helps them earn rewards along the way.

Participants can earn awesome rewards for activities like:

  • Yearly flu shots
  • Workouts
  • Vision and dental exams

Go365 is a fun, interactive way for clients to stay healthy—and it’s only available through Humana.


Learn More

Watch this video and Meet Go365 for Medicare: