The Humana One health insurance plan uses the most common values for most of the plan's features, while still giving options in those areas where choices are most often desired. As of year-end, 2002, Humana is a Fortune 200 company with 2002 revenues of approximately $11.3 billion, and total assets of approximately $4.6 billion. A company experiencing astounding growth and success, Humana's pre-tax income rose to $210 million ($143 million net) in 2002, compared to $183 million ($117 million net) in 2001. Humana has approximately 6.6 million medical members primarily in 18 states plus Puerto Rico.

Lifetime Maximum Benefit The maximum dollar amount that would be paid by Humana towards any covered individual's medical expenses during their lifetime. -Details- Options: $5 Million   Plan Deductible The amount each covered individual pays each calendar year before Humana begins paying benefits. With Humana, the family deductible is 2 or 3 times the selected individual deductible. -Details- Options: $500 $1,000 $1,500 $2,500 $5,000   Coinsurance The percentage of elligible expenses that Humana pays once the Plan Deductible is met, and until the Out-Of-Pocket Maximum is reached. -Details- Options: 80%   Out-of-Pocket Maximum The maximum amount each individual is required to pay in coinsurance per calendar year. After this amount is reached, Humana pays for elligible expenses 100%. The family Out-of-Pocket Maximum is 2 times the individual Out-of-Pocket Maximum. -Details- Options: $2,000   Office Visit Copay The amount the individual pays for doctor's office visits, up to 4 visits per year. In addition to the Office Visit Copay, each individual is covered for the first $100 of x-rays and lab work at 100%. -Details- Options: $25 No Copay   Prescription Drugs The Prescription Drug benefits with Humana One are as follows: $10 Copay for Level 1 Drugs (low-cost Generic & Brand-name) $30 Copay for Level 2 Drugs (higher cost Generic & Brand-name) $50 Copay for Level 3 Drugs (high cost, usually Brand-name, where alternatives are available in Levels 1 or 2)   25% Copayment for Level 4 Drugs (includes self-administered injectable and high technology medications), up to $2,500 Out-Of-Pocket Maximum (applies to Level 4 Prescriptions only)   No annual limit on prescription drug benefits. There is an optional Prescription Deductible (separate from the Plan Deductible & applies only to Prescriptions). The Prescription benefits listed above will be available once the Prescription Deductible is satisfied. -Details- Options: No Deductible $500

PlanBuilderUSA Help Center Click on any term in green for further explanation. Free Quotes Click Here To Get Started   1-888-888-8057 Even if you're familiar with insurance terms, choosing the right options can be difficult. And with so many options to choose from, it's not easy to figure out what combination will work best for your situation. Our live repesentatives are happy to share their knowledge and experience, to make sure you're building a perfect plan for you.

Ready To Start Building Your Health Insurance Plan? Whether you're just checking prices or you're ready to get coverage today, visit our Online Quote Page or call us at 1-888-888-8057. We'll help you choose the most cost-effective options, quote rates, and if you're ready, we can submit your application today, totally risk-free. Remember: No payment is required when you apply. And you could be covered as soon as today.

The above plan description is a basic outline of coverage, and NOT the insurance contract. Refer to your policy for full plan details, as only the policy itself is legally binding. All above rates and percentages are based on In-Network or Participating Providers -- Out-of-Network or Non-participating Providers may be subject to reduced coverage.