Humana Health Insurance Indiana 

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Rate Information:

Rates on Humana plans in Indiana are available on our instant quote page.

Rates vary based on age, zip code of residence, and other factors.  Humana 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.

You can also learn more about Humana Dental Plans.

Network:

Humana utilizes the ChoiceCare network.  Insureds can use Humana doctors throughout the United States.  View the complete ChoiceCare PPO Network (check the HumanaOne and Member radio buttons, enter your zip code and click Go.  Then select the Humana/ChoiceCare PPO Network and click Go).

Humana's ChoiceCare Network includes more than 320,000 physicians and ancillary care providers in 50 states and the District of Columbia, serving 1.3 million PPO members.

The 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 appear to be more lenient for plans with deductibles of $2,500 or higher.

By the way, 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.

How to Apply:

Simply run an instant quote and select the plan you are interested in.  Then select to apply online or download the application, fill it out and fax it in to us.  We will then stay in touch with your during the underwritting process to keep you informed of the progress.

About Humana Health Insurance of Indiana:

HumanaOne offers affordable health insurance coverage for individuals and families, such as self-employed entrepreneurs, students, recent college graduates, and early retirees, and those who may be uninsured.  HumanaOne is a division of Humana Inc., one of the nation's largest publicly traded health benefits companies, with over 11 million medical members as of 2008, in 18 States and Puerto Rico.

HumanaOne offers flexible "build-your-own" health insurance plans that let consumers choose from many of the features usually found only in group health plans, such as negotiated rates, wellness benefits, and special discounts.

Humana has been assigned an "A-" (Excellent) rating from the A.M. Best Company, an independent insurance rating organization.  A.M. Best assigned this rating after a thorough quantitative and qualitative evaluation of a company's financial condition and operating performance.

eINHealthInsurance is an independent authorized Humana agency. 

Humana Health Insurance of Indiana in the News

Humana Inc. to Present at the Citi 2012 Global Health Care Conference
Humana Inc. announced today that Michael B. McCallister, Chairman of the Board and Chief Executive Officer, will make a presentation to investors at the Citi 2012 Global Health Care Conference on Monday, February 27, 2012, at 3:00 p.m.

Humana Teams with ChildObesity180 to Reverse the Trend of Childhood Obesity
Humana Inc. today announced its support of the Active Schools Acceleration Project’s Innovation Competition, an initiative of ChildObesity180.

Fitch Affirms Humana's Ratings; Outlook Remains Positive
Fitch Ratings has affirmed Humana Inc.'s 'BBB' Issuer Default Rating and the 'BBB-' ratings on HUM's senior unsecured notes. Additionally, Fitch has affirmed the Insurer Financial Strength ratings of HUM's insurance company subsidiaries at 'A-'.

Humana forecast is below Street view; shares fall
(Reuters) - Humana Inc forecast a profit for this year below Wall Street estimates, suggesting that investors may be overestimating how much it will earn from a burgeoning Medicare business, and its shares fell almost 6 percent. Humana, one of the largest providers of Medicare health insurance plans for U.S. seniors, also posted a fourth-quarter profit that was in line with analyst estimates ...

Humana Lags on Employer Group Loss
Humana's fourth-quarter operating earnings came in at $1.12 per share, lagging the Zacks Consensus Estimate of $1.20 and year-ago earnings of $1.14.

Humana Inc. Earnings: Powering Ahead
Here's a closer look at the company's latest earnings release...

Humana Provides 2012 Earnings Forecast Less Than Analyst Average Estimates
Humana Inc., the second-largest Medicare provider, raised its 2012 earnings forecast less than analysts estimated as more Americans were expected to seek medical care in a recovering economy.

Humana Launches New Dental Plan
Humana announced the launch of a dental insurance plan ??? HumanaOne Dental Loyalty Plus Plan, along with its plan to hire new employees in its Humana Cares division.

Humana Appoints President of Government and Other Business
Humana Inc. announced today that Tim McClain, President and CEO of Humana Veterans Healthcare Services, has been named President, Government and Other Business – which includes all Humana military lines of business.

Humana Increases Sales but Misses Estimates on Earnings
Just the facts, Fool.