If you live in Tennessee you’ll be happy to know that the Copay 70 Plan and the Value 100 plans will be ready for quoting on July 1st 2012. These plans have unique plan offerings that are very attractive to individual and families who are healthy and looking to have major medical coverage with preventive coverage and copays on some office visits.
Humana One Copay 70 Plan Benefits
Below you will find a basic summary of the Copay 70 Plan benefits. This is a value type plan that limits office visit and has the 30% coinsurance rather then the traditional 20% coinsurance. (Coinsurance is money you pay after the deductible, until your out of pocket maximum is met -usually for $5,000 dollars). The Copay 70 Plan has a few popular deductibles including the 5,000, 2,500, 1500, and it is possible the 7,500 deductible will be introduced in the Tennessee market. It is currently being offered in Georgia, Colorado, and Texas. Shoppers may also want to visit Humana insurance plans for a complete summary of plan offerings.
Humana Plan 70 Overview:
Preventive care: Visits, lab, and child immunizations, X-ray, Pap smear, mammogram, prostate screening, etc. Your plan pays 100%.
Office Visits: $35 for a primary care physician or $60 for a specialist, or $60 for urgent care visit – Limit 3 per a person per a year then you pay 30% after you pay your human health insurance deductible.
Lab and X-rays: your plan pays $300 per year at 100% per member. Then you pay 30% after your deductible is paid.
Hospital and Outpatient Coverage: you pay your Copay 70 plan deductible then you pay 30% coinsurance until out of pocket max is met.
ER: If admitted,you avoid paying the access fee of $125 per visit, then you pay 30% after deductible.
Ambulance: You pay 30% after deductible.
Prescription Drug Coverage: Level 1 drug you pay $15 copay. Level 2 is subject to $500 or $1000 brand name deductible then $40 Copay. Level 3 is a $65 copay after drug deductible (mostly for expensive, brand drugs).
To obtain more information on health insurance plans offered in Tennessee call a TN health insurance agent at 615-843-0572 or toll free at 877-259-6186. By doing this you can get quotes for all Humana insurance products and other leading companies in Tennessee.