Humana One offers the same products in the South Carolina individual health insurance market as they do in every other state. So this might be a little redundant, but I like to give my readers their money’s worth, and since your here, you must have a specific question about the South Carolina Humana plans.
So here’s what I am going to do, I am going to cover the 3 main health insurance plan types in South Carolina from Humana, then I will get to the detailed questions and plan exclusions which are usually why someone would come to this page to begin with. Because, remember the best place to go is to get a South Carolina health insurance quote where you will be able to see not only all the Humana plans in South Carolina, but also all the plans from every carrier.
The new HumanaOne® Portrait™ … the personal health plan with concierge-level service and benefits you’d expect from big employers.
- A valued addition to your overall financial plan
- Pays benefits for covered hospital inpatient and outpatient services, emergency room care, preventive care, and even prescription drugs
- Extensive PPO network which more than likely includes the doctors, hospitals and pharmacies you now use
Basic Coverage Options
Deductibles
- HumanaOne Portrait personal health plan offers benefits like those you’d expect from big companies. There’s a low $1,000 or $2,500 annual deductible for in-network single coverage, and a $2,000 or $5,000 deductible for in-network family coverage.
Coinsurance
- Once you’ve met your annual deductible, HumanaOne Portrait shares the cost of medical care with you. This plan pays 80 percent for most covered in-network medical services and you pay just 20 percent.
Office Visit Copayment
- Every in-network office visit for covered illness and injury is paid at 100 percent after your copayment.
Prescription Coverage
- Copayments as low as $15 for common prescriptions. Certain drug levels require meeting a separate prescription deductible.
Waiting periods, limitations and exclusions apply.
Optional Benefits
Dental Traditional Plus
- Keep your smile looking healthy with access to more than 100,000 dentist locations:
• Coverage for preventive care, basic and major services
• Teeth whitening
• Discounts on orthodontia services
Lifetime Maximum Benefit
- Extend your coverage and get the added protection you need with the $8 million lifetime maximum option.
Zero Deductible Prescription Benefit
- Your pharmacy benefits will begin immediately when you choose our zero dollar deductible pharmacy option.
Life Insurance Coverage Options
- A life insurance rider for $20,000 is available to be purchased with your HumanaOne health plan.
If you would like to purchase a separate term life insurance policy from $25,000 to $150,000 along with your HumanaOne health plan, you must apply over the phone.
Supplemental Accident Benefit
- What if you had a minor accident that doesn’t cost a lot? It’s still a long way to go before meeting your deductible. With this benefit you’re covered right away–up to $1000 per incident.
Optional benefits available at an additional cost.
Introducing HumanaOne® Autograph™ … the personal health plan with the right balance of features and benefits that fit your lifestyle.
- Choose the level of protection you want, at a cost that fits your budget
- Pays benefits for covered hospital inpatient and outpatient services, emergency room care, preventive care, and certain plans also cover prescription drugs
- Extensive PPO network which more than likely includes the doctors, hospitals and pharmacies you now use
Basic Coverage Options
Deductibles
- HumanaOne Autograph personal health plan lets you customize your deductible for the right balance of cost and coverage. Single in-network deductibles range from $1,500 to $6,000, and family in-network deductibles from $3,000 to $12,000.
Coinsurance
- Once you have met the annual deductible of your choice, your HumanaOne Autograph plan will pay 80 or 100 percent of most covered in-network medical costs based on the plan you choose.
Office Visit Copayment
- With certain HumanaOne Autograph plans, up to six covered in-network office visits for illness or injury are paid at 100% after a copayment.
Prescription Coverage
- Certain HumanaOne Autograph plans offer a prescription drug benefit that covers eligible costs after a $1,000 deductible is met. Other HumanaOne Autograph plans either have no prescription drug benefit or will apply your prescription costs to your medical deductible.
Waiting periods, limitations and exclusions apply.
Introducing HumanaOne® monogram™ … our most affordable personal health plan that provides a safety net of coverage.
- Low-cost protection just in case of an unforeseen medical event.
- Includes a preventive care benefit that helps cover your annual exams and physicals
- With our extensive network, you’ll more than likely be covered anywhere a medical emergency strikes.
Basic Coverage Options
Deductibles
- HumanaOne monogram personal health plan lets you select a single annual in-network deductible of $7,500 or a family in-network deductible of $15,000.
Coinsurance
- When you reach your annual deductible, HumanaOne monogram pays 100 percent of most covered in-network medical costs after that.
Prescription Coverage
- Includes a prescription drug benefit with copayments as low as $15 for common prescriptions. Certain drug levels require meeting a separate prescription deductible.
Waiting periods, limitations and exclusions apply.
