Searching for an Affordable Louisville Kentucky health plans? Humana, a locally based company may be your best bet. Humana Inc., headquartered in Louisville, Kentucky, is one of the nation’s largest publicly traded health insurnace companies, with approximately 10.3 million medical members and approximately 7.2 million specialty-benefit members (dental, medicare, vision, etc).
Humana is a full-service benefits-solutions company, offering a wide array of health and supplementary benefit plans for employer groups, government programs and, specifically, individuals. You can find free Humana quotes here.
Over its 49-year history, Humana has consistently seized opportunities to meet changing customer needs. Today, the company is a leader in consumer education, providing guidance that leads to lower costs and a better health plan experience throughout its diversified customer portfolio.
Humana offers several types of plans: Copay, HSA, and Short-Term Plans. Each of these plans are considered PPO plans. As a member of a PPO (Preferred Provider Organization) plan, you'll be encouraged to use the insurance company's network of preferred doctors and hospitals which could be either exclusively located here in Kentucky or even nationwide. These healthcare providers have been contracted to provide services to the health insurance plan's members at a discounted rate. You typically won't be required to pick a primary care physician but will be able to see doctors and specialists within the network at your own discretion.
You will probably have an annual deductible to pay before the insurance company starts covering your medical bills. You may also have a co-payment for certain services or be required to cover a certain percentage of the total charges for your medical bills.
With a PPO plan, services rendered by an out-of-network physician are typically covered at a lower percentage than services rendered by a network physician.
Do you have more questions about affordable Kentucky Health Plans? Contact us or leave a comment!
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