Texas Humana Health Insurance  

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With the extensive Humana ChoiceCare Network, you have access to Humana doctors across the United States, so you never need to change insurance when you move out of Texas. More than 320,000 physicians and ancillary care providers in 50 states and the District of Columbia participate in this network helping Humana serve 1.3 million PPO members. It's not surprising that the independent insurance rating organization A.M. Best gives Humana a rating of A (Excellent).

Self-employed entrepreneurs, students, recent college graduates, early retirees, and those who may be uninsured can find the coverage they need at a price they can afford with HumanaOne, a division of Humana Inc. You and your family can choose from flexible "build-your-own" plans, and access many features usually only found in group health plans. That includes negotiated rates, wellness benefits, and special discounts.

You can run an instant quote to see detailed information about plan details, limitations, and restrictions.  Or contact us and we will help you decide on a plan that is right for you and your family.

Rate Information:

Rates on Humana plans in Texas 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.

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 Texas:

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.

eTXHealthinsurance is an independent authorized Humana agency. 

Humana Health Insurance of Texas in the News

Humana CEO compensation for 2009 jumps 26 percent (AP via Yahoo! News)
Health insurer Humana Inc. paid CEO Michael B. McCallister 26 percent more last year than in 2008, largely because of a $1.8 million performance-related bonus.

Humana CEO compensation for 2009 jumps 26 percent (San Francisco Chronicle)
Health insurer Humana Inc. paid CEO Michael B. McCallister 26 percent more last year than in 2008, largely because of a $1.8 million performance-related bonus. McCallister, 57, received compensation valued at $6.5 million for 2009, according to an Associated... Humana - Insurance - Michael B. McCallister - Health insurance - Business

Humana Fest to Present Rude Mechs' The Method Gun (Playbill)
The 34th Annual Humana Festival of New American Plays will present The Method Gun, a creation of the Austin-based theatre ensemble Rude Mechs, March 16-28 at Actors Theatre of Louisville.

Humana CEO compensation for 2009 jumps 26 percent (Bay News 9 Tampa Bay)
Health insurer Humana hikes CEO compensation 26 percent in 2009, mostly due to bonus

Humana CEO compensation for 2009 jumps 26% (FOX 41 Louisville)
McCallister, 57, received compensation valued at $6.5 million for 2009, according to an Associated Press analysis of a proxy statement filed Tuesday.

Cisco, Humana, Northrop Grumman, Tivo: U.S. Equity Preview (Bloomberg)
March 9 (Bloomberg) -- Shares of the following companies may have unusual moves in U.S. trading . Stock symbols are in parentheses. Prices are as of 7:45 a.m.

Final Glance: Managed Care companies (AP via Yahoo! Finance)
NEW YORK (AP) -- Shares of some top managed care companies were mixed at the close of trading: Aetna rose $.01 or percent, to $31.23. CIGNA fell $.71 or 2.0 percent, to $34.05. Coventry Healthcare fell $.26 or 1.1 percent, to $23.74. Humana fell $.01 or percent, to $47.94. UnitedHealth fell $.02 or .1 percent, to $33.08. WellPoint fell $.53 or .9 percent, to $61.43.

Midday Glance: Managed Care companies (AP via Yahoo! Finance)
NEW YORK (AP) -- Shares of some top managed care companies are mixed at noon: Aetna rose $.02 or .1 percent, to $31.24. CIGNA fell $.49 or 1.4 percent, to $34.27. Coventry Healthcare fell $.12 or .5 percent, to $23.89. Humana rose $.06 or .1 percent, to $48.01. UnitedHealth rose $.22 or .7 percent, to $33.32. WellPoint rose $.03 or percent, to $61.99.

Early Glance: Managed Care companies (AP via Yahoo! Finance)
NEW YORK (AP) -- Shares of some top managed care companies are mixed at 10 a.m.: Aetna rose $.14 or .4 percent, to $31.36. CIGNA fell $.62 or 1.8 percent, to $34.14. Coventry Healthcare fell $.02 or .1 percent, to $23.98. Humana rose $.06 or .1 percent, to $48.01. UnitedHealth rose $.16 or .5 percent, to $33.26. WellPoint fell $.22 or .4 percent, to $61.74.

Market Commentary and Intraday News (INO News)
(AP:INDIANAPOLIS) Health insurer Humana says CEO Michael McCallister made 26 percent more last year, largely due to a performance-related bonus.