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.

You can also learn more about Humana Dental Plans.

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.

Additional Coverages

HumanaOne also offers several additional forms of insurance coverage. These include things such as:

• Critical Illness:  Pays a set amount of money for a cancer diagnosis or heart attack.  Visit our Humana Critical Illness page for more information.
  
  
• Hospital Cash Value:  Pays a set amount of money in the event of hospitalization or emergency room treatment.  Visit our Humana Cash Value page for more information.
  
  
• Memorial Fund:  Whole Life Insurance designed to pay your final expenses and more.  Visit our Humana Memorial Fund page for more information.

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

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(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
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Humana Provides 2012 Earnings Forecast Less Than Analyst Average Estimates
Humana Inc. (HUM) , the second-largest Medicare provider, raised its 2012 earnings forecast less than analysts estimated, saying the company expected an increase in Medicare Advantage membership.

Humana profit jumps and firm lift year outlook
Humana Inc.’s fourth-quarter earnings rose 86% as the health insurer continued to benefit from membership growth and light use of health benefits.

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Humana Lags on Employer Group Loss - Analyst Blog
Humana Inc. 's ( HUM ) fourth-quarter operating earnings came in at $1.12 per share, lagging the Zacks Consensus Estimate of $1.20 andthe year-ago earnings of $1.14. The fourth quarter

Health insurer Humana posts 4th-qtr profit gain
Humana Inc. said Monday its fourth-quarter profit surged 86 percent on the strength of higher-than-expected Medicare Advantage enrollment and continued low use of its health care services.

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Stocks that moved substantially or traded heavily Monday on the New York Stock Exchange and Nasdaq Stock Market:

Health-care Stocks: Humana falls, HCA climbs on earnings news
Investors reward HCA Holdings over its fourth quarter and outlook as Humana’s results deliver a surprise.

Humana posts higher profit, raises outlook
LONDON (MarketWatch) -- Humana Inc. on Monday reported a fourth-quarter profit of $313 million, or $1.20 a share, up from $174 million, or 63 cents a share, a year earlier. Revenue came in at $9.06 billion, up from $8.28 billion in the year-ago period. Analysts polled by FactSet Research were looking for a profit, on average, of $1.20 a share with sales of $9.26 billion. For 2012, Humana raised ...