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Humana Introduces New Individual Health Insurance Plans In Nevada

New PlanPointer Online Tool Guides Consumers Looking For Personal Healthcare Insurance with Humana


Thursday, October 9, 2008 10:30 am EDT



Public Company Information:


LAS VEGAS--(BUSINESS WIRE)--Humana (NYSE: HUM) today announced the introduction of a new portfolio of individual health insurance plans under its HumanaOne® brand in Nevada. Since 2007, Humana has introduced the individual health insurance coverage options in 25 other states (listed below), where they have been popular with consumers.

The variety of personal healthcare plans makes it easy for individuals and families to select a plan according to their own personal preferences, lifestyles and budgets. HumanaOne plans are designed specifically for self-employed entrepreneurs, small-business employees, part-time workers, students and early retirees. Humana markets HumanaOne plans through insurance agents and brokers, as well as directly to consumers. Health insurance quote applications for the plans are available online or by phone.

HumanaOnes new insurance plan portfolio includes a broad spectrum of benefits with multiple in-network coinsurance levels and annual deductible choices organized into three, distinct packages, for:

  • People who are security-minded and want benefits like those provided by big employers
  • People who want flexibility to fit their financial plan, including HSA-qualified offerings
  • People who want a low-cost plan with a safety net just in case

The plans can be further customized with optional benefits such as dental insurance, life insurance, and supplemental accident coverage.

With the U.S. market for individual health insurance at 18 million and growing, we recognize that individual health insurance plans cannot be one size fits all, said Steven DeRaleau, chief operating officer of HumanaOne. Thats why we created three separate families of plans, each tailored for a particular kind of consumer, but at the same time highly customizable. This represents the most significant product expansion for HumanaOne since its inception in 2002.

Online PlanPointer tool guides consumers in selecting a plan

HumanaOnes new PlanPointer tool now available on Humana-One.com guides consumers in selecting, personalizing and applying for a health plan that fits their needs.

With PlanPointer, HumanaOne is transforming what can be a time-consuming process applying online for individual health insurance into a quicker, easier process that gives applicants confidence they have selected the health plan that is right for them, DeRaleau said. Using plain language, PlanPointer guides applicants through a series of simple questions that allows them to make and refine choices, based on their personal healthcare needs.

Sometimes when buying individual health insurance, its not easy for consumers to find the right balance of coverage and cost, especially while trying to make sense of insurance jargon and complex data. With PlanPointer, HumanaOne clarifies any confusion for its online insurance applicants.

Applicants answer four basic questions regarding monthly premiums, benefit levels, prescription-drug coverage, and their interest in a Health Savings Account. As applicants answer each question, the list of appropriate plans narrows with only the most relevant plans appearing at the bottom of the display.

HumanaOne across the U.S.

In 2007 and 2008, HumanaOne launched its new products in all 26 states where it operates Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Nebraska, Nevada, North Carolina, Ohio, Oklahoma, South Carolina, Tennessee, Texas, Utah, Virginia and Wisconsin. At present, HumanaOne serves nearly 300,000 health plan members.

The new portfolio of HumanaOne plans offers in-network deductibles ranging from $1,000 to $7,500 for single coverage, and from $2,000 to $15,000 for family coverage. Premiums start as low as $30 per month for single coverage and increase according to the plan, its features and level of benefits.

Humana guarantees monthly premium rates on its HumanaOne plans for one full year after purchase, as long as the member remains in the same area and keeps the same benefits. Thanks to Humanas large network of doctors and hospitals, HumanaOne policyholders who move to a different state can simply take their plan with them, and in most cases, those who work or travel away from home can receive in-network benefits by seeing any of the more than 500,000 Humana-contracted doctors, hospitals and other healthcare providers across the country.

HumanaOne members have 24-hour access to online tools and resources, enabling them to check claims status, medical expenses, compare hospital, doctor and prescription costs and more. HumanaOne accepts applications by phone or via its Website at http://www.humana-one.com/.

About Humana

Humana Inc., headquartered in Louisville, Kentucky, is one of the nations largest publicly traded health and supplemental benefits companies, with approximately 11.5 million medical members. Humana is a full-service benefits solutions company, offering a wide array of health and supplementary benefit plans for employer groups, government programs and individuals.

Over its 47-year history, Humana has consistently seized opportunities to meet changing customer needs. Today, the company is a leader in consumer engagement, providing guidance that leads to lower costs and a better health plan experience throughout its diversified customer portfolio.

More information regarding Humana is available to investors via the Investor Relations page of the companys web site at Humana.com, including copies of:

  • Annual reports to stockholders
  • Securities and Exchange Commission filings
  • Most recent investor conference presentations
  • Quarterly earnings news releases
  • Replays of most recent earnings release conference calls
  • Calendar of events (includes upcoming earnings conference call dates and times, as well as planned interaction with research analysts and institutional investors)
  • Corporate Governance Information


Humana Corporate Communications
Jim Turner, 502-476-2119