March 12, 2010

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Humana – Autograph Total/HSA with Dental – ILLINOIS

A comparison of the Autograph Total/HSA with Dental offered by Humana is detailed out below for both Network and Non-Network coverage.

  Network Non-Network
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Network See Provider See Provider
Application Autograph Total/HSA with Dental Application Autograph Total/HSA with Dental Application
Brochure Autograph Total/HSA with Dental Brochure Autograph Total/HSA with Dental Brochure
Copay N/A N/A
Office Visit 100% after deductible 70% after deductible
Deductible $4,000 $8,000
Coinsurance 100% 70%
Coinsurance Limit Maximum Out-of-Pocket Expense Limit: $0 Individual and $0 Family. Maximum Out-of-Pocket Expense Limit: $6,000 Individual and $12,000 Family.
Out-of-Pocket Maximum Maximum Out-of-Pocket Expense Limit: $0 Individual and $0 Family. Maximum Out-of-Pocket Expense Limit: $6,000 Individual and $12,000 Family.
Lifetime Maximum $2,000,000 per covered person $2,000,000 per covered person
Prescription Drugs
  • Discount Card included
  • There is no coverage for retail and/or mail order prescription drugs unless stated in the policy.
  • Not covered
    Emergency Room 100% after deductible 70% after deductible
    Adult Preventative Care
  • Routine physical exam (Benefit payable after 90-day period for preventive care and 12 month waiting period for mental health)- 100% ($300 of covered expenses per person per calendar year, subject to applicable coinsurance).
  • Routine Pap smears and PSA(Benefit payable after 90-day period for preventive care and 12 month waiting period for mental health)- 100% (Age and/or frequency limits apply)($300 of covered expenses per person per calendar year, subject to applicable coinsurance).
  • Routine mammograms (Age and/or frequency limits apply)- 100%
  • Routine lab, pathology and X-ray (Benefit payable after 90-day period for preventive care and 12 month waiting period for mental health)- 100% after deductible ($300 of covered expenses per person per calendar year, subject to applicable coinsurance).
  • Not covered
    Child Preventative Care
  • Routine immunizations (to age 18) (Benefit payable after 90-day period for preventive care and 12 month waiting period for mental health)- 100% ($300 of covered expenses per person per calendar year, subject to applicable coinsurance).
  • Not covered
    Lab / X-Ray Autograph Total/HSA with Dental Autograph Total/HSA with Dental
    Maternity Complications of pregnancy and sick baby services- 100% after deductible. Complications of pregnancy and sick baby services- 70% after deductible.
    Physical Therapy Autograph Total/HSA with Dental Autograph Total/HSA with Dental
    Skilled Nursing 100% after deductible (up to 30 days per calendar year). 70% after deductible (up to 30 days per calendar year).
    Home Health Care 100% after deductible (up to 60 days per calendar year). 70% after deductible (up to 60 days per calendar year).
    Mental Health Autograph Total/HSA with Dental Autograph Total/HSA with Dental
    Hospital Care 100% after deductible 70% after deductible
    Optional Benefits Lifetime maximum benefit
  • $500 Supplemental Accident Benefit
  • $1,000 Supplemental Accident Benefit
  • Lifetime maximum benefit
  • $500 Supplemental Accident Benefit
  • $1,000 Supplemental Accident Benefit