Healthcare has come a very long way since the days of going to the doctor, then the pharmacist, and then to the mailbox to retrieve the doctor’s bill. The evolution of healthcare and all of its complexities led to poor quality care, unaffordable medication, and undecipherable medical bills.All managed healthcare companies support the business of healthcare delivery, and that includes supporting the consumer. Newsweek ranks Humana as the number 1 Best in Customer Service among health insurance companies for 2019. Find out why by starting out at Humana login.
Humana Company Profile
Humana was founded in 1961 as a nursing home company. It graduated to becoming a hospital business in the 70s and entered the health insurance industry in the 80s. In the 2000s, Humana joined hands with a company to offer physicians and other health providers an online portal to do business, then joined with Virgin Group to offer financial incentives to those who adopt a healthy lifestyle, and finally formed RightSource, a nationwide pharmacy business. Humana has a $39.2 billion market cap and a nearly $284.25 share price, which is nice for investors. Humana employs over 45,000 people.
Humana Operations
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Humana was founded in 1961 as a nursing home company. It graduated to becoming a hospital business in the 70s and entered the health insurance industry in the 80s. In the 2000s, Humana joined hands with a company to offer physicians and other health providers an online portal to do business, then joined with Virgin Group to offer financial incentives to those who adopt a healthy lifestyle, and finally formed RightSource, a nationwide pharmacy business. Humana has a $39.2 billion market cap and a nearly $284.25 share price, which is nice for investors. Humana employs over 45,000 people.
Retail
The Retail segment serves as a Medicare-approved benefits manager for individuals and group accounts. Humana contracts with CMS to manage the Limited Income Newly Eligible Transition (LI-NET) prescription drug plan program and contracts with certain states to provide Medicaid, dual eligible, and long-term support service (LTSS) benefits. Humana also offers fully insured medical and special fee insurance benefits to individuals including dental, vision, supplemental health, and financial protection products. In the collective, these retail offerings are referred to as state-based contracts.
Group
The Group division offers fully insured medical and specialty health insurance benefits including dental, vision, supplemental, and voluntary benefits at the commercial level. At Humana login, group users can also find Administrative Services Only (ASO) options.
Healthcare Service
The Healthcare Services division offers benefits to Humana’s health plan members and third parties including pharmacy options, provider services, home health services, clinical enterprises, and interventions to support population health.
What Exactly Does Humana Do?
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The Humana login gets the ball rolling for employers, Medicare recipients, the military, and individuals. Humana also offers support services.
Group Benefits
Humana offers employers a way to provide benefits for their employees by dividing benefits for groups of 2 through 50 and groups of 51 or more. Smaller groups can obtain medical, dental, vision, and life insurance. Groups of 51 or more can purchase the same benefits plus integrated pharmacy options. Employees can also earn incentives for health-promoting behaviors. Benefits, however, are not evenly provided in every state.
Medicare Benefits
For those who are Medicare eligible, one click at Humana login will send them on their way to discovering what is available at Humana Medicare. Humana Medicare Advantage plans are designed to cover the 20% gap between the Medicare payout and individual responsibility. Some plans include prescription coverage. Humana offers four plans:
- Humana Gold Plus HMO
- Humana Choice PPO
- Humana Gold Choice PFFS
- Special Needs Plans (SNPs)
Military Benefits
Humana Military is Humana’s Department of Defense contractor that manages the TRICARE benefits program for active and retired military personnel and their families. Humana Military serves beneficiaries and providers in 32 states and can be accessed at Humana login.
Individual Benefits
As of 2018, Humana no longer offers individual health insurance plans at the Humana business level. Instead, Humana has joined in partnership with eHealth to assist consumers and current Humana customers in finding alternative medical insurance plans. Humana still offers individual and family options for dental, vision, and pharmacy services.
How Does Humana Help Individuals?
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Humana login gets individuals started towards locating and managing their dental, vision, and pharmacy care.
Humana Dental Insurance
Humana offers five dental plans:
- Humana Dental Loyalty Plus
- Humana Dental Value
- Humana Dental Preventive Plus
- Humana Dental Savings Plus
- Humana Complete Dental
All of Humana’s dental plans offer varying levels of preventive services, basic services, and major services.
Humana Vision Insurance
Humana’s vision benefits depend on the state the consumer lives in. The plan type is typically a PPO. All plans include a variation of an annual vision exam and a yearly allowance towards corrective lenses. By clicking on the Humana login, consumers can review options with some vision plans such as specialty lenses, frame allowances, and discounts on services like Lasik.
Humana Pharmacy Services
Since medication needs are so individualized, the Humana login is the starting point for consumers to shop for a pharmacy plan that meets their needs. Humana Pharmacy has a preferred cost-sharing mail delivery unit available for many plans. A 90-day supply of medication significantly lowers the co-pay and saves the consumer time. Humana offers three stand-alone prescription drug plans (PDP):
- Humana Walmart Rx Plan (PDP)
- Humana Preferred Rx Plan (PDP)
- Humana Enhanced (PDP)
Support Services
Humana offers other services to plan members and third-parties through subsidiaries.
- Pharmacy services
- Provider services
- Behavioral health services
- Homecare services
- Health technology services
The Humana Services segment also provides mission-critical solutions directly to members instead of paying third-party businesses, thus saving money for Humana’s bottom line:
- Primary care solutions
- Preventive health solutions
- Pharmacy solutions
- Home health solutions
- Informatics
Humana Login & Online Services
The Humana login starts with the click of a mouse. The convenient dashboard is packed with information and selections without being so busy that it overwhelms members and insurance seekers. Sign-in is located at the top right in a convenient maroon button. Never fear, the search button is near; in fact, it is immediately to the left of the sign-in button.
Again, viewing the top of the website or dashboard, one can read from left to right to discover drop-down menus to guide them in their quest for healthcare excellence. Selecting the Shop for Plans button reveals six options:
- Medicare
- Dental
- Vision
- Medicaid
- Pharmacy
- Employer
Moving to the left, selecting the Member Resources button reveals three group headings atop of multiple sub-selections:
- MyHumana
- Manage Your Health
- Member Guidance
At the very top left is a very interesting button called Other Humana Sites. Selecting this button will reveal a pathway for providers, employers, agents and brokers, investors, and caregivers. The last three options, however, are probably the three most important in terms of the member-website interface and reiterates the above member resources.
Conclusion
Humana is a health management company that serves as a middleman between the patient, the healthcare provider, and the third-party payer. The payers for Healthcare Services such as Medicare decided they were no longer going to blindly pay every bill that was sent to them without demanding quality care in return – thus resulting in the Affordable Care Act, the HITECH Act, and the HIPPA Act.
Since this change, healthcare providers have had to make medical loss management a priority over profit. While the consumer of healthcare services is receiving a better quality of care, it comes at a heavy cost with ever-shrinking services but is conveniently managed through sources such as the Humana login.
Humana has steadily racked up value for its shareholders and value for its clients through its Retail, Group, and Healthcare Services divisions. It offers group, Medicare, military, and individual benefits, although it no longer offers medical health care plans for the individual. Instead, accessing the Humana login will lead individuals to the options for dental, vision, and pharmacy services.
The Humana login also provides direction to its services sections, where home-care, health technology, and behavioral services, among others, can be found. Humana’s services section also offers solutions directly to its members who service the services, so to speak. Humana offers solutions for primary care, preventive health, pharmacy, home health, and informatics problems.
Make no mistake, the Humana login is the entrance to a business designed to minimize risk and create as much profit as possible. Humana is expected to create value for its shareholders and increase profitability for healthcare providers while keeping them in line with all the rules and regulations dictated by the government. Humana contracts with the government, including the military and is expected to return quality care in exchange for payments.
Most consumers perceive that they are at the bottom of the list of priorities in the quartet of players in the great healthcare delivery drama. The ever-increasing financial burden is being paired with ever-shrinking benefits for the recipient of healthcare services. At the Humana login, however, consumers can manage the benefits they do receive from their employers, government, and the military through a well-designed and convenient website or dashboard.
Individuals are not completely forgotten at Humana, in that individuals can still shop for and manage vision, dental, and pharmacy benefits. At the Humana login, customers will find one of the best-designed websites to manage the healthcare they receive.
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