S.B.I.S

"The Best Policy Is A Great Agent"

Small Business Insurance Services  Traditional & Tax Qualified Health Insurance

Call Toll Free (866) 724 7123
index sitemap advanced

Home About Us Health Insurance HSA Qualified COBRA Continuation Term Life Long Term Care Tips & Advice Contact
 

 

Consumer Reports Article 04/06/2009
"7 Signs A Health Plan Might Be Junk"

Beware Of Discount  "Health Plans"

Tips for finding Health Insurance when you've lost your job.

Guaranteed Issue Defined Benefit Health Insurance: Lots of Limitations!

Fed Allows 65% Cobra Premium Reduction For 9 Months! What Do You Do After the "Cobra Stimulus" Ends?

New PPACA Health Care Reform Law Extends coverage to your dependant child up to age 26 (or 30). They no longer need to be attending college.

Ten Questions To Ask Your Agent BEFORE You Buy Health Insurance

 What The Heck Is Consumer Driven Health Insurance? Can It Really Save You Money AND Lower Your Taxes?

If You Purchased Health Insurance From Mega Life & Health or Midwest National Life Through The National Association For The Self Employed (NASE) You Need To Know The Truth!
 
Click Play To Listen To Our Current
Health Insurance Radio Commercial
 

Humana is a publicly traded Insurance company listed on the New York Stock exchange under the ticker symbol HUM. Humana's   Individual and Small Group Health Insurance products offer financially-minded consumers peace of mind, greater savings, and  customer care. Their product portfolio offers a range of plans, options, and deductible levels. In addition, they make it  easy for  individuals to choose and use their benefits.

The most popular Individual Health Insurance plans are the Enhanced Co Pay individual plans & the Enhanced HSA individual plans. The most popular Small Group plans are the Humana PPO 08 Traditional plans. These plans vary by State and may include more or less coverage depending on your specific State health insurance mandates. To view the Humana plan brochures for your specific State please scroll to the bottom of this page. Watch the video below to find out how Humana makes it easy to budget for healthcare:

The Enhanced Individual Health plan series includes two different HSA (Health Savings Account) qualified HDHP's (High Deductible Health Plans). One that  includes coverage for outpatient  Prescription drugs and one that does not.

Humana also offers Vision, Dental & Life Insurance. Humana plans also now include the new Federally mandated benefits under the PPACA (Patient Protection & Affordable Care Act) effective September 23rd, 2010. They are as follows:

  • No lifetime limits on overall plan benefits, and no lifetime limit on the dollar value of specific "essential benefits."
  • Annual limits on essential benefits, only until 1/1/14.
  • Rescission only for fraud or intentional misrepresentation of material facts. (This was law before the PPACA).
  • Coverage of preventive health services and immunizations without cost sharing. Including the following

    Covered Preventive Services for Adults:
    • Abdominal Aortic Aneurysm one-time screening for men of specified ages who have ever smoked
    • Alcohol Misuse screening and counseling
    • Aspirin use for men and women of certain ages
    • Blood Pressure screening for all adults
    • Cholesterol screening for adults of certain ages or at higher risk
    • Colorectal Cancer screening for adults over 50
    • Depression screening for adults
    • Type 2 Diabetes screening for adults with high blood pressure
    • Diet counseling for adults at higher risk for chronic disease
    • HIV screening for all adults at higher risk
    • Immunization vaccines for adults--doses, recommended ages, and recommended populations vary:
      • Hepatitis A
      • Hepatitis B
      • Herpes Zoster
      • Human Papillomavirus
      • Influenza
      • Measles, Mumps, Rubella
      • Meningococcal
      • Pneumococcal
      • Tetanus, Diphtheria, Pertussis
      • Varicella
    • Obesity screening and counseling for all adults
    • Sexually Transmitted Infection (STI) prevention counseling for adults at higher risk
    • Tobacco Use screening for all adults and cessation interventions for tobacco users
    • Syphilis screening for all adults at higher risk

    Covered Preventive Services for Women, Including Pregnant Women:
    • Anemia screening on a routine basis for pregnant women
    • Bacteriuria urinary tract or other infection screening for pregnant women
    • BRCA counseling about genetic testing for women at higher risk
    • Breast Cancer Mammography screenings every 1 to 2 years for women over 40
    • Breast Cancer Chemoprevention counseling for women at higher risk
    • Breast Feeding interventions to support and promote breast feeding
    • Cervical Cancer screening for sexually active women
    • Chlamydia Infection screening for younger women and other women at higher risk
    • Folic Acid supplements for women who may become pregnant
    • Gonorrhea screening for all women at higher risk
    • Hepatitis B screening for pregnant women at their first prenatal visit
    • Osteoporosis screening for women over age 60 depending on risk factors
    • Rh Incompatibility screening for all pregnant women and follow-up testing for women at higher risk
    • Tobacco Use screening and interventions for all women, and expanded counseling for pregnant tobacco users
    • Syphilis screening for all pregnant women or other women at increased risk

    Covered Preventive Services for Children:
    • Alcohol and Drug Use assessments for adolescents
    • Autism screening for children at 18 and 24 months
    • Behavioral assessments for children of all ages
    • Cervical Dysplasia screening for sexually active females
    • Congenital Hypothyroidism screening for newborns
    • Developmental screening for children under age 3, and surveillance throughout childhood
    • Dyslipidemia screening for children at higher risk of lipid disorders
    • Fluoride Chemoprevention supplements for children without fluoride in their water source
    • Gonorrhea preventive medication for the eyes of all newborns
    • Hearing screening for all newborns
    • Height, Weight and Body Mass Index measurements for children
    • Hematocrit or Hemoglobin screening for children
    • Hemoglobinopathies or sickle cell screening for newborns
    • HIV screening for adolescents at higher risk
    • Immunization vaccines for children from birth - age 18 doses, recommended ages, and recommended populations vary:
      • Diphtheria, Tetanus, Pertussis
      • Haemophilus influenzae type b
      • Hepatitis A
      • Hepatitis B
      • Human Papillomavirus
      • Inactivated Poliovirus
      • Influenza
      • Measles, Mumps, Rubella
      • Meningococcal
      • Pneumococcal
      • Rotavirus
      • Varicella
    • Iron supplements for children ages 6 to 12 months at risk for anemia
    • Lead screening for children at risk of exposure
    • Medical History for all children throughout development
    • Obesity screening and counseling
    • Oral Health risk assessment for young children
    • Phenylketonuria (PKU) screening for this genetic disorder in newborns
    • Sexually Transmitted Infection (STI) prevention counseling for adolescents at higher risk
    • Tuberculin testing for children at higher risk of tuberculosis
    • Vision screening for all children
  • Dependent coverage extended to adult children to age 26.
  • Prohibition of pre-existing exclusions for individuals under 19.
  • Compliance with specific internal claims appeals processes and external review requirements.
    Source: http://www.healthcare.gov/law/about/provisions/services/lists.html


Humana Individual & Small Group Major Medical Health Insurance Plans

  •  Humana Insurance Company (www.humana.com) Rated A-(Excellent) by A.M. Best

  •  Consumer Driven HSA qualified HDHP available.

  •  Multipled different Individual Traditional Health Insurance Plans to choose from.

  •  Organ transplants covered same as any other illness.

  •  4 tier outpatient R/X card included with most Individual & Small Group Health Insurance plans.

  •  Unlimited outpatient "first dollar" (no deductible required) doctor office sick visit co pays available with most plans.

  •  $1,000 to $5,000 individual calendar year deductibles to choose from with most plans.

  •  100%, 90/10 and 80/20 co-insurance options to choose from with multiple stop loss numbers.

  •  Nationwide P.P.O network. Find out if your doctors are in network here: Humana Provider Network Search 

  •  Unlimited Lifetime Maximum coverage amounts for each insured.

  •  All of the aforementioned Preventative Care mandates now included.

  •  Optional "first dollar" A.M.E. plan providing up to $10,000 of "first dollar" (no deductible required) per accident

  •  Optional Dental, Vision and Life Insurance available.

Humana One INDIVIDUAL Plans Brochure ARIZONA 2011 ( PDF format)

  Humana One INDIVIDUAL Plans Brochure ILLINOIS 2011 ( PDF format)

Humana One INDIVIDUAL Plans Brochure INDIANA 2011 ( PDF format)

 Humana One INDIVIDUAL Plans Brochure MISSOURI 2011 ( PDF format)

Humana One INDIVIDUAL Plans Brochure NORTH CAROLINA 2011 ( PDF format)

Humana One INDIVIDUAL Plans Brochure OHIO 2011 ( PDF format)

 Humana One INDIVIDUAL Plans Brochure SOUTH CAROLINA 2011 ( PDF format)

 Humana One INDIVIDUAL Plans Brochure TEXAS 2011 ( PDF format)

 Humana One INDIVIDUAL Plans Brochure WISCONSIN 2011 ( PDF format)

Click on the left to generate a Brochure for each Humana SMALL GROUP Plan in your State ( )

Click below for FREE side by side comparison quotes for Term Life Insurance coverage from multiple carriers.



World Care Individual Dental Insurance Plan Brochure ( PDF format)

Since accidental injuries are far more likely to occur than major medical illnesses (most especially when you have active children) many families are choosing to purchase supplemental accident expense plans. These plans pay you a cash benefit of $2,500, $5,000, $7,500 or $10,000 when an accidental injury occurs. This cash can then be used to pay your health insurance plan deductible. Supplemental Accident Expense plans are also a great way to save money because you can choose a higher deductible than you would normally choose knowing that you will not have to pay that deductible if an accidental injury occurs to any member of your family. Click below for more information:


 

Supplemental Accident Expense plans can also be coupled with Critical Illness plans. In fact, Supplemental Accident Expense plans are often cheaper when coupled with Critical Illness plans. Why consider Critical Illness coverage?

Approximately 1.2 MILLION people suffer heart attacks each year. Approximately 780,000 people suffer strokes each year. More than 1.4 MILLION new cancer cases were estimated for diagnosis in 2007 alone. Between 1994 and 2004, the death rate declined approximately 31% for heart attacks and almost 24% for strokes. (Source: American Heart Association, Heart and Stroke Statistical Update, 2008.) The possibility of surviving a Critical Illness before age 65 is almost twice as great as dying. (Source: National Center for Health Statistics.)

WOULDN’T A CHECK BE BETTER THAN A GET WELL CARD? Critical Illness benefits are paid directly to you. You choose how to spend the benefit at a time when you and your family may need extra cash the most. For example:

  • Home Health Care
  • Cost of Caregivers
  • Lost Income of Self or Spouse
  • Daily Living Expenses
  • Co Pays, Deductibles & Co-Insurance
  • Non -Covered "Experimental Treatments
  • Housekeeping or Child Care Expense
  • Maintenance of Your Family's Quality of Life

American Financial Resources Inc. (www.gafri.com) A subsidiary of American Financial Group Inc. (www.afginc.com) has introduced a new Supplement Accident Expense plan that also includes Critical Illness coverage and it's extremely well priced. Adding this product to any health insurance plan would not only alleviate the worry of paying your health plan deductible if you or a family member where to suffer an accidental injury but it will also provide you a much larger cash benefit (up to $50,000) if you or a family member where to contract a critical illnesses such as life threatening Cancer, Stroke, Kidney failure, Major Organ Transplant, Muscular Dystrophy, Multiple Sclerosis or if you suffer a Heart Attack.  For more information about this unique and affordable plan click the brochure below. For a free quote, please contact us and we will send you quotes via email. Or call us toll free @ (866) 724 7123.



© Copyright 2000 S.B.I.S. Inc.

counter for tumblr