Vanhu vazhinji havatombofungi zvakanyanya ne inshuwarisi yavo yezino. Icho-chechokwadi-kusvikira vachichida icho! Humana Inishuwarenzi ndeimwe yevashandi vakawanda vehutano inshuwo muUnited States uye inopa zvirongwa zvevanhu, mapoka nevanoshandira.
Dzimba dziri muLouisville, Kentucky, Humana Health Insurance Company inopa utano, mazino, Medicare uye mapoka ehutano hwehutano hwehutano munzvimbo dzose 50, Puerto Rico uye District of Columbia.
Iyo ine simba rakanaka rekubhadhara mari kubva kune idzi masangano makuru ehushuwarenzi :
- AM Best - "Zvakanaka"
- Moody's Investor Service - "A1 Upper-medium rating nechepasi chekwereti"
- Muchidimbu & Zvakaipa (S & P) - "A + Simba"
- Fitch - "AA- Yakasimba Kwazvo"
Humana Inishuwarenzi yakagamuchirawo mubayiro weJD Power uye Associates nokuda kwe "Highest Member Membership Kugutsikana pakati pezvirongwa zvehutano hwebhizimisi kumatunhu eTexas, North Carolina, South Carolina neGeorgia. Humana Insurance isangano reBBB rakagadzwa ne "A +" rating. Pane huwandu hunokwana makumi matatu nemakumi mana nemakumi matatu nemanomwe ekumhan'ara uye kambani yakagamuchira 3.71 kubva pa5 nyota inowanikwa zvikwata zvichibva kune makumi mashanu ekuongororwa kwevatengi.
Humana Dental Plans
Humana zvirongwa zvemazino zvinogona kutengwa semunhu mumwechete purogiramu yekugovera kana kuburikidza nehurongwa hwehutano hwako kuburikidza nemushandi wako. Iwe unogona kushandisa in-network meno kuti uwane mari yakawedzerwa; zvisinei, kana iwe ukasarudza kuonana neyanyanzvi, iwe hauchazobvunzi kuti uwane kutumirwa kubva kune wako mukuru wekuchirapa mazino.
Iko mari yekuona chiremba wemazino kunze kweaidiwa mupiro webhutano inopfuura yeavo mukati memutambo. Heano mamwe emhando yehutano yemainishuwarenzi ingasarudzwa kuburikidza neHumana:
- Humana Kudzivisa Plus Package yeVeterans : Iyi purogiramu inokubvumira kusarudza chero nyanzvi yamazino, mukati kana kunze kwe-network. Iko kune gore rinotengeswa re $ 150 kune mhuri kana $ 50 pamunhu. Iyo deductible haisi kushandiswa kunotswa mabasa. Mari yako yegore negore yakawanda kana $ 1,000. Hapana nguva yekumirira yekuchengetedzwa kwekuchengetedza uye mwedzi mitanhatu yekumirira kune mamwe maitiro ekutanga emazinyo uye kuvhiyiwa mumuromo. Chirongwa ichi chinosanganisira kucheneswa kwemuitiro uye x-ray mazana zana.
- Dental Kuvimbika Plus : NaDental Kuvimbika Plus, iwe unogonawo kusarudza kana mukati kana kunze kwe-network meno. Pane nguva imwe chete inotengeswa $ 150 nemunhu kana $ 450 pamhuri. Iyo yakagadzirirwa inoshandiswa chero bedzi iwe uchichengeta chirongwa chakafanana. Kubatsira maximums nde: 1 st gore - $ 1 000; 2 negore - $ 1,250; uye makore matatu kana kupfuura - $ 1,500.
- Dental Preventative Plus : Sarudza mukati kana kunze kwe-network meno. Iyo yakagadziridzwa iri $ 50 pamunhu uye $ 150 pamhuri iyo isingashandisi kumabhadharo mazano. X-rays uye kuchenesa zvakavharwa zana muzana uye hakuna mari yekubhadhara yehofisi yekushanyira. Hapana nguva yekumirira inoshandiswa mukuchengetedza kwekuchengetedza uye nguva yekumirira mwedzi mitanhatu yekuvhiya nomuromo, kuzadza uye mamwe maitiro ekutanga emazino.
- Dental Savings Plus : Gamuchirai zvidzidzo zvekushandisa chero mu-network network meno. The Dental Savings Plus chirongwa chekubvisa uye kwete inshuwarisi. Hapana nguva yekumirira zvikomborero zvinowanikwa kuburikidza neurongwa. Iwe unogona kuwana tsananguro yemabasa anodiwa. Iko kune imwe nguva yekubhadhara mari ye $ 15.
Pros uye Cons
Pros
Iwe webhusa yeHumana inogadzirisa maitiro ekugadzirisa mazino ehutano ehutano uye webhusaiti yayo ine mazano anobatsira paIndaneti Iyo kambani inewo shanduro yefoni. Dental inshurenzi kuburikidza neHumana inogona kupa zvikwereti zvakakura zvemazinyo ehutano nekuchengetedza kuchengetedza, dzimwe nguva kusvika 45 muzana.
Iko-nguva imwechete yakagadzirirwa inopiwa kuburikidza neLoyalty Plus Program-kusiyana negore rinotapudzwa rinopiwa nevakawanda vanotakura mazino-rinogona kukuchengetedza zvakanyanya pamari yemari. Kudzivisa Kuwedzera kune Veterans kunopa zvikodzero zvepamusoro pamitemo. Kuburikidza nesebasa rekuInternet, unokwanisa kuisa uye kutarisa zvikwereti muIndaneti, kubhadhara kana kuwana vanachiremba uye nyanzvi munharaunda yaunofarira kupa mutevedzeri.
Cons
Hasi mapurogiramu ese ehutano ehutano anopiwa kuburikidza neHumana cover orthodontic maitiro. Pane chekubhadhara; zvisinei, kana iwe uchitenga mazino uye maonero ekuona, mari yekunyora kune imwe ichakuregererwa iwe. Sealants haafaniri kufukidzwa kune varwere vanopfuura makore gumi nemasere. Haasi zvirongwa zvose uye zvigaro zvekugovera zvinowanikwa mune imwe nyika.
Contact Information
Kuti uone Humana pamusoro pemishuwarenzi yemazino kana kudzidza zvakawanda nezveimwe michina yemishandisi, unogona kushanyira Humana Health Insurance Website kana kushandisa sangano redu rekutsvaga kuti tiwane nheyo yakakwana yefoni yekufonera nhamba zvichienderana nekubatsira kwako.
(Kubva pane ruzivo kubva kune webhusaiti yekambani, Humana akaudza mutengi wayo nezvechiitiko chekuchengetedzwa kwekuchengetedzwa kwenyika apo chiitiko chekuti spoofing chiitiko chakanga chaitika musi waMarch 20, 2017. Nhengo dzakakurudzirwa kugadzirisa mapepa uye chero ani ane mibvunzo anofanira kudana 866-427-7478. )