Company Overview
Iwe unogona kutenga inshuwarisi yehutano kubva kuHumana mune zvese makumi mashanu uye muDunhu reColumbia pamwe nePuerto Rico. Kambani inotengesa mumwe munhu inshuwarisi, Medicare zvirongwa uye boka remishonga inshuwarano yehutano kumabhizimisi. United Healthcare yakaedza kusakwanisa kuwana Humana muna 1998, asi kubatana kwakakundikana.
Pakutanga, Humana akanga asiri kambani yemishuwarisi zvachose, asi nekambani yekuchengetedza musha. Yakatanga muna 1961 uye muna 1974, yakatanga kuzivikanwa se "Humana." Humana aishanda mumunda wekutsvakurudza kwehutano uye akaita kuti Jarvick uye DeVries 'vatsvakurudzo yemwoyo yavo. Humana anosimbisa kufarira kwayo muzvipatara uye kutsvakurudza kwehutano. Sangano rinotarisira chirongwa cheshuwarhu yehutano yeTritain yeHondo yeUnited States uye inopawo PGA uye Champions Champions golf. Humana ave ari mutungamiri mumashandiro einishuwarenzi nyanzvi yekugadzirwa kwekambani uyewo, kugamuchira "Stevie Awards" nokuda kwekushanda kwayo, MyHumana Mobile.
Yaiva Mutungamiri weVanhu muChechi ye "yakanakisisa chigadzirwa kana kushanda kwegore."
Simba reMari uye Kugutsikana Kwevatengi
Humana ane "A-" Inonyanya kukosha kuburikidza ne AM Best inshuwarano yekodzero sangano . Nhamba yaMoody yevanhu ndeye "Baa3" apo Fitch yekuti "BBB-." Humana akave akacherechedza uye akagamuchira zvinyorwa zvakasiyana-siyana uye zvikwereti zvinosanganisira Dorland Health Award nokuda kwebasa rakasiyana nemutambo mu Medicare Advantage mukana wehushurenzi vatengi vanopfuura 55.
Iko kambani yakagamuchira JD Power uye Associates Award ye "Higest Member Satisfaction pakati peZvipatano Zvoutano zveBurumende muTexas." Humana akapiwa mupiro iwoyo kune zvinyorwa zveNorth Carolina, South Carolina, uye Georgia.
Bhizimusi Bhizinesi Bureau Rating
Humana, Inc. ine "A +" rating neBusiness Business Bureau. Yakave iri bhizimisi rakagamuchirwa kubva muna 1998. BHB file yeHumana yakavhurwa muna 1979. Humana akawana bhodhi yezvikwata zveBBB zvinokwana 3.71 kubva kune 5 nyeredzi zvichibva kune makumi mashanu ekuongorora. Kubva kuongororwa kwevatengesi 45, 44 vane zvakaipa uye pane 1 kuongorora kwakanaka. Iko kune zvikwereti zvinokwana 385 zvinotarisirwa nevatengi zvakanyorwa. Pakati pemakororo makumi matatu nemakumi matatu nemakumi matatu nemasere akatariswa mukati memakore matatu apfuura, makumi mashanu ematambudziko aya akavharwa mukati memwedzi gumi nembiri yapfuura. Kuparara kwekunyunyuta kunotevera: 385 kukwirira kwakazara; 225 kunyunyuta nemitengo kana mabasa; 1 kunyunyuta nevimbiso / nyaya dzevimbiso; 13 kumhan'ara nekutumira nyaya, zvikwereti 125 nemhosva yekubhadhara / kuunganidza uye makomba 20 nekutengesa / kutengesa nyaya.
Muchikamu chebasa revanhu, Humana ane chikamu chekunyunyuta, sezvinoita makambani makuru emishonga yveshuwarisi yehutano. Iyo inoita, zvisinei, inochengetedza kubvumirwa kwayo kweBusiness Business Bureau.
Ruzhinji rwekunyunyuta kwakarongwa kunosanganisira mapurogiramu ane michina kana nyaya dzebasa.
Health Insurance Options
Kuti utenge inshuwarisi yehutano kuburikidza neHumana, unogona kutenga mutemo kuburikidza nevanoshanda vemo vanomiririra Humana. Uine inshurensi yehutano yeHumana, iwe une sarudzo yekubatsira kune HSA kana kuti accountcare savings account. Nenyaya iyi, iwe unogona kuchengetedza mari yekuisa kune yako kuchipatara yakabviswa. Izvi zvinokosha kana iwe uchinzwa iwe unogona kunge uine dambudziko rinouya nemari yekubhadhara re deductible yakawanda. Kunewo mari yekubhadhara pamwe nePPO (inofanirwa kupa mupiro sangano) uye chirongwa chinoripa 100% mushure mekunge mawana kubviswa kwenyu kwegore. Iwe unogona kuwedzera zvikwata kuhutano hwehutano hwehutano hwakadai semishonga yemishonga, mazino kana zvirongwa zvekuona kuwedzera kugovera kwako.
Tarisa webhusaiti yeHumana kuti uwane mamwe mashoko pamusoro pekuwanikwa kwekuwedzera mazano uye zvigadziro zvezvirongwa mune dzimwe nyika.
Iwe unonyanya kuva nehutatu hutano hwehutano hwekupa mukana wehutano kuburikidza nehutano hwehutano hweHumana:
- HMOs : Kana ukashandisa HMO, iwe uchange uine huwandu kune chete uchishandisa vashandi vehutano uye zvivako mukati memutambisi wekambani. Kune nhamba yakawanda kwazvo yezvisarudzo zviripo, asi zvakare, unofanira kugara mukati memupi wekunamatira. Iyi ndiyo nzira inonyanya kukosha yekutarisira hutano kuburikidza neHuman.
- PPOs : NeMupi waunoda kupiwa, iwe une zvishoma zvishoma. Iwe une sarudzo yekushandisa kunze kwe-network; zvisinei, kana iwe uchidaro, kambani ye inshuwarisi ichavhara zvishoma mari inodhura. Iwe unoponesa mari kana iwe ukashandisa zvipatara, makiriniki, uye vanachiremba vari mukati mekunakidzwa kunopa mukana.
- Nzvimbo dzeChechi Indemnity Plans : Nokutsvaga chirongwa chechipo chekuchengetedza hutano, une rusununguko rwokusarudza nzvimbo yekuchengetedza utano kana chiremba waunosarudza. Zvisinei, chirongwa ichi chinodhura zvikuru kutenga kupfuura chirongwa cheHMO kana PPO.
Mushandi Wehutano Wemainishuwarenzi
Kune vashandi, Humana inopa chirongwa chakakonzerwa zvikuru chinobatsira makambani kuchengetedza hutano hwehutano huri pasi kune vashandi. Vashandi vakawanda vanobatsirwa nekushandisa HSA (Healthcare Savings Account) kuchengetedza mari kune chero zvakakosha zvinodiwa uye pachinakidzwa nehurukuro dzepasi peinishuwarenzi yehutano. Humana youtano hwehutano hwehutano hunoshandiswa hunovhara chete mari yekuchengetwa kwezvipatara uye hutano hwehutano hwehutano hwakadanwa hunoti "Coverage First." Iyi ndiyo inosvitsa mari yehutano yehutano kune avo vanoda kumira mubhajheji. Purogiramu ye "Point-of-Service" inotipa sarudzo yekushandisa kana mune-network kana kunze kwe-network providers.
Medicare Coverage
Kune avo vanogamuchira Medicare , Humana ane dzimwe nzira dzakasiyana-siyana dzinosanganisira zvinodhaka zvinodhaka uye zvirongwa zveMedare Advantage. Humana akabatanawo neWal-mart pharmacy kuti ape (PDP) kana kuti aida chirongwa chemishonga chinodhaka. Iwe unogona kutengesa zvinyorwa kuburikidza neurongwa uyu we $ 15 chete pamwedzi. Izvi zvakakosha zvikuru kune vazhinji vakwegura vakwegura vanofanira kutora mishonga nguva dzose yemishonga.
Pros
- Mari Inogadzikana
- Kusiyana kwehutano hwehutano inshumo inowanikwa
- Inoshuwarenzi yehutano yehutano huripo
Cons
- Kuti uwane mari yakanakisisa, unofanira kushandisa HMO kana PPO Plan .
- Kutinhira kwevashandi kwekambani munzvimbo dzezvigadzirwa nemabasa
Company Contact Information
Kuti uwane zvakawanda pamusoro pehutano hwehutano hwehutano hwehutano kana kuti kuwana vashandi vekune imwe nzvimbo, unogona kushanyira webhusaiti yeHumana. Pane humwe huwandu hwekubatana kweHumana zvichienderana nekuti iwe uri mutengi wezvino kana kutarisa kutenga utano hwehutano inshuwarisi. Iwe unogona kuwana awa mahofisi paHumana titaure nesu peji.