Humana - Texas Health Insurance Plans for Businesses
Insurance Carrier Overview
Humana offers a variety of medical, dental, and vision coverage. Humana offers two main types of networks; (1) statewide PPO and HMO networks and (2) region specific HMO networks. Humana's full PPO plans have an expansive network of doctors and hospitals.
Humana is also very small business friendly, and covers many classes of small businesses that other insurance carriers do not, such as owner-only companies and husband/wife-only companies.
Statewide Network Overview
| Network |
Type |
# of Texas Doctors |
# of Texas Hospitals |
Cost Savings vs. Full Network |
| ChoiceCare PPO |
PPO |
82,000 |
420 |
|
| NPOS - Open Access |
PPO |
82,000 |
420 |
11% |
| HMO Premier |
Full HMO |
42,000 |
227 |
12% |
-
ChoiceCare PPO: Full PPO network with access to a very large Texas doctor network and nationwide coverage on Humana's national network.
-
NPOS - Open Access: Similar to the ChoiceCare PPO network in breadth, however the NPOS plan separates physicians into preferred vs non-preferred tiers. Going to physicians in the preferred tier will result in lower bills than a physician on the non-preferred tier. Plans on this network are ~11% less expensive than the full network.
-
HMO Premier: Humana's full HMO network is comparable in size to the BCBS HMO, however is similar in cost to the NPOS network.
Regional HMO Network Overview
| Network |
Type |
# of Texas Doctors |
# of Texas Hospitals |
Cost Savings vs. Full Network |
| Austin HMOx |
Narrow HMO |
1,200 |
11 |
31 |
| Houston HMOx |
Narrow HMO |
4,000 |
30 |
29% |
| San Antonio HMOx |
Narrow HMO |
2,500 |
20 |
17% |
-
Humana has three region specific HMO plans for Austin, Houston, and San Antonio.
-
Only companies located in-network can get the plans, and only have access to doctors and hospitals within the regional network, and do not provide statewide or nationwide coverage, except for emergency medical care.
-
The rates for the narrow network plans can be up to ~30% less than the full network, so these plans can worthwhile for companies on a budget.
Top Humana Plans in Texas
Health Insurance Information by State
Other Insurance Companies in Texas
