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This is a summary of the features of the Humana HMO, CoverageFirst and Value Plan. Before making a final decision, please read the Plan’s Federal Brochure (RI 73-829, RI 73-025, RI 73-070, RI 73-278, RI 73-862, RI 73-883, RI 73-871 and RI 73-054). All benefits are subject to the definitions, limitations and exclusions set forth in the Federal Brochure.

“Humana” is the brand name for plans, products, and services provided by one or more of the subsidiaries and affiliate companies of Humana Inc. (“Humana Entities”). Plans, products, and services are solely and only provided by one or more Humana Entities specified on the plan, product, or service contract, not Humana Inc. Not all plans, products, and services are available in each state.

Humana legal entities that offer, underwrite, administer or insure insurance products and services

Group Medical

Humana group medical plans are offered by Humana Medical Plan, Inc., Humana Employers Health Plan of Georgia, Inc., Humana Health Plan, Inc., Humana Health Benefit Plan of Louisiana, Inc., Humana Health Plan of Ohio, Inc., Humana Health Plans of Puerto Rico, Inc. License # 00235-0008, Humana Wisconsin Health Organization Insurance Corporation, or Humana Health Plan of Texas, Inc. - A Health Maintenance Organization, or insured by Humana Health Insurance Company of Florida, Inc., Humana Health Plan, Inc., Humana Health Benefit Plan of Louisiana, Inc., Humana Insurance Company, Humana Insurance Company of Kentucky, Humana Insurance of Puerto Rico, Inc. License # 00187-0009, or administered by Humana Insurance Company or Humana Health Plan, Inc. For Arizona Residents, plans are offered by Humana Health Plan, Inc. or insured by Humana Insurance Company. Administered by Humana Insurance Company.

Group Dental

Humana group dental plans are offered by Humana Insurance Company, HumanaDental Insurance Company, Humana Insurance Company of New York, Humana Health Benefit Plan of Louisiana, The Dental Concern, Inc., Humana Medical Plan of Utah, CompBenefits Company, CompBenefits Insurance Company, CompBenefits Dental, Inc., CompBenefits of Georgia, Inc. or DentiCare, Inc. (DBA CompBenefits).

Group Life

Humana group life plans are offered by Humana Insurance Company, Humana Insurance Company of Kentucky, or Kanawha Insurance Company.

Long Term Disability and Short Term Disability

Humana long term disability and short term disability plans are offered by Kanawha Insurance Company or Humana Insurance Company.

Workplace Voluntary Benefits

Humana Cancer, Critical Illness, Accident, Hospital Indemnity, Life and Disability Income plans are insured by Humana Insurance Company, Kanawha Insurance Company, or Humana Insurance Company of New York.

Please click here(link opens in new window) to view a complete list of the legal entities that offer, underwrite, administer or insure insurance products and services.

For group plans, please refer to your Benefit Plan Document (Certificate of Coverage/Insurance or Summary Plan Description) for more information on the company providing your benefits.

Statements in languages other than English contained in the advertisement do not necessarily reflect the exact contents of the policy written in English, because of possible linguistic differences. In the event of a dispute, the policy as written in English is considered the controlling authority.

Limitations and exclusions

Our health benefit plans, dental plans, vision plans, life and supplemental plans, workplace voluntary benefit products, long term disability plans, and short term disability plans may have waiting periods, exclusions and limitations and terms under which the coverage may be continued in force or discontinued. For costs and complete details of coverage, call or write your Humana or your Humana insurance agent or broker.


The most common rules for determining the order of payment are the Non-Dependent / Dependent Rule, the Active/ Inactive Rule and the Birthday Rule.

  • Non-dependent / Dependent Rule: The plan that covers an individual as an enrollee or subscriber is the primary payer over a plan that covers an individual as a dependent, for example, as a spouse.
  • Active/ Inactive Rule: The plan that covers an individual as an active employee or as the dependent of an active employee is the primary payer over the plan that covers the individual as a retired or laid off employee or as the dependent of such an employee.
  • Birthday Rule: This rule determines whether a plan is primary or secondary for a dependent child who is covered by both parents’ benefit plans and those parents live together. The plan covering the parent whose birthday (month and day only) falls first in a calendar year provides primary coverage for the child. If both parents have the same birthday, then the plan that has been in effect the longest pays as primary.

A different set of rules applies to a dependent child whose parents are divorced or separated or are not living together, whether or not they have ever been married:

  1. If a court decree states that one of the parents is responsible for the child’s health care expenses / coverage (“health care coverage responsibility”) and the plan covering that parent has actual knowledge of those terms, that plan is primary. If the responsible parent has no coverage for the child’s health care expenses, but that parent’s spouse does, that parent’s spouse’s plan is the primary plan.
  2. If a court decree states that both parents are responsible for the child’s health care expenses /coverage, the Birthday Rule determines the order of benefits;
  3. If a court decree states that the parents have joint custody without specifying that one parent has health care coverage responsibility, the Birthday Rule determines the order of benefits; or
  4. If there is no court decree allocating health care coverage responsibility for the child, the order of benefits for the child is as follows:

    1. The plan covering the custodial parent;
    2. The plan covering the custodial parent’s spouse;
    3. The plan covering the non-custodial parent; and then
    4. The plan covering the non-custodial parent’s spouse.

For additional information on NAIC rules regarding the coordinating of benefits, visit the NAIC website at www.NAIC.org


Humana complies with all applicable federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex. We also provide free language interpreter services. See our full accessibility rights information and language options



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