Classic : The Classic Plan

1559 Words Sep 22nd, 2015 7 Pages
Humana Classic: The Classic plan, which is also known as a "traditional indemnity plan" or a "fee-for-service plan", has no provider network. Members can choose any doctor or other healthcare provider, and you don 't need a referral to see a specialist.
Humana Simplicity: When members use in-network healthcare services, they’ll pay no deductible, just a copayment.
PCA Plan: PCA plan combines a medical plan with a spending account funded by member’s employer. It can be a low-premium, high-deductible Preferred Provider Organization (PPO) plan, Health Maintenance Organization (HMO) plan, or Point of Service (POS) plan. The spending account is a Personal Care Account (PCA). The PCA is based on the IRS 's approved Health Reimbursement Arrangement (HRA) guidelines.
Point of Service: With Humana 's Point of Service (POS) plans, members can reduce their out-of-pocket costs by choosing providers in the network — or they can seek services outside the network and pay more. It 's their choice. POS plans can be "traditional" or "consumer-driven".
Preferred Provider Organization: With a Preferred Provider Organization (PPO), members pay less for care when they use in-network providers — doctors, hospitals, and pharmacies that are part of the PPO network. The plan also provides coverage when members go to out-of-network providers, but they will pay more. This plan doesn 't require referrals.
c. What are the member/patient incentives?
Humana created an incentive program to…

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