Humana

We rank Humana in 3rd place. Read to see why.

Price dictates a lot of our ranking system. Humana's rates are typically higher than Unicare and Aetna, and not much difference in the benefits.

You can apply with Humana through us via their faxable application. Generally speaking, we have an answer of approval or decline within 72 hours provided they do not request medical records.

Here is some detailed information about Humana.

Humana Inc., headquartered in Louisville, Kentucky, is one of the nation's largest publicly traded health benefits companies, with approximately 7 million medical members located primarily in 15 states and Puerto Rico. Humana offers health insurance coverage through traditional and Internet-based plans — to large and small employer groups, government-sponsored plans and individuals and families.

Humana offers a wide range of products and services designed specifically to meet the needs of small businesses, too. Small employers can choose from a broad spectrum of cost-effective health plans. With Humana, small businesses enjoy the convenience of having a single source of employee benefits, along with expert advice to get the most from their benefit dollar.

Many individuals also rely on Humana for insurance coverage. HumanaOne, Humana's individual insurance plans, offers consumers lasting value thanks to Humana's experience, nationwide presence and ability to secure cost-saving discounts. HumanaOne insurance plans are designed to provide the kind of flexible, reliable coverage that consumers are seeking, plus many of the features usually found only in group plans.

Humana's ChoiceCare Network includes more than 320,000 physicians and ancillary care providers in 50 states and the District of Columbia, serving 1.3 million PPO members.

E-business is transforming Humana's business model
Humana continues to receive accolades for its online, self-service capabilities it provides to its customers. Humana has been recognized for its leadership in and commitment to e-business solutions through technological, procedural and organizational innovation. Humana's e-business approach focuses on meeting the changing information needs for all its stakeholder groups with an emphasis on creating informed health care consumers

Humana is the first health benefits company to achieve registration of its Personal Nurse and Transplant Management services under ISO 9001: 2000, an international quality management standard that measures how an organization meets its customers needs. It also provides a structured approach to constantly improving business practices and customer satisfaction.

Humana's financial strength (As of 11/01/04)
Fortune 200 company with annual revenues of approximately $13 billion
Total assets of approximately $5.4 billion as of Sept. 30, 2004
Net income for 2003 of $229 million rose 60 percent over net income for 2002 .
Net income for the first nine months of 2004 was up 43 percent compared to the same period in 2003.
Investment-grade credit ratings by Moody's, Standard & Poor's and Fitch

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