Inkcazo yeNkampani
Unokuthenga umgaqo-nkqubo we-inshurensi ye-Humana kuwo onke ama-50 kunye neSithili sase-Columbia kunye nePuerto Rico. Inkampani iyathengisa inshuwalense yabanye, izicwangciso zeMedare kunye nesicwangciso se-inshurensi yezempilo kwinqanaba. Ukunakekelwa kwezempilo kweManyeneyo kwazama ukungaphumeleli ukufumana u-Humana ngo-1998, kodwa ukuhlanganiswa kwehlulekile.
Ekuqaleni, u-Humana wayengenayo inkampani yomshuwalense, kodwa inkampani yokuhlala kwikhaya. Yaqala ngo-1961 no-1974, yaziwa ngokuba yi "Humana." U-Humana wayesebenzayo kwiphando lophando lwezempilo kwaye waba negalelo kwi-Jarvick noDeVries 'yophando lwenhliziyo. UHuman ugcina umdla walo kwizibhedlele kunye nophando lwezempilo. Inkampani ilawula inkqubo ye-inshurensi yezempilo ye-TRICARE yezempi yase-United States kwaye iphinde ibe ngumboneleli kwii-PGA ne-Champions Champions tours. U-Humana uye waba yinkokeli kwi-inshorensi yoshishino lwezobugcisa kunye nokufumana i-"Stevie Awards" yesicelo sayo seselula, i-MyHumana Mobile.
Kwakuyi-Winner's Choice Winner kwiqela "lomkhiqizo omtsha okanye inkonzo yonyaka."
Amandla Amali kunye noKwaneliseka kwabathengi
U-Humana unesi- "A-" Isilinganiselo esihle kakhulu nge- AM Inkonzo ephezulu ye- inshorensi . I-rating ye-Moody ye-Human is "Baa3" ngelixa i- Fitch rating "BBB-." U-Humana uye waqaphela kwaye wafumana amanani amanqaku ahlukeneyo kunye namabhaso kuquka ne-Dorland Health Award ngenkonzo ekhethekileyo kwi-Medicare Benevantage kwintengiso yabathengi abangaphezu kwama-55.
Inkampani ithole i- JD Power kunye ne-Associates Award "kwiLungu eliPhezulu kakhulu Ukwaneliseka kwiziCwangciso zezeMpilo zoTyhuse eTexas." UHuman wathola eli bhaso elifanayo kwiindawo zaseNyakatho Carolina, eSouth Carolina naseGeorgia.
I-Business Business Bureau
I-Humana, Inc. inomlinganiselo "we-A +" kwi-Business Business Bureau. Kuye ibhizinisi eligunyazisiweyo ukususela ngo-1998. Ifayile yeBBB yeHumana yavulwa ngo-1979. U-Humana ufumene amanqaku angama-3.71 kwiinkwenkwezi ezi-5 ezisekelwe kumanqaku angama-45 abahlalutyi. Ku-45 ukuhlaziywa kwabaxumi, 44 akunakucala kwaye kukho ukuhlaziywa okulungileyo oku-1. Kukho izikhalazo zabathengi ezingama-385 ezidweliswe. Kwizikhalazo zabathengi abangama-385 ezidweliswe kwiminyaka emi-3 edlulileyo, i-85 yezi zikhalazo zivaliwe kwiinyanga ezili-12 zokugqibela. Ukuchithwa kwezikhalazo kulandelayo: 385 izikhalazo ezipheleleyo; Izikhalazo zeemveliso okanye iinkonzo; Isikhalazo se-1 nesiqinisekiso / imiba yewaranti; Izikhalazo ezi-13 kunye nemiba yokuhambisa, izikhalazo eziyi-125 ngeengxelo zokubambisa / zokuqokelela kunye nezikhalazo ezingama-20 kunye nemicimbi yokuthengisa / yokuthengisa.
Kwinqanaba lenkonzo yabathengi, uHumanana unesabelo saso sezikhalazo, njengokuba zininzi iinkampani zomshuwalense zempilo. Kodwa ke, ugcine ukuqinisekiswa kweBusiness Business Bureau.
Uninzi lwezikhalazo ezidweliswe ziquka iinkqubo kunye nemveliso okanye imiba yenkonzo.
Izinketho zeIntshumo yezempilo
Ukuthenga umgaqo-nkqubo we-inshurensi yempilo ngo-Humana, unokuthenga umgaqo-nkqubo ngokusebenzisa ama-agent asekuhlaleni abamele u-Humana. Ngomshuwalense wezempilo we-Humana, unokhetho lokunikela kwi-HSA okanye kwi-akhawunti yokugcina imali. Ngeli khawunti, unako ukugcina imali ukuze ufake isicelo sakho kwi-medical deductible. Oku kubalulekile ukuba uvakalelwa ukuba unenkathazo ezayo kunye nemali ukuhlawula imali enkulu. Kukho iinkqubo zokuhlawula ngokubambisana kunye ne-PPO (intlangano yomnikeli okhethiweyo) kunye nesicwangciso esihlawula i-100% emva kokuba udibene ne-deductible yakho yonyaka. Unako ukongeza izongezo kwisicwangciso sakho se-inshurensi yezempilo ezifana nekhemistiki, amazinyo okanye umboniso oceba ukufaka inkxaso yakho.
Hlola iwebhusayithi yeHumanana ukuze ufumane ulwazi olungaphezulu malunga nezicwangciso zenkxaso yesibonelelo kunye nezithintelo kwizicwangciso ezithile kumazwe athile.
Ngokuqinisekileyo unamathuba amathathu okhetho lokubonelela ngeenkonzo zezempilo ngokusebenzisa izicwangciso ze-inshurensi yezempilo:
- Ii-HMOs : Ukuba usebenzisa i-HMO, uya kugqithiselwa kuphela ekusebenziseni abasebenzi bezempilo kunye nezibonelelo ngaphakathi kwenethiwekhi yomnikezeli wenkampani. Kukho inani elikhulu lokhetho olukhoyo, kodwa kwakhona, kufuneka uhlale kwinethiwekhi yomboneleli. Oku kuyona ndlela encinci yokwenza umsebenzi wokunakekelwa kwezempilo ngoBuntu.
- I-PPOs : Ngenketho yoMboneleli okhethiweyo, unesimo esincinci. Unenketho yokusebenzisa umnikezeli-ngaphandle wenethiwekhi; Nangona kunjalo, ukuba uyayenza, inkampani yomshuwalense iya kugubungela ngaphantsi kwexabiso. Ugcina imali xa usebenzisa izibhedlele, iikliniki, kunye noogqirha abakwi-networking yomncedisi.
- Izicwangciso zeMveli yokuHlala : Ngokuthenga isicwangciso sokunakekelwa kwempilo yemveli, unenkululeko yokukhetha isibonelelo sezempilo okanye ugqirha owukhethayo. Nangona kunjalo, esi sicwangciso sinokubiza ngakumbi kunokuthenga i-HMO okanye iPPO plan.
IziCwangciso zeNtsholongwane yezeMpilo
Kubaqeshi, uHanana unikeza icebo eliphezulu elichithwayo elinceda iinkampani zigcine izindleko ze-inshorensi yezempilo eziphantsi kwabasebenzi. Abasebenzi abaninzi banenzuzo ngokusebenzisa i-HSA (i-Akhawunti ye-Savings Account) ukugcina imali kwiimfuneko ze-deductible ngelixa bekunandipha ii-premium zonyango zonyango. Inketho ye-inshurensi yokunakekelwa kwezempilo yonyango ejongene neendleko zokulaliswa kwezibhedlele kunye neendleko ezinxulumene nophuhliso lwezempilo ezibizwa ngokuba ngu-"Umgangatho Wokuqala." Leyo yinkcitho ye-inshorensi yempilo ephantsi efuna ukuhlala kwisabelo-mali. Isicwangciso se "Point-of-Service" sinikeza ukhetho lokusebenzisa nokuba ngaba-inethiwekhi okanye abaphuma ngaphandle kwenethiwekhi.
Umgangatho weMida
Kwababamkeli beMedaretha, iHuman inezinyathelo ezininzi zokuncedisa eziquka iziyobisi zonyango kunye nezicwangciso ze-Medicare Benevantage. U-Humana uye wadibana nama-pharmacy e-Wal-mart ukuba anike i-PDP okanye isicwangciso seziyobisi ezikhethiweyo. Unokuthenga izilungiso ngecebo le-15 kuphela ngenyanga. Oku kubaluleke kakhulu kwiigulane ezininzi ezigugile kufuneka zithathe imithi yonyango rhoqo.
Iinkonzo
- Uzinzo lwezeMali
- Iinkalo ezahlukeneyo ze-inshorensi yezempilo ezikhoyo
- Izinketho ze-inshorensi yezempilo ezincinci
Umxhasi
- Ukufumana intlawulo efanelekileyo, kufuneka usebenzise i- HMO okanye iPPO Plan .
- Izikhalazo zenkonzo yomthengi kwiindawo zemveliso kunye neenkonzo
Iinkcukacha zoqhagamshelwano nenkampani
Ukuze ufumane okungakumbi malunga neMveliso ye-inshurensi yempilo okanye ukufumana i-arhente yendawo, ungayivakashela iwebhusayithi yeHumanana. Kukho amaninzi amanqaku oqhagamshelwano no-Humana kuye kuxhomekeka ukuba ngaba ungumthengi wangoku okanye ufuna ukuthenga umgaqo-nkqubo we-inshorensi yempilo. Unokufumana aba oqhagamshelwano kwi-Humana qha ga mshelana nathi.