Humana Health Insurance Application Tips

Humana offers health insurance plans for individuals as well as businesses that want to provide coverage for their employees. You can get a free quote from their website and you can also complete a health insurance application online. By following a few application tips, you can simplify the process and get coverage 30 to 45 days after applying, or sooner, if your application is accepted by Humana.

Required Application Information Tips

• When you apply for Humana health insurance, you should have all of the required information for each person seeking coverage available to complete the insurance application. You will need to provide your date of birth, social security number and your height and weight. If you are currently covered by another carrier, you will need to provide the policy information on the Humana application as well as the names of your current physicians or any treatment centers where you receive health services. They also need a list of your prescriptions and the dates they were prescribed and the dosage amounts. By providing all of the requested information, you may avoid delays in processing your health insurance application.

Medical History Information Tips

• Humana also requires that you provide your medical history on your application so the company can determine whether you qualify for individual health coverage. You should have this information readily available as well to make it easier to complete the application and to provide accurate details. You will need to give diagnosis dates, treatments and the dates of service, and your current health status. Based on your insurance application, you may be extended health coverage with exclusions on certain medical conditions or may have to pay an additional premium.

  Health coverage may be denied if the applicant is severely underweight or obese, is undergoing treatments or awaiting for results from lab work or surgery. If you or your partner is pregnant, you should not apply for coverage as Humana does not provide coverage for parents that are expecting nor do they provide coverage for children under two years old.

Medicare Application Tips

• If you are 65 years old or older, you can enroll in a Humana Medicare insurance plan if you are eligible based on your age or if you have a disability. Medicare coverage cannot begin until after your Medicare Part A or B starts and you typically have seven months to apply for Medicare Advantage or a plan for prescription drug coverage. Before enrolling, you should review all of the plans available to understand which plan is best for you. Depending on your needs, you can select a stand-alone plan that only covers prescriptions or you can select a plan that offers both medical and prescription coverage. You should also note that Medicare supplement plans do not provide prescription coverage.