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Humana 2021 Bundling Bonus Extended

Jul 12, 2021, 2 Minute Read

Sell a Bundle, Earn a Bundle!

To earn a bonus, sell new specialty lines of coverage with the same employer group and initial effective dates of coverage between August 1 and December 31, 2021. Sell stand-alone specialty lines of coverage, or add specialty lines of coverage to a new or existing Humana group medical customer.

Small Group – 5-99 Eligible Enrolled Employees

• $500 bonus when you sell dental (5 enrolled) + vision (2 enrolled) coverage.
• $1,000 bonus when you sell dental (5 enrolled) + vision (2 enrolled) + life coverage.

Large Group – 100+ Eligible Enrolled Employees

• $1,000 bonus when you sell dental + vision coverage.

Specialty lines of coverage include group dental (including voluntary dental), group vision (including voluntary vision), group term life, and accidental death & dismemberment (AD&D). To learn more, download the Bundling Bonus flyer.

Coverage Features

Dental

• Unlimited Annual Maximum plan available for all types of services, including Implants.
• Extended Annual Maximum included on $1000, $1500, and $2000 maximums – 30% coinsurance coverage after network discount and maximum benefit is reached. Does not apply to implants or ortho services.
• Waive preventive services rider on Annual Maximum (same as DPM on Delta).
• No waiting period for 10+ enrolled.
• Ortho available for child only and/or adult and child on 2+. Invisalign is covered as an alternative treatment for ortho, subject to policy provisions.
• 12-month rate lock.

Starting with new business effective January 1, 2020, all PPO, Preventive Plus, and traditional Preferred plans will include these new features in preventative services:

• Additional routine cleaning and exam now includes three routine cleanings and exams per calendar year (two previously allowed).
• Periodontal cleanings are now covered as a preventive service (100%). Four periodontal cleanings per calendar year now covered under preventive services (previously these cleanings were covered as a basic service, subject to deductible and coinsurance)
• Increased age limits on select services. Sealants and topical fluoride treatment are now covered through age 16.
• Out-of-network (OON) preventive services are now being reimbursed at the 95th percentile and will result in 93% of OON claims being covered in full. OON urgent care for basic and major services is reimbursed at the 90th percentile.

Vision

• $100, $130, $150, $160, and $200 frame allowance options.
• No employer contribution required.
• Three plan platforms (Exam Plus, Full Coverage, Materials Only).
• EyeMed Insight nationwide network includes both retail providers and private practice doctors.
  – 75,000+ participating providers (52,000 independent/22,000 retail).
• 2-year rate lock.

Basic Life/AD&D

• Conversion/waiver of premium.
• Accelerated death benefit.
• AD&D riders included: seat belt/airbag/helmet, paralysis, repatriation, common carrier, education benefit, child care benefit, and coma.
• Optional dependent coverage.
• Three age reduction schedules available (#3 offers the best).
• 2-year rate lock.

Voluntary Life (Participation – Five Lives Enrolled)

• Increments or percentage of salary up to $500,000.
• Flat benefits for spouses and children up to age 26.
• Portability included.
• 2-year rate lock.

Contact us today for a Humana quote.

Questions?
Contact your Claremont team at 800.696.4543 or info@claremontcompanies.com.