Last $132.37 USD
Change Today +4.71 / 3.69%
Volume 1.5M
As of 8:04 PM 09/16/14 All times are local (Market data is delayed by at least 15 minutes).
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Company Description

Contact Info

500 West Main Street

Louisville, KY 40202

United States

Phone: 502-580-1000

Fax:

ll. Policies issued prior to the enactment of the Health Care Reform Law on March 23, 2010 are grandfathered policies. Grandfathered policies are exempt from the requirements of the Health Care Reform Law, including mandated benefits. Policies issued between March 23, 2010 and December 31, 2013 are required to conform to the Health Care Reform Law, including mandated benefits, upon renewal in 2014 or 2015, depending on the state. The initial open enrollment period began for plans effective January 1, 2014 offered through federally facilitated, federal-state partnerships or state-based exchanges for individuals on October 1, 2013. Federal and state regulatory changes in December 2013 extended the enrollment deadline for January 1, 2014 insurance coverage from December 15, 2013 to December 24, 2013, required plans to accept payment for policies with a start date of January 1, 2014 as late as December 31, 2013 (the company voluntarily extended its deadline for payment to January 31, 2014 and voluntarily extended its deadline for payment to February 28, 2014 for policies with a start date of February 1), and allowed certain individuals to remain in their existing underwritten off-exchange health plans that are not compliant with the Health Care Reform Law. Individuals have until March 31, 2014 to enroll for insurance without paying the penalty imposed by the Health Care Reform Law. Rewards-based wellness programs are included with many individual products. The company also offers optional benefits, such as dental, vision, life, and a portfolio of financial protection products. Informatics The company focuses on proactive clinical outreach and member engagement. Accordingly, its Retail Segment uses the informatics and predictive modeling capabilities of its Healthcare Services segment to identify members in need of clinical intervention. Employer Group Segment Products This segment consists of products sold to employer groups, including medical and supplemental benefit plans, as well as health and wellness products. Employer Group Commercial Coverage The company’s commercial products sold to employer groups include a spectrum of major medical benefits with multiple in-network coinsurance levels and annual deductible choices that employers of all sizes can offer to their employees on either a fully-insured, through HMO, PPO, or POS plans, or self-funded basis. The company’s plans integrate clinical programs, plan designs, communication tools, and spending accounts. The company participates in the Federal Employee Health Benefits Program, or FEHBP, primarily with its HMO offering in certain markets. FEHBP is the government’s health insurance program for Federal employees, retirees, former employees, family members, and spouses. As with its individual commercial products, the employer group offerings include HumanaVitality, its wellness and loyalty reward program. The company’s administrative services only, products are offered to employers who self-insure their employee health plans. The company receives fees to provide administrative services which generally include the processing of claims, offering access to its provider networks and clinical programs, and responding to customer service inquiries from members of self-funded employers. These products may include all of the same benefit and product design characteristics of its fully-insured HMO, PPO, or POS products described previously. As with individual commercial policies, employers can customize their offerings with optional benefits, such as dental, vision, life, and a portfolio of voluntary benefit products. Group Medicare Advantage and Medicare stand-alone PDP The company offers products that enable employers that provide post-retirement health care benefits to replace Medicare wrap or Medicare supplement products with Medicare Advantage or stand-alone PDPs from Humana. These products offer the same types of benefits and services available to members in its individual Medicare plans. Wellness The company offers wellness solutions, including its Humana Vitality wellness and loyalty rewards program, health coaching, and fitness p

 

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Industry Analysis

HUM

Industry Average

Valuation HUM Industry Range
Price/Earnings 19.2x
Price/Sales 0.4x
Price/Book 2.0x
Price/Cash Flow 14.2x
TEV/Sales 0.2x
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