Humana Classic Humana's Classic or “traditional indemnity plan” gives you ways to save money on healthcare, along with freedom of choice. The plan pays a higher level of benefits for services obtained from in-network providers but gives you the flexibility to choose any provider.

How a Classic Plan Works

The Classic plan – also known as a "traditional indemnity plan" or a "fee-for-service plan" – has no provider network. You can choose any doctor or other healthcare provider, and you don't need a referral to see a specialist.

A Classic plan is a good choice if you are willing to pay more for coverage to have the same level of benefits with any provider.

• Your costs are the same for any provider. You don't have to worry about paying more for certain doctors and hospitals.
  
  
• You can keep the same doctor. This plan doesn't require you to see in-network doctors.
  
  
• You're covered wherever you go. This plan offers flexibility for people who travel or live in an area with few in-network providers.
  
  
• Your out-of-pocket costs may include copayment, deductible, or coinsurance.
  
  
• If you reach the out-of-pocket maximum, the plan pays 100 percent of additional covered expenses during the plan year. You continue to pay copayments.
  
  
• With a Classic plan, you may have to pay for medical services up front and then submit a claim to Humana for reimbursement.