...what is covered? My mother was told by Humana that she had to basically pay for this insurance (through her employer). Her employer also "locks" employees in for a year, meaning she can't get rid of the insurance until a year is up or she leaves. They do offer 3 different plans, but the only way to find out what each plan covers is to sign the dotted line. I'm sure I don't know something but this just doesn't seem right to me. I appreciate your response!