by Russell Noga | Updated October 6th, 2026
Are you considering a Humana Medicare Supplement plan for 2027? This guide covers what Humana’s Medigap plans cover, what they cost, how Humana compares with other companies, and how to enroll. Humana Medicare Supplement plans fill the gaps left by Original Medicare, with options that include the popular Plan G and Plan N.
Key Takeaways
- Humana Medicare Supplement plans cover costs Original Medicare does not, such as coinsurance and, depending on the plan, deductibles. Plans may include Plan A, Plan F (if eligible before 2020), Plan G and Plan N, but availability varies by state.
- Plan G covers everything except the Part B deductible ($283 in 2026). Plan N costs less in exchange for small office and ER copays.
- Humana is discontinuing Medicare Advantage plans covering roughly 600,000 members for 2027. If you are one of them, you may be able to buy a Medigap plan with no health questions.
Compare 2027 Plans & Rates
Enter Zip Code
Understanding Humana Medicare Supplement Plans
Humana Medicare Supplement plans help pay the healthcare costs Original Medicare does not cover. Depending on your state, Humana’s Medigap lineup may include:
- Plan A
- Plan F (only if you were eligible for Medicare before 2020)
- Plan G
- Plan N
- High-deductible options in some states
These plans act as a safety net for unexpected healthcare costs.
Because Medigap plans are standardized by federal law, Humana’s Plan G covers exactly the same benefits as any other company’s Plan G. What differs is the premium, rate increase history, discounts and service. Humana Medicare Supplement plans are not sold in every state, so always check what is available at your ZIP code.
Medicare Plan G
Humana’s Medicare Plan G offers:
- The most complete coverage available to people new to Medicare
- Coverage of the Part A deductible, hospital and skilled nursing coinsurance, and Part B coinsurance
- Coverage of Part B excess charges
- 80% of foreign travel emergency care, up to plan limits
The only gap is the Part B deductible. After you pay it, Plan G covers your share of Medicare-approved costs for the rest of the year.
Your premium depends on your ZIP code, age, gender and tobacco use. Enter your ZIP code above for current Humana Plan G rates side by side with other companies.
Medicare Plan N
Humana’s Medicare Plan N strikes a balance between coverage and cost. It covers Medicare Part B coinsurance, except copays of up to $20 for some office visits and up to $50 for ER visits that do not end in admission. It also covers hospital costs, the Part A deductible and skilled nursing coinsurance.
Plan N usually has a lower premium than Plan G, so it can be a cost-effective choice for people who do not see the doctor often.
Plan N does not cover the Part B deductible or Part B excess charges, and like all Medigap plans it does not cover long-term care, routine vision or dental care, hearing aids, or private-duty nursing.
Medicare Plan F
Humana’s Medicare Plan F is the most comprehensive Medigap plan, but under federal law it is only available to people who were eligible for Medicare before January 1, 2020.
Plan F covers everything Plan G does plus the Part B deductible, including the Part A deductible, skilled nursing coinsurance, Part B excess charges and foreign travel emergency care. If you already have Plan F, compare it with Plan G, which often costs less for nearly the same coverage.
Coverage and Costs: What to Expect
Humana’s Medigap plans cover costs Original Medicare does not, such as deductibles and coinsurance, depending on the plan. They do not cover routine foot care, cosmetic surgery, long-term custodial care, routine vision or dental care, hearing aids, eyeglasses, private-duty nursing or prescription drugs.
Humana Plan G covers all the benefits of Plan F except the Medicare Part B deductible.
Plan N covers Part B coinsurance except copays of up to $20 for some office visits and up to $50 for ER visits that do not end in admission.
Premiums vary widely by state, age and plan. Many companies, including Humana in many states, offer a household discount when two adults live together. We will show you current Humana rates next to other top companies so you can see the real difference.
Compare Medicare Plans & Rates in Your Area
Losing Your Humana Medicare Advantage Plan in 2027?
Humana is discontinuing Medicare Advantage plans covering roughly 600,000 members for 2027. If you received a non-renewal letter, your coverage ends December 31, 2026, and you have options.
When a Medicare Advantage plan leaves your area or stops offering coverage, federal law generally gives you a guaranteed issue right to buy certain Medigap plans, which for most people include Plan G, without medical underwriting. The insurance company cannot turn you down or charge more because of your health.
This right is time-limited and generally ends 63 days after your Medicare Advantage coverage ends. Call 1-888-891-0229 and a licensed agent will check which Medigap plans you can get without health questions, from Humana or any other company.
How to Enroll in a Humana Medicare Supplement Plan
To buy a Humana Medicare Supplement plan, you must be enrolled in Medicare Part A and Part B and live where Humana sells Medigap. Most buyers are 65 or older. People under 65 on Medicare due to disability or end-stage renal disease can buy Medigap in some states, depending on state rules.
The best time to enroll is your Medigap Open Enrollment Period, the six months starting the first day of the month you are both 65 or older and enrolled in Part B, or when you have a guaranteed issue right. During those windows you cannot be turned down because of your health.
The easiest way to enroll is to call us at 1-888-891-0229. We will compare Humana with the other top companies in your ZIP code, help you choose, and handle the application with you at no cost.
Comparing Humana to Other Providers
Several other well-known companies sell Medicare Supplement plans, including:
- UnitedHealthcare
- Blue Cross Blue Shield
- Cigna
- Mutual of Omaha
- Aetna
Because Medigap plans are standardized, Humana’s Plan G covers exactly the same benefits as Plan G from any of these companies. The differences that matter are:
- The monthly premium in your ZIP code
- The company’s rate increase history
- Household and other discounts
- Customer service and claims handling
Some companies also sell Medicare SELECT versions of their plans, which cost less but require network hospitals for non-emergency care. Comparing several companies for the same plan letter is the fastest way to lower your premium.
Tips for Choosing the Right Plan
Choosing the best Medicare Supplement plan starts with your healthcare needs. Each plan covers a different share of costs, so match the plan to how often you use care.
When choosing a Medicare Supplement plan, consider:
- How much coverage you want
- The monthly premium and any copays or deductibles
- The company’s rate increase history
- A separate Part D plan for prescription drugs, since Medigap does not cover them
Your budget matters too. Compare premiums, deductibles and copays across plans and companies, and pick the coverage you can comfortably keep paying for years.
Summary
Humana offers Medicare Supplement plans to fit different needs and budgets, from the comprehensive coverage of Plan G to the lower premium of Plan N, plus Plan F for people eligible before 2020.
The best plan fits your health needs, your budget and your lifestyle. And because every company’s Plan G is identical, comparing Humana’s rate against other top companies is the smartest step before you enroll for 2027.
Compare 2027 Plans & Rates
Enter Zip Code
Frequently Asked Questions
What is the most popular Medicare Supplement plan?
Plan G is the most popular Medicare Supplement plan for people new to Medicare. Plan F was long the most popular, but it is closed to anyone who became eligible for Medicare on or after January 1, 2020.
Is Humana a good Medicare Supplement company?
Humana is a large, well-known insurer and a solid Medigap option in many states. Because Medigap plans are standardized, the best company for you usually comes down to price, rate increase history and service in your area, so compare Humana with other companies before you buy.
Is Humana a supplement or replacement for Medicare?
Humana sells both. Its Medicare Supplement (Medigap) plans work alongside Original Medicare to cover costs Medicare does not pay. Its Medicare Advantage plans are a different product that replaces how you get your Medicare benefits.
What does a Medicare Supplement plan cost?
It depends on the plan, the company, your ZIP code, age, gender and tobacco use. Premiums for the same plan can differ by a lot between companies, so compare quotes before you enroll.
What does Humana’s Medicare Plan G cover?
Humana Plan G covers the Part A deductible, hospital and skilled nursing coinsurance, Part B coinsurance, Part B excess charges, the first three pints of blood, hospice coinsurance and 80% of foreign travel emergency care. It does not cover the Part B deductible or prescription drugs.
Can I switch to a Medigap plan if my Humana Medicare Advantage plan is ending?
Usually, yes. If your Humana Medicare Advantage plan is being discontinued, you generally have a guaranteed issue right to buy certain Medigap plans, which for most people include Plan G, without medical underwriting. The right generally ends 63 days after your Medicare Advantage coverage ends.
Speak to the Professionals about Medigap Plans and Original Medicare
If understanding Original Medicare and Medigap plans feels challenging, you are not alone. Whether you are comparing Medigap plans or want to know more about Humana Medicare Supplement plans for 2027, we can help. Call our team at 1-888-891-0229 for a free consultation, or complete the contact form on this site and an expert will call you back at a convenient time.
We have decades of experience helping clients with Medicare and Medigap plans, their benefits, costs and deductibles. We will help you find the best rate in your state and give you advice you can trust.
Russell Noga is the CEO and Medicare editor of Medisupps.com. His 15 years of experience in the Medicare insurance market includes being a licensed Medicare insurance broker in all 50 states. He is frequently featured as a featured as a keynote Medicare event speaker, has authored hundreds of Medicare content pages, and hosts the very popular Medisupps.com Medicare Youtube channel. His expertise includes Medicare, Medigap insurance, Medicare Advantage plans, and Medicare Part D.