by Russell Noga | Updated August 10th, 2023
Humana Medicare Supplement Plans
Medicare Supplement Insurance is separate insurance that is designed to cover the out-of-pocket expenses that are left behind by Original Medicare – Part A and Part B.
This supplementary insurance can help to make your healthcare more affordable and easier to predict. Policies are sold by private insurance companies, including Humana.
If you’re planning on purchasing Medicare Supplement Insurance and you’re thinking about choosing Humana as your provider, it’s important to collect as much information as possible before you make your final decision.
Humana Supplement to Medicare - How it Works
Medicare is a government-sponsored health insurance program. It’s comprised of several different parts, and each part covers different aspects of healthcare.
Medicare Part A and Part B combined are known as Original Medicare. Part A covers the cost of care and services you’ll receive in inpatient settings, such as hospitals or skilled nursing facilities, and Part B covers the cost of care and services that you’ll receive in outpatient settings, such as doctor visits, preventative services, and durable medical equipment.
While Original Medicare does cover a lot, it doesn’t cover everything, and you’re responsible for paying the costs that it leaves behind. That’s where Medicare Supplement Insurance comes in. Also known as Medigap, this supplementary insurance is designed to fill in the “gaps” in coverage for Medicare Part A and Part B. It covers the cost of things like copays, coinsurance, and deductibles.
There are 10 plans available, and each plan covers different expenses. Medigap policies are named for letters and each lettered policy has to provide the same benefits. The plans are sold by private health insurance companies, like Humana.
About Humana
Founded in 1961, Humana started out in the hospital and nursing home industry before moving over to the health insurance industry in 1984.
It has become one of the largest health insurance companies in the United States, serving more than 10 million Americans, and an estimated 3.1 percent of those individuals are enrolled in one of the company’s Medicare Supplement Insurance policies.
Humana provides Medigap insurance in all states, the only exception being Virginia.
Its Medigap policies are also available in Washington, DC, and Puerto Rico. The company offers several different Medigap plans and offers members additional perks.
While there are definite upsides associated with Humana Medicare Supplement Insurance, there are some downsides, too; for example, their policies tend to be high and the customer complaint rate is higher than the market average.
Humana Medicare Supplement Insurance: Advantages and Disadvantages
There are both pros and cons associated with Humana Medigap insurance, and it’s important to be aware of both to determine if it’s the right insurer for you.
Pros
- Humana offers several Medigap insurance plans; in fact, it offers more than most providers.
- Humana is also highly regarded for offering several additional benefits to policyholders, including some that many companies don’t offer; meal delivery and enrollment in the Silver Sneakers fitness discount program, for example.
- Humana’s Medicare Supplement rates are very competitive in certain areas of the country
Cons
- Humana’s premiums for Medicare Supplement Insurance tend to be higher than the market average.
Compare Medicare Plans & Rates in Your Area
What Type of Medicare Supplement Insurance Plans Does Humana Offer?
Humana is highly regarded for offering several Medigap policies, and unlike many other insurers, the restrictions on the policies the company offers are limited. The following Medicare Supplement Insurance policies can be purchased by any Medicare beneficiary in any location where Humana is available:
- Plan A. This Medigap plan is the most basic, as it only includes the benefits that Medicare Supplement plans are required to provide; no extras.
- Plan B. This Medigap plan includes the basic benefits, as well as coverage for the Part A deductible.
- Plan G. For individuals who became eligible for Medicare after January 1, 2020, this Medigap plan offers the most comprehensive coverage, as it covers the most out-of-pocket expenses that are associated with Medicare Part A and Part B.
- Plan K. This Medigap plan has the lowest premiums and provides 50 percent coverage for most of the benefits it includes.
- Plan L. This Medigap plan is also low-cost, but it provides more coverage than Plan K; 75 percent for most of the benefits it offers.
- Plan N. This plan has lower monthly premiums, but in exchange, you’ll have to cover the cost of the Part B copays, which can cost up to $20 per doctor visit and $50 per emergency room visit (ER copay is waived if you’re admitted).
In addition to these Medicare Supplement policies, Humana also offers Plan C and Plan F. It’s important to note, however, that only individuals who became eligible for Medicare before January 1, 2020, can purchase these plans.
Humana also offers plans in Massachusetts, Minnesota, and Wisconsin that meet each state’s specific standards for Medicare Supplement Insurance (these states do not follow the standardization system that all other states follow).
The Most Popular Humana Medigap Plans
When it comes to Medicare Supplement Insurance, three plans stand out for their popularity and extensive coverage: Plan F, Plan G, and Medicare Plan N. These plans are designed to fill the gaps in Original Medicare coverage, offering beneficiaries peace of mind and financial protection.
Plan F is often referred to as the most comprehensive Medigap plan available. It covers all the gaps in Original Medicare, including Part A and Part B deductibles, coinsurance, and copayments. Plan F also takes care of Part B excess charges and has a foreign travel emergency benefit. However, it’s worth noting that as of 2020, Plan F is no longer available to new Medicare enrollees. If you were eligible for Medicare before January 1, 2020, you may still be able to enroll in or switch to Plan F.
Next, we have Plan G, which offers nearly identical coverage to Plan F, with one exception – it doesn’t cover the Medicare Part B deductible. However, the lower premiums of Plan G especially in 2024 often offset this cost. It’s an excellent choice for those seeking comprehensive coverage without the higher price tag of Plan F. Given its benefits, Plan G is becoming the go-to choice for many new Medicare enrollees.
Lastly, Plan N is gaining popularity due to its lower premiums and comprehensive coverage. While it requires small copayments for some office visits and emergency room trips, it covers the Part A deductible and coinsurance, Part B coinsurance, and also provides foreign travel emergency benefits. However, like Plan G, it does not cover the Part B deductible or excess charges.
In choosing between these plans, it’s essential to consider your healthcare needs, budget, and future health expectations. We can help you find the right plan to fit your needs, whether it’s from Humana, Mutual of Omaha, Allstate, or any of the other top Medicare Supplement insurance companies.
Humana Medicare Supplement Plan G - A Top Choice
Among the various plans available, Humana’s Medicare Supplement Plan G has emerged as a popular choice due to its comprehensive coverage.
What is Medicare Plan G?
Medicare Supplement Plan G is a type of Medigap policy offered by private insurance companies, such as Humana. It’s designed to fill in the “gaps” left by Original Medicare (Part A and Part B), which includes expenses like deductibles, copayments, and coinsurance.
Plan G is often considered one of the most comprehensive Medigap policies available for new beneficiaries, second only to Plan F. However, with Plan F no longer being available to those newly eligible for Medicare as of 2020, Plan G has stepped into the spotlight.
Humana, a well-established player in the health insurance industry, offers Plan G along with other Medigap options. The company has a strong reputation for customer service and a wide range of health insurance products, making it a solid choice for your Medigap coverage.
What Does Humana Medigap Plan G Cover?
Humana’s Medigap Plan G offers extensive coverage to help you manage your healthcare costs. It covers the coinsurance costs of Medicare Part A and Part B, which means after you meet the Part B deductible, you typically won’t have any out-of-pocket costs for doctor’s services, hospital outpatient services, and other medical services.
Hospitalization costs can add up quickly, but with Humana’s Plan G, you’ll have coverage for your Part A deductible and coinsurance. This includes an extra 365 days of hospital care after your Medicare benefits are used up. It also covers the cost of three pints of blood should you need a blood transfusion.
One significant expense that beneficiaries may face is the Part B excess charge, which occurs when a doctor or provider charges more than the Medicare-approved amount for services. Humana’s Medigap Plan G covers these excess charges.
Additionally, Plan G provides coverage for skilled nursing facility care and foreign travel emergencies—benefits that Original Medicare doesn’t typically cover.
It’s important to note that like all Medigap plans, Humana’s Plan G does not include prescription drug coverage. For that, you’ll need to enroll in a separate Medicare Prescription Part D plan.
Call us today for rates for Humana Plan G in your area. 1-888-891-0229
View Rates for Plan G
Enter Zip Code
Humana Medicare Supplement Plan F
Another very popular Medicare Supplement plan from Humana is Medicare Plan F. For decades Plan F was the top Medigap plan due to its comprehensive coverage.
What is Medicare Plan F?
Medicare Supplement Plan F, commonly referred to as Medigap Plan F, is a supplemental insurance policy offered by private insurers like Humana. It’s specifically designed to cover the “gaps” in Original Medicare (Part A and Part B), including deductibles, copayments, and coinsurance.
Plan F is considered the most comprehensive of all the Medigap policies, covering all the costs that Original Medicare does not. However, as of 2020, Plan F is no longer available to those newly eligible for Medicare, but those who were eligible before the cut-off can still enroll or maintain their Plan F coverage.
What Does Humana Medigap Plan F Cover?
Humana’s Medigap Plan F offers expansive coverage to help manage your healthcare costs. It covers Part A hospital costs and coinsurance for an extra 365 days after your Medicare benefits are used up. Part B coinsurance and copayment are also covered, which means that once you meet the Part B deductible, you typically won’t have any out-of-pocket costs for doctor’s services, hospital outpatient services, and other medical services.
Plan F also covers the Part A and Part B deductibles, significantly reducing your out-of-pocket expenses. Skilled nursing facility care coinsurance, which can otherwise be quite costly, is included in the coverage.
One of the unique benefits of Plan F is its coverage for Part B excess charges, the extra amount a doctor or provider may charge over Medicare’s approved amount for a service. Moreover, Plan F provides coverage for foreign travel emergencies, a benefit not typically covered by Original Medicare.
Humana Plan F vs Plan G
The primary difference between Humana’s Plan F and Plan G is the coverage of the Part B deductible. Plan F covers this cost, while Plan G does not. This means that with Plan F, you get a virtually zero out-of-pocket expense experience for Medicare-approved services, while with Plan G, you would need to meet the annual Part B deductible yourself before your coverage kicks in.
However, the premiums for Plan G are typically lower than those for Plan F, making it a more cost-effective choice for some beneficiaries. It’s also worth noting that Plan G is available to all Medicare beneficiaries, regardless of when they became eligible, whereas Plan F is only available to those who were eligible before 2020.
Choosing between Humana’s Plan F and Plan G ultimately depends on your personal healthcare needs and financial considerations. Both plans offer robust coverage to help manage healthcare costs, providing peace of mind and financial protection.
Humana Medicare Supplement Plan N
As healthcare costs continue to rise, Medicare beneficiaries are seeking ways to better manage their out-of-pocket expenses. One solution is to enroll in a Humana Medicare Supplement Plan N. Among the various options available, Medigap Plan N is gaining popularity for its balance of coverage and cost.
What is Medicare Plan N?
Medicare Supplement Plan N is a Medigap policy that helps cover costs not paid by Original Medicare, such as copayments, coinsurance, and deductibles. Plan N is designed to offer a mix of affordability and coverage, making it a popular choice among beneficiaries who want to limit out-of-pocket costs without paying the higher premiums associated with more comprehensive plans.
What does Humana Medigap Plan N Cover?
Humana’s Medicare Supplement Plan N provides substantial coverage, which includes Part A hospital coinsurance and costs up to an additional 365 days after Medicare benefits are exhausted. It covers Part B coinsurance costs, although, for some office visits and emergency room trips, you may have to pay a copayment of up to $20 and $50, respectively.
Medigap Plan N also covers the Part A deductible and coinsurance for hospice care. If you require skilled nursing facility care, Plan N will cover the coinsurance.
Additionally, the first three pints of blood for a medical procedure are covered under Plan N.
One of the significant benefits of Humana’s Plan N is its coverage for foreign travel emergencies, a benefit typically not covered by Original Medicare.
However, it’s important to note that Plan N does not cover Part B excess charges, which are additional costs that healthcare providers are allowed to charge over Medicare’s standard payment. These are quite rare and typically inexpensive if they do occur.
Humana Medicare Plan G vs Plan N
When comparing Humana’s Medicare Supplement Plan G and Plan N, the main difference lies in the coverage and cost. Plan G offers more comprehensive coverage, including Part B excess charges, which Plan N does not cover.
Additionally, with Plan G, once you’ve paid your Part B deductible, there are no copayments for doctor’s visits or emergency room trips, unlike Plan N.
However, the premium for Plan G is typically higher than for Plan N, making Plan N a more affordable choice for many beneficiaries.
Therefore, if you don’t mind small copayments and are looking for lower premium costs, Plan N could be a suitable option.
On the other hand, if you prefer more comprehensive coverage and don’t mind paying a higher premium, Plan G could be a better fit.
It’s always a good idea to consider your healthcare needs, budget, and personal preferences when choosing a Medicare Supplement Plan.
Humana’s Medicare Supplement Plans, including Plan N, can provide valuable protection against high out-of-pocket healthcare costs. By understanding the coverage and cost differences between plans, you can make an informed choice that best fits your needs.
View Rates for Plan N
Enter Zip Code
What are Humana Medicare Supplement Plans?
Humana Medicare Supplement Plans, also known as Medigap plans, are offered by Humana, a private insurance company. These plans are designed to cover costs not fully covered by Original Medicare, including copayments, coinsurance, and deductibles.
Who is eligible for Humana Medicare Supplement Plans?
Individuals who are enrolled in Medicare Parts A and B and are 65 years or older are typically eligible to enroll in Humana Medicare Supplement Plans. In some states, these plans may also be available to individuals under 65 who are eligible for Medicare due to disability or certain conditions.
What types of Humana Medicare Supplement Plans are available?
Humana offers several types of Medicare Supplement Plans, each identified by a different letter of the alphabet (A, B, C, F, G, K, L, N). The coverage and costs associated with each plan differ, as do the rates for males and females as well as which area of the country you live in.
How do I enroll in a Humana Medicare Supplement Plan?
To enroll in a Humana Medicare Supplement Plan, call us today at 1-888-891-0229. We’ll also compare rates in your area from other top insurance companies to make sure you don’t overpay on your coverage.
What does a Humana Medicare Supplement Plan cover?
Humana Medicare Supplement Plans can cover various costs not covered by Original Medicare, including Medicare Part A and Part B deductibles, coinsurance, copayments, and excess charges. Some plans also cover foreign travel emergency care.
What is the cost of Humana Medicare Supplement Plans?
The cost of Humana Medicare Supplement Plans can vary based on the specific plan, your location, age, and health status. You can get a personalized quote on the Humana website or by contacting Humana directly.
How does Humana handle renewals for Medicare Supplement Plans?
Humana Medicare Supplement Plans are typically automatically renewed each year as long as the monthly premiums are paid. However, you should always confirm the renewal terms directly with Humana.
Can I switch my Humana Medicare Supplement Plan?
Yes, you can apply to switch your Humana Medicare Supplement Plan at any time, but approval may be subject to medical underwriting if you’re outside your Medigap Open Enrollment Period.
What is Humana’s reputation as a Medicare Supplement provider?
Humana is a well-established provider of Medicare Supplement Plans and is known for its broad range of plan options and commitment to customer service. However, individual experiences can vary, so it’s important to read reviews and do your own research.
Does Humana offer any additional benefits with their Medicare Supplement Plans?
Some Humana Medicare Supplement Plans may offer additional benefits such as fitness programs, vision discounts, and access to a nurse advice line. The availability of these benefits may vary by plan and location.
Request Quotes for Humana Medicare Supplement Insurance Today
Cost is an important factor when deciding which Medicare Supplement Insurance plan – and provider – to choose.
To receive and compare quotes from Humana and other top health insurance companies, enter your zip code above or give us a call directly by dialing 1-888-891-0229 and a licensed agent will be happy to assist you.
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.