Humana Medicare Supplement Plans

Humana Medicare Supplement plans help cover the “gaps” left by Original Medicare.

Here are some key features of Humana Medigap plans:

  • Works with your Medicare coverage (Medicare Part A and B)
  • Unlike with an HMO or PPO, you have freedom from network restrictions; choose any doctor in the United States that accepts original Medicare.
  • No referrals required
  • Coverage in all 50 states, making traveling a breeze
  • No annual plan changes as each plan level benefits are standardized
  • Plenty of options are available when shopping for Medicare Supplement insurance plans (Plan A, Plan B, Plan C, Plan K, Plan L, and more)

What Medicare Supplement Plans Does Humana Offer?

Humana Medicare Supplement Plan G

Medigap Plan G is the fastest-growing plan level, and it’s getting increasingly popular every year. According to CSG Actuarial, 13 percent of Medicare beneficiaries with Medigap coverage were on Plan G in 2016. This number is only expected to rise.

Plan G features:

  • It offers robust coverage for a more affordable monthly price
  • Medigap Plan G is the fastest-growing plan
  • Part A hospital coinsurance
  • The hospital costs up to 365 days after benefits through Original Medicare are exhausted
  • Part A hospice care copays or coinsurance
  • Part A deductible
  • Part B preventive office visit coinsurance
  • Part B coinsurance or copays
  • First, three pints of blood needed for a medical procedure
  • Coinsurance for care in a skilled nursing facility
  • Limited foreign travel emergency care

Humana Medicare Supplement Plan N

According to CSG Actuarial, 11 percent of beneficiaries of Medigap plans have Medicare Supplement Plan N. Humana Medicare Supplement Plan N is popular because it covers many costs. However, it is not as comprehensive as Plan G or Plan F. However, monthly premiums are generally significantly cheaper, making it a good option for the cost-conscious who don’t mind some cost-sharing.

Plan N features:

  • The Medicare Part B deductible is not covered
  • You have to pay a copay for doctor’s office visits ($20)
  • Emergency room visits copay is ($50)
  • Medicare Part B Excess Charges are not included

Humana Medicare Supplement Plan F

Medigap Plan F is the most popular Medigap plan throughout the country. This is because it’s one of the most comprehensive plans with the most coverage. Of course, you can expect to pay higher monthly premiums along with this better coverage.

Plan F features:

  • Medicare Part A hospital coinsurance
  • The hospital costs up to 365 days after benefits through Original Medicare are exhausted
  • Part A hospice care coinsurance or copays
  • Part A deductible
  • Part B deductible
  • Part B preventive office visit coinsurance
  • Medicare Part B coinsurance or copays
  • Medicare Part B excess charges
  • First three pints of blood needed for a medical procedure
  • Coinsurance for care in a skilled nursing facility
  • Limited foreign travel emergency care

Medigap Plan F is available as a standard or high-deductible plan, unlike other Medicare plans. A high deductible Medicare plan F might be an option if you want lower premiums but maximum additional benefits on top of your Medicare benefits. If you choose High Deductible Plan F from the Humana Medicare Supplement plans, be prepared to pay the deductible before your benefits kick in.

Do Humana Medigap Plans Include a Medicare Part D plan?

Humana Medicare Supplement plans do not include Medicare Part D prescription drug plans. This is true of all Supplement plans. Therefore, you must buy a Medicare Part D drug plan separately if you want prescription drug coverage. You can purchase your plan from Humana or any other company that offers them; you do not have to buy your Supplement plan from the company you purchased your prescription drug plan.

When Can I Enroll in a Humana Medicare Supplement Plan?

Around the time that you first turn 65 years of age, you will have six months to sign up for a Medicare Supplement plan. Signing up during this Initial Election Period/Medicare Enrollment Period is best. You are not subject to medical underwriting during this time and have guaranteed issue rights. This helps you ensure you can purchase the plan you want and help you avoid higher rates due to health conditions.

Humana Medicare Supplement Plans Review

Overall, Humana is a great company to buy your Supplemental policy. It’s a well-known, reputable company, making it very reliable, especially compared to some of the “mom and pop” companies that have been popping up over the past few years. It has good A.M. Best ratings and is well-known for providing customer satisfaction with its health and life insurance plan options. Humana offers multiple plans in multiple areas, so it might be the best provider for you when shopping for Plans A through N to supplement the federal Medicare program.

Since they aren’t the largest provider of Medicare Supplement plans, rates may increase over time. However, overall, Humana is a company that you should pay attention to when shopping for Medicare Supplement plans online.

Of course, you should compare your options before buying one of Humana’s Medicare Supplement plans. Comparing rates from top companies like Aetna, Mutual of Omaha, and Cigna can help ensure you get the best deal. We make this easy, though.

Next Steps

We specialize in guiding Medicare beneficiaries through their Medicare insurance options. We work with some of the nation’s top-rated Medigap carriers to ensure you get the best possible service. Review our Medicare Supplement Plans Comparison Chart and look deeper at the plans. Additionally, you can call us today to learn more or request a quote online.

Article Resources:

Mark Prip

For more than two decades, Mark Prip at My Medigap Plans has been an authority figure in the insurance industry and continues to uphold a mission to provide customers with comprehensive information about Medicare, life, and dental coverage. In addition, his expertise is unmatched - having helped thousands of Medicare beneficiaries choose suitable healthcare plans for themselves - making him stand out above competitors.