Humana Medicare Supplemental Insurance Policy

Humana has a wide selection of plans and low rates for high-deductible plan G

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Original Medicare provides comprehensive health insurance benefits through Parts A and B, but it doesn’t cover everything. If you have Original Medicare, it’s worth considering a Medicare supplement plan, also called Medigap, which can provide coverage for some costs that Original Medicare excludes, like deductibles and copayments.

Unlike Original Medicare, Medigap plans are sold by private insurance companies, like Humana. There are 12 different plan types that are designated by letters. The benefits are standardized, so they don’t differ between insurance companies. You can purchase 10 different Medicare supplement plans through Humana, including plans A, B, C, F, high-deductible F, G, high-deductible G, K, L, and N. 

About Humana

Humana is headquartered in Louisville, Kentucky. It is one of the largest health insurers in the United States and traces its beginnings back to 1961. Humana provides health insurance products in all 50 states and Washington D.C..

Humana has solid financial strength ratings, including an A- (Excellent) rating from AM Best, a Baa3 from Moody’s, and a BBB+ from Fitch.

J.D. Power & Associates ranked Humana second nationwide for overall customer satisfaction in its 2022 U.S. Medicare Advantage Study. 

Plan Features and Benefits

There are 10 Humana Medicare supplement plans available, including two high-deductible plan options. Some Humana Medicare supplement plans include member perks, like discounted hearing and vision exams, prescription medication discounts, and the HumanaFirst Nurse Advice Line for 24/7 medical advice.

Humana’s Medigap plan offerings vary by state. Below are more details about each Medigap plan type and what it covers. 

Plan A

Medicare Supplement Plan A provides more coverage than Medicare Part A (hospital insurance) and Medicare Part B (medical insurance) alone, but some out-of-pocket costs are not covered, including your Part A and Part B deductibles. plan A can be a good option if you need limited medical care. 

What’s covered:

  • Part A coinsurance and hospital costs for up to 365 days after Medicare benefits run out
  • Part A hospice care coinsurance or copayment
  • Part B coinsurance or copayment
  • First three pints of blood

Plan B

Medigap Plan B provides coverage for various medical expenses and hospitalization. Compared to Plan A, Humana Medicare Supplement Plan B provides more benefits for hospital stays. If you’re looking to supplement your Original Medicare Parts A and B with extra coverage in case of hospitalization, Plan B might be a good option. With Plan B, you are only responsible for paying your Medicare Part B deductible. 

What’s covered:

  • Part A coinsurance and hospital costs for up to 365 days after Medicare benefits run out
  • Part A hospice care coinsurance or copayment
  • Part A deductible
  • Part B coinsurance or copayment
  • First three pints of blood

Plan C

Humana Medicare Supplement Plan C provides coverage for most out-of-pocket costs you’re typically responsible for if you have Original Medicare. With Medigap Plan C, you get the same benefits of Medicare Supplement Plan A and Plan B, with the addition of coverage for the Part B deductible, skilled nursing facility coinsurance, and emergency medical care while traveling internationally. 

You can only purchase Humana Medicare Supplement Plan C if you were eligible for Original Medicare before Jan. 1, 2020.

What’s covered:

  • Part A coinsurance and hospital costs for up to 365 days after Medicare benefits run out
  • Part A hospice care coinsurance or copayment
  • Part A deductible
  • Part B coinsurance or copayment
  • Part B deductible
  • First three pints of blood
  • Skilled nursing facility care coinsurance
  • Emergency medical services outside the U.S. (up to 80% of your plan limit)

Plan F

Medigap Plan F is one of the most comprehensive Medigap plans available. It provides the same coverage as Plans A, B, and C, but it also covers your Medicare Part B deductible and 100% of your Medicare Part B excess charges. An excess charge occurs when your doctor is allowed to charge more than the Medicare-approved cost for certain services, leaving you to pay the difference. 

With Humana Medicare Supplement Plan F, it’s possible that you could pay nothing out-of-pocket for hospitalization and doctor’s visits. However, you can only purchase Medigap Plan F if you were eligible for Medicare before Jan. 1, 2020.

What’s covered:

  • Part A coinsurance and hospital costs for up to 365 days after Medicare benefits run out
  • Part A hospice care coinsurance or copayment
  • Part A deductible
  • Part B coinsurance or copayment
  • Part B deductible
  • 100% of Part B excess charge
  • First three pints of blood
  • Skilled nursing facility care coinsurance
  • Emergency medical services outside the U.S. (up to 80% of your plan limit)

High-deductible Plan F

High-deductible Medigap Plan F includes all the same coverages as standard Plan F, but the deductible is much higher. While the premiums are lower, you pay more out-of-pocket when you need medical care. For 2022, the deductible for high-deductible Plan F is $2,490. You must pay the full deductible before your plan will start paying for your qualifying medical expenses.

Plan G

Medicare Supplement Plan G provides the same benefits as Medigap Plans A, B, and C, but the Medicare Part B deductible isn’t covered. This Medigap plan can be a good choice if you want more hospitalization coverage than Medicare Part A provides, but don’t mind paying the Part B deductible out-of-pocket. 

What’s covered:

  • Part A coinsurance and hospital costs for up to 365 days after Medicare benefits run out
  • Part A hospice care coinsurance or copayment
  • Part A deductible
  • Part B coinsurance or copayment
  • 100% of Part B excess charge
  • First three pints of blood
  • Skilled nursing facility care coinsurance
  • Emergency medical services outside the U.S. (up to 80% of your plan limit)

High-deductible Plan G

High-deductible Plan G provides the same coverage as standard Plan F, but with a higher deductible. The deductible for 2022 is $2,490, which is the amount you must pay out-of-pocket before the plan will start covering certain expenses. 

In our reviews of the Best Medicare Supplement Companies and the Best Medicare Supplement Plan G Providers, Humana was named the “lowest cost high-deductible plan G provider.”

Plan K

Medigap Plan K provides similar coverage as other Medigap plans. The difference is that Plan K only pays 50% of most out-of-pocket costs, whereas other Medigap plans cover 100% of the cost. Humana Medicare Supplement Plan K also has lower premiums than other Medigap plans, but the coinsurance is often higher for various medical and hospital services.

Medigap Plan K has an out-of-pocket limit, which caps the amount of money you must pay for medical expenses in one year. Once you reach the limit, your plan pays 100% of your eligible medical expenses for the remainder of the year. For 2023, the Plan K out-of-pocket limit is $6940.

What’s covered:

  • 100% of your Part A coinsurance and hospital costs for up to 365 days after Medicare benefits run out
  • 50% of your Part A hospice care coinsurance or copayment
  • 50% of your Part A deductible
  • 50% of your Part B coinsurance or copayment
  • 50% of your first three pints of blood
  • 50% of your skilled nursing facility care coinsurance

Plan L

Medicare Supplement Plan L includes the same coverages as Plan K, but instead of covering 50% of your out-of-pocket costs, it pays for 75% of your expenses.

Humana Medicare Supplement Plan L also has a maximum annual out-of-pocket cost which you must pay before your plan will start covering qualifying services. In 2023, the maximum out-of-pocket limit for Plan K is $3,470. Compared to Plan K, Plan L has a higher premium, but lower coinsurance amounts. 

What’s covered:

  • 100% of your Part A coinsurance and hospital costs for up to 365 days after Medicare benefits run out
  • 75% of your Part A hospice care coinsurance or copayment
  • 75% of your Part A deductible
  • 75% of your Part B coinsurance or copayment
  • 75% of your first three pints of blood
  • 75% of your skilled nursing facility care coinsurance

Plan N

Plan N provides comprehensive coverage for many of the expenses that Original Medicare excludes. It offers the same benefits as other Medigap plans, but it does not cover the Part B deductible or Part B excess charges.

Humana Medicare Supplement Plan B covers 100% of your Part B coinsurance costs, but it doesn’t cover a $20 copay for some office visits and a $50 copay for emergency room care when you are not admitted. You must pay those costs out-of-pocket. 

What’s covered:

  • Part A coinsurance and hospital costs for up to 365 days after Medicare benefits run out
  • Part A hospice care coinsurance or copayment
  • 100% of Part B coinsurance or copayment, except for a copay of up to $20 for some office visits and a copay of up to $50 for emergency room visits when you are not admitted
  • First three pints of blood
  • Skilled nursing facility care coinsurance
  • Part A deductible
  • Emergency medical services outside the U.S. (up to 80% of your plan limit)

Cost

Medigap plan costs are determined based on several factors, including the plan type, when you enroll, your age, and your health. High-deductible Plans F and G have the cheapest monthly premiums, but you pay the most out-of-pocket before your plan starts paying. Medicare Supplement Plan F has the most robust coverage, so you can expect this plan to be the most expensive.

Note

If you apply for a Medigap policy when you’re first eligible (during your six-month Medigap open enrollment period), you can’t be denied coverage based on your health and may receive the best rates.

We got sample quotes across two ZIP codes for Plan G, one of the more popular Medigap plans. For a 65-year-old male in Miami-Dade County, Florida, who doesn’t smoke, Medigap Plan G costs as little as $237 per month. For the same 65-year-old man in El Paso County, Texas, Medigap Plan G costs as little as $96 per month. In both ZIP codes, females with the same demographics pay slightly less for Plan G coverage ($222 and $85, respectively).

Humana Contact Information

To get in touch with Humana about a Medicare Supplement Insurance plan, you can call the company at (800) 457-4708, seven days per week, between 8 a.m. and 8 p.m. (CT). If you’re already a Humana customer, you can also use the live chat feature online to connect with a representative. 

FAQ

What Is a Medicare Supplement Plan?

A Medicare supplement plan pays for some out-of-pocket costs that Original Medicare doesn’t, like deductibles, copayments, and emergency medical care when traveling out of the country. There are a variety of Medicare supplement plans available, which are sold by private insurance companies. You can only purchase a Medigap plan if you have Original Medicare Parts A and B.

Do I Really Need Supplemental Insurance With Medicare?

Original Medicare provides good health insurance coverage, but there are some significant gaps. For example, you’re required to pay deductibles for hospital insurance and medical insurance, as well as copayments or coinsurance for a variety of services. A Medigap plan will pay for many of these expenses, so you pay less out-of-pocket when you receive care.

What Is Medicare Supplement Plan G?

Medicare Supplement Plan G is a type of Medigap plan that pays for some of the costs that Original Medicare does not cover. Plan G is one of the most comprehensive Medigap plans available, but it excludes coverage for your Part B deductible. Medicare Supplement Plan G is also available in a high-deductible version, which has a lower monthly premium.

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