Humana Medicare Supplement Insurance
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About Humana Medicare Supplement Insurance
Humana provides three types of Medicare coverage options for Medicare users. Its Medigap plans are designed to help seniors afford the cost of healthcare by covering items not traditionally included in Medicare Parts A and B. Policies are available for plans A through N (except part D), and Humana also offers plans for vision, dental and prescription coverage.
Pros & Cons
Pros
- Quotes available online
- Buy online or through an agent
- Search coverage by ZIP code
Cons
- Limited prescription coverage
- Plans not available everywhere
Bottom Line
Humana Medicare Supplement Insurance provides coverage not offered by traditional medicare. For a monthly premium, seniors can receive help with deductibles, coinsurance, hospice care and more.
Top Humana Medicare Supplement Insurance Reviews
I am very satisfied with my plan of policy from Humana. I have been in and out of the hospital over that last few years and not paid a dime out of pocket. Also when I go to my doc...
Read full reviewHumana has always been fair in charges for any medical services needed. Never been denied coverage for any service. Claims are easy to understand and very detailed. Annual fees ar...
Read full reviewWhat is Humana Medicare Supplement Insurance?
Humana’s Medicare Supplement Insurance, also known as Medigap, helps pay for healthcare costs that aren’t covered under Medicare Parts A and B. To qualify, you must be at least 65 years of age, be enrolled in Medicare Part B and live in a state where Humana offers the coverage you want. You can easily find what coverage is available in your area by doing a ZIP code search on the Humana website.
Humana offers three types of plans for seniors in need of coverage.
- Humana’s Medicare Supplement Insurance: Medicare supplemental insurance exists to cover healthcare costs not paid for under Medicare Parts A and B. This can include items like deductibles, coinsurance and hospice care.
- Medicare Advantage plans: Humana designed its Medicare Advantage plans as an alternative to government-offered Medicare. These plans cover what’s included in Medicare Parts A and B but also provide additional coverage, such as prescriptions, dental and vision.
- Humana’s Medicare Part D prescription drug plans (PDP): PDPs help cover the cost of prescription drugs, which can be astronomical for seniors on Medicare and a financial strain for those on limited incomes, such as Social Security. A PDP plan can be purchased as a stand-alone plan to help supplement your Medicare or any supplemental plan without prescription drug coverage.
Humana Medicare Supplement Insurance plans
Humana’s supplemental insurance is available under Plans A, B, C, F, G, K, L and N. A high-deductible Plan F is also available. Supplemental insurance coverage may help lower the cost of coinsurance and deductibles and cover special care or tests, including blood draws and skilled nursing facilities. Some plans even provide emergency travel insurance.
Generally, Medicare Supplement Insurance does not cover items like vision, dental care, hearing care, private nursing, long-term care or prescription drugs. Your specific coverage varies by the plan you select. Explore the plans below to better understand what each offers.
- Plan A
- Medicare Part A coinsurance and coverage for hospital benefits: Included
- Medicare Part B coinsurance or copayment: Included
- Blood (first three pints): Included
- Hospice care coinsurance or copayment: Included
- Skilled nursing facility care coinsurance: Not included
- Medicare Part A deductible: Not included
- Medicare Part B deductible: Not included
- Medicare Part B excess charges: Not included
- Foreign travel emergency: Not included
- Plan B
- Medicare Part A coinsurance and coverage for hospital benefits: Included
- Medicare Part B coinsurance or copayment: Included
- Blood (first three pints): Included
- Hospice care coinsurance or copayment: Included
- Skilled nursing facility care coinsurance: Not included
- Medicare Part A deductible: Included
- Medicare Part B deductible: Not included
- Medicare Part B excess charges: Not included
- Foreign travel emergency: Not included
- Plan C
- Medicare Part A coinsurance and coverage for hospital benefits: Included
- Medicare Part B coinsurance or copayment: Included
- Blood (first three pints): Included
- Hospice care coinsurance or copayment: Included
- Skilled nursing facility care coinsurance: Included
- Medicare Part A deductible: Included
- Medicare Part B deductible: Included
- Medicare Part B excess charges: Not included
- Foreign travel emergency: Included
- Plan F
- Medicare Part A coinsurance and coverage for hospital benefits: Included
- Medicare Part B coinsurance or copayment: Included
- Blood (first three pints): Included
- Hospice care coinsurance or copayment: Included
- Skilled nursing facility care coinsurance: Included
- Medicare Part A deductible: Included
- Medicare Part B deductible: Included
- Medicare Part B excess charges: Included
- Foreign travel emergency: Included
- Plan G
- Medicare Part A coinsurance and coverage for hospital benefits: Included
- Medicare Part B coinsurance or copayment: Included
- Blood (first three pints): Included
- Hospice care coinsurance or copayment: Included
- Skilled nursing facility care coinsurance: Included
- Medicare Part A deductible: Included
- Medicare Part B deductible: Not included
- Medicare Part B excess charges: Included
- Foreign travel emergency: Included
- Plan K
- Medicare Part A coinsurance and coverage for hospital benefits: Included
- Medicare Part B coinsurance or copayment: 50%
- Blood (first three pints): 50%
- Hospice care coinsurance or copayment: 50%
- Skilled nursing facility care coinsurance: 50%
- Medicare Part A deductible: 50%
- Medicare Part B deductible: Not included
- Medicare Part B excess charges: Not included
- Foreign travel emergency: Not included
- Plan L
- Medicare Part A coinsurance and coverage for hospital benefits: Included
- Medicare Part B coinsurance or copayment: 75%
- Blood (first three pints): 75%
- Hospice care coinsurance or copayment: 75%
- Skilled nursing facility care coinsurance: 75%
- Medicare Part A deductible: 75%
- Medicare Part B deductible: Not covered
- Medicare Part B excess charges: Not covered
- Foreign travel emergency: Not covered
- Plan N
- Medicare Part A coinsurance and coverage for hospital benefits: $20 copay for office visits; $50 copay for ER
- Medicare Part B coinsurance or copayment: Included
- Blood (first three pints): Included
- Hospice care coinsurance or copayment: Included
- Skilled nursing facility care coinsurance: Included
- Medicare Part A deductible: Included
- Medicare Part B deductible: Not included
- Medicare Part B excess charges: Not included
- Foreign travel emergency: Included
How much does Humana Medicare Supplement cost?
The cost of Humana Medicare Supplement Insurance depends on which plan you select. Review the chart below for the average monthly cost by plan type in different parts of the country.
| Plan | Tulsa, Oklahoma* | Missoula, Montana* | Columbus, Ohio* |
|---|---|---|---|
| Plan A | $174.32 | $135.56 | $101.32 |
| Plan B | n/a | $147.36 | n/a |
| Plan C | n/a | $191.53 | n/a |
| Plan F | $226.19 | $195.41 | $169.45 |
| Plan F** | $41.46 | $46.69 | $52.43 |
| Plan G | $71.97 | $180.55 | $131.38 |
| Plan K | $100.57 | $80.28 | n/a |
| Plan L | n/a | $113.31 | n/a |
| Plan N | $157.06 | $130.57 | $110.72 |
Humana Medicare Supplement Insurance FAQ
Is there an open enrollment period for Humana Medicare insurance?
Yes. The open enrollment period for Medigap begins the first day of the month you turn 65. You must also be enrolled in Medicare Part B. You can enroll in a Medicare Advantage plan or a Medicare drug plan (Part D) when you turn 65 or during your Initial Enrollment Period, Special Enrollment Period or regular Medicare enrollment periods for Medicare.
What states offer Humana insurance?
Find out if Humana is offered in your state by entering your ZIP code on the website to see plans in your area.
Does Humana offer supplemental dental insurance?
Yes, but not as a part of its Medicare Supplement Insurance. Supplemental dental insurance can be purchased separately.
Is Humana Medicare Supplement Insurance worth it?
If you’re not satisfied with Medicare Parts A and B, we recommend supplemental Medicare insurance to ensure you have the coverage you need. Humana’s Medicare Supplement Insurance provides extra protection and offers straightforward pricing and coverage information.
Is Humana a good Medicare supplement?
Humana is a health insurance giant offering a variety of Medicare insurance products and plans that can save seniors money. That said, Humana received mixed customer satisfaction ratings for various plans sold nationwide on the National Committee for Quality Assurance’s (NCQA) latest Health Plan Ratings report. A Humana plan may not be right for those looking for an exceptional experience with their Medicare Advantage or Supplement plans.
Humana Medicare Supplement Insurance Reviews
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This has to be the worst experience ever for me dealing with an insurance company. They never wanted to pay the bill. They had one story after another. The clinics were hospitals, the clinics used the wrong billing codes, then, Humana asked the clinic for their money back, and sent the bill to me, again. I'm still having to deal with them for a bill from last MAY, over 9 months ago. If anyone has fair dealings with this company - good for you. I don't know they show a rating like they do with Consumer Affairs when the other rating outlets show them at 1 star or less. I'd give them a zero star rating if possible. Just a nightmare, total nightmare.
I would like to say how can people afford their meds. I been on a medication for a year now. Now since Humana doesn't want to cover it I have to find another one that hopefully works. There is no help for people.
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I selected this plan with the help of my insurance broker. It appeared that they covered most of the medications I take. However, they get VERY creative in finding ways to deny coverage. Even when I could get my doctors to jump through all the hoops they set up to discourage them. They want pre-authorization for a generic. They deny coverage for a medication that my doctor thinks will have better bioavailability for me. In short, despite my physicians spending YEARS in med school, the bean counters at Humana think they know better what is for me. But not really.
The bottom line is they aren't going to cover most things, so paying the premiums and making appeals is a waste of time and money. Try Mark Cuban's online pharmacy for prices that would beat what it would cost even if Humana DID step up and cover the cost as they are supposed to. It's basically a scam to collect your premiums and rarely to never cover medication costs. If I have to pay for RX coverage to avoid a penalty, there ARE less expensive companies (that may not cover your meds either) but at least your premiums won't cost as much.
Humana has worse transportation company Motive care. They schedule a trip to hospital, confirm it, and then do not show up. They find all possible excuses not to provide transportation. I have reported it to Humana but they did not change the transportation Company.
Over the past few years the required transportation to or from a hospital or doctor's office did not materialize. I've had to postpone or cancel two surgeries, appointments, ... The reason? "We DON'T HAVE ANY DRIVERS IN YOUR AREA. UNTIL A PASSENGER IS BEING DELIVERED TO YOUR AREA, NO RIDE WILL BE AVAILABLE. SORRY FOR THE INCONVENIENCE." Yellow Cab also once did the same. At doctors' offices and hospitals they will call their own services "because the rides won't ignore us." Other than that, and the problems with CenterWell, Humana has done very well for me.
86 YO female sister with severe COPD developed pneumonia and was in the hospital for 2 weeks. After she no longer needed IV antibiotics or acute care, she was transferred to a Rehab Facility. She was unable to get out of bed alone, get to the bathroom alone, much less take care of her other needs. She was on oxygen 4L/min and had zero strength or stamina. She needed Physical Therapy in a big way for reconditioning as well as help with all other needs: bathing, dressing etc. Her Humana Advantage Plan denied her claim after only two days, this was appealed with much effort and time. They then gave her 5 more days.
The second appeal was denied and there was no other way to appeal. They just stopped paying! No physician that had examined her made this decision, only a physician employed by Humana! PLEASE, PLEASE NEVER hand over your Medicare Benefits to a managed care company. They pay for small things like office visits, medications etc. to suck you in but are famous, in the industry, for denying in patient care so desperately needed/indicated after a severe illness or injury. You are never aware of this until you need it.
Humana was acceptable in the past but lately they are intolerable. They pay less and charge more. Higher deductible and now they even to refuse to pay their portion of drugs they have paid for in the past. They won’t even accept my doctor sending them information on why I can’t take another drug on their preferred list. They even tried to get my doctor to prescribe a drug not FDA approved for my condition. They reject appeals for no reason. This behavior smacks of profit oriented vs. customer care. When open enrollment comes around, they are history. Avoid these guys!
Humana Pharmacy is discriminating as where I can refill my prescription. All of a sudden, they doubled my copay at my local pharmacy for one of my prescriptions and if I agree to order it through Humana Pharmacy online, it’s 0 co-pay. I’m 79 years old and have been filling my prescriptions at my local Costco Pharmacy lately. Previously, I used Walgreens and CVS locally. Just my preference!
This insurance was referred by Medicare Helpline. Thought I had fully vetted but the day it kicked in I lost the ability to go to any of my Doctors or continue with treatment because the hospital I was being treated at was not in network. So for three months I went without care since I could not afford to pay the cost for out of network services. I would not recommend Humana ever. I did go to one appointment as I could not wait and I am still getting bills in the mail for that appointment from 2021.
I was told to go ahead and set up my online account, check around, look for physicians, etc. as soon as I received my paperwork. Coverage wouldn't begin until after my start date, but I could set up the online account. So when it came, that's exactly what I did. I was able to set up and go in and out of my account. I wasn't able to search for doctors or something else I can't remember what it was, but I was able to set up and get into my online account. Once the effective date came and passed, I couldn't access my online account any longer.
When I went to sign on then, like so many sites these days they have these games they play where you have to sign in and out of other accounts to prove who you are. Why even have passwords if you don't believe the person signing in is who they are? I played and kept entering what they sent me, checked and rechecked before entering, but it never worked. Then they locked my account. I have not been able to get into my online account.
I have tried almost every day to get into my account. Won't let me in. Since companies want to handle everything online these days, having Humana is worthless to me now. Unlike many people, I don't have to use Humana. If they don't fix the situation, I will muddle through until I can go to a new company (with a working website). I've heard, (can't verify) calling Humana is a huge waste of time, so if I have to make a call it will be to the new company.
Humana Medicare Supplement Insurance Company Information
- Company Name:
- Humana Medicare Supplement Insurance
- Website:
- www.humana.com
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