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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.
Featured 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
ConsumerAffairs has collected 94 reviews and 925 ratings.
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Reviewed Nov. 24, 2023
I changed to Humana Health insurance instead of staying with Michigan Blue Cross Blue Shield. Biggest mistake of my life!! I was told I have durable hospital equipment coverage I’ve been fighting them for 5 months now to ge reimbursed for a hospital bed I need since I had my leg amputated. I pay $232.88 per month. $2328.30 is what I’m owed. I had a total of 14 surgeries in 6 months & had to get my leg removed. Every time I checked to see what I needed for this claim they would say I need something else. I’ve been fighting for my money for 5 months now! I’m going to contact my Attorney General’s office of Michigan & I’m going to get a patient advocate & fight this. DO NOT GET HUMANA! I’m going back to Blue Cross Blue Shield. I’m debating to get a lawyer for this. They are going to pay me or I see a lawyer.
Reviewed Nov. 3, 2023
My step dad passed away in Mazatlan Mexico. He had a Humana plan that covers out of country USA for the first two months. It was a horrible experience. He was in three different hospitals with emergency episodes. When I submitted my claims as representative of the estate, Humana said,, because the doctors didn't write the word "emergency" in their reports that the claim was denied. Initially I spoke with representative Meghanne J from the Dual's department who sold me the moon and told me what I wanted to hear. She said I had to submit my claims to the "Foreign Claims Department". There is NO foreign claims department!! At the end of our conversations, I was asked to leave a review. I left excellent reviews because I was lead to believe everything would be paid.
After 5 months of false hopes and promises I became frustrated. Upon expressing my frustration, I was no longer able to leave feedback!!! They had been stringing me along the whole time for the positive reviews!! I was expected to provide professional translations of the billing. Good luck with that. Humana is a multi billion dollar company and you mean to tell me that they don't have the software to do this? Then they wanted the codes that Mexico doesn't provide. All I got was the runaround. It's been almost a year and It is my opinion that this is a heartless company full of deceit. I have since signed up with Lakeside Medical Group in Mazatlan Mexico. It's free. Google that,, contact Lucia Lleras... Lakeside will NOT deal with Humana.
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Reviewed Aug. 28, 2023
Humana says that they see us, but they certainly DO NOT make the process of filing a claim easy. After submitting a claim under my dental coverage, it took over two months to get them to respond. They ignored the claim and never contacted me to say they were ignoring it. It appears that there is a separate member ID number for dental versus medical, although they never sent me a new ID card or informed me that this was the case. Therefore my member ID did not match, so they just ignored it.
Finally after I took the initiative to find out what was going on and answered all their questions, the claim was approved and they sent that determination to the Dentist involved. Problem solved, so I thought – NOT! Over a month later I received a notice in the mail that the claim was being denied because I did not answer a question regarding whether this was a new service or a replacement service. I had answered that question when they originally approved the claim. I called and answered the question again and now I have waited over a week for them to notify the dentist. This is the worst approach I have encountered regarding bureaucratic processes that ignore customer care and concern.
Reviewed July 13, 2023
I saw DDS Francis ** for new dentures. Dr. ** and his staff were so considerate and listened to all my issues. I had a bad experience with the dentures I have so I was surprised he did the impressions himself. They took time to explain everything and make sure I was comfortable with what they needed to do. I highly recommend him to anyone in need of a dentist.
Reviewed July 6, 2023
I was attempting to get an estimated out of pocket cost on a surgical procedure and neither the provider nor Humana would provide. Ultimately, without knowing costs I did not schedule the eye surgery, which probably made Humana happy. I also tried to file a complaint about the provider, which Humana referred me to, only to be told the provider was right in not providing me with an estimated out of pocket cost.
Reviewed Feb. 14, 2023
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.
Reviewed Feb. 9, 2023
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.
Reviewed Jan. 23, 2023
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.
Reviewed Nov. 28, 2022
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.
Reviewed Oct. 26, 2022
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.
Humana Medicare Supplement Insurance Company Information
- Company Name:
- Humana Medicare Supplement Insurance
- Website:
- www.humana.com
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