Humana Medicare Supplement Insurance Reviews
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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.
- Quotes available online
- Buy online or through an agent
- Search coverage by ZIP code
- Limited prescription coverage
- Plans not available everywhere
Helpful Reviews
What 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.
Still have questions?
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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Reviewed March 21, 2026
My wife and I are now roughly 3 years into retirement. Thus far, we are VERY happy with our Humana coverage. Our prescription costs have been remarkably low and our other medical needs have all been covered better than I could have ever imagined. In fact, my State Farm agent, with whom I carry auto and renter's insurance, recommended that we use Humana as our Medicare supplement. Even though he does not work for Humana, he still noted that Humana was our best pathway to follow.
Reviewed Dec. 17, 2025
Humana representatives, as the face value, act very polite, calming down customers promising to take care of them. In fact - they do not lift a finger to actually resolve issues.
Here is just one (out of several) example: The breast cancer specialized doctor ordered the after-surgery PET SCAN. Provider perform the scan. Humana denied to pay for this scan. Provider kept sending us the bill for $5,300. For 4 months, during our numerous phone conversations with Humana - different representatives kept saying different things: ones said that come "code" was incorrect, others kept saying that we should not pay this bill and we should not worry about this matter as they will take care of this. Our numerous attempts to either get some meaningful explanation on that mysterious "code" or request Humana, as our Insurance, resolve the specific "code" situation with Provider and our Doctor - failed.
For 4 months we have been getting the same $5,300 bill from provider, Humana denied our appeals and grievances, Humana representatives kept assuring us that we have nothing to worry about. Finally, Provider passed our case to Collectors, Humana does not accept any more appeals due to 90 days grace period. Using common sense analysis - what result comes out on: Why benefits from the obvious procrastination in resolving our issue? In our case - we were left one-on-one with Provider, whom Humana did not pay. We paid insurance premium be protected, and in reality - Humana deliberately procrastinated resolving the case.
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Reviewed Dec. 6, 2025
Have had them a year and worst company for getting approval on medications, no matter what your dr states or proof you offer you get denied. They are rude, and not helpful at all. Would not recommend if your meds are important to you.
Reviewed Nov. 15, 2025
I experienced deceptive sales practices with Humana sales manager, Marlin **. She told me that changing from the Medigap Plan G High Deductible to the Medigap Plan G requires underwriting, despite that both plans have the exact same benefits. Marlin said the deductible part of the High Deductible Plan is considered a benefit therefore, underwriting is required. Marline referred me to the Summary of Benefits for both plans and then refused to send me the summaries. She tried to get me to settle for the general info readily available on the internet, but I insisted on the summaries. She refuses to send them to me. Well, how can I verify what she told me, which makes no sense, if she won't send me the Summaries, where the proof is supposed to be.
I finally got frustrated with the communication because, on top of Marlin's refusal to send what she referenced, she kept trying to push an advantage plan on me. I informed her that there is nothing advantageous about any Advantage plan for me, but she persisted. I had to shut down communication. I contacted the State Division of Insurance and they informed me, in writing, that they do not consider a deductible to be a benefit. I sent all the communications between me, Marlin, and a front line agent to the Division of Insurance. I get the impression that they are looking into the false information and/or business practices of Humana. Caveat emptor when dealing with Humana!
Reviewed Nov. 6, 2025
I have a prescription to refill my diabetic sensors. Humana received this 9 days ago and is unsure how to approve the prescription for a refill of Dexcom sensors. They say they need additional documentation for a prescription they initially filled 12, 9, 6 and 3 months ago, but now while speaking on the phone with them they say they need additional documentation but are having a hard time telling me what it is exactly they need. I now know why my pharmacy is having difficulty. Humana appears at this time to be in a catch 22. They need more documentation but don't know what they need.
I was told they didn't know what I was ordering and when I asked if I could make a 3 way call with the pharmacy who has been told multiple times Humana was requesting additional documentation, they magically had their number and knew who to call and what prescription needed to be discussed and put me on hold while they called them and wouldn't let me be on the line. If they are having such difficulty fulfilling a prescription for a common prescription.
Reviewed July 19, 2025
Humana agent lied about critical aspects of Medicare supplemental policy. He stated that the Humana HMO required no pre-authorization for specialists and that physicians out of network could be used. Neither are true. These are only 2 of the numerous lies used to induce us to sign up for the policy. Humana is, directly or indirectly, enticing their agents to employ such fraudulent practices.
Reviewed March 21, 2025
Personally I loved the plan I had last year. This year is why I give it a ⭐️⭐️⭐️. I wanted to go to my dentist and I can’t cause it would be out of pocket. So guess what who the heck can afford that. 😡😡😡 So I can’t wait to go back to what I was on 2 years ago. It will NOT be Humana.
Reviewed Feb. 9, 2025
Based on cost data provided by Humana in November 2024, I switched my Medicare Part D coverage to Humana for 2025. Based on my specific prescriptions, the website provided detailed cost, by month and annually. Using their mail order pharmacy (Centerwell), the total annual drug cost that was quoted was $846.86 and based on this, I enrolled and changed from my prior provider. However, when I received my bill for the first 3 month order, it was $1016.23! (This included the $550 deductible, but so did the annual quote). I have complete copies of all the information they provided during the enrollment process.
I am guessing that someone made an error in the database that was used during my enrollment because when I went back to the website in January, the cost quoted was changed to $1655.36 (all of the change was related to **). In January, I spoke to 6 Humana representatives to get an explanation, but none could explain what happened...Although I provided copies of the data, the representatives never provided an explanation. In January, I filed a grievance and it was denied because it was processed as if I was requesting an exemption to the ** pricing. I was requesting them to honor their enrollment quote. BUYER BEWARE!!! Hopefully, I was the exception, but If there are others that had a similar experience and would be interested in a class action, please respond... **
Reviewed Oct. 25, 2024
Humana my mother she was too old for them to pay for her survival due to her ethnic background. Humanity is horrible and ignorant in its efforts to care for those of diverse health backgrounds. Humans especially does not validate the sincere health lives of ** women and their possibilities to live longer.
Reviewed Aug. 7, 2024
Enough is enough. I had my drs (who know it’s me) send my prescriptions to another pharmacy (where no one knows me) before the end of the month and placed the refilled narcotics on Humana prescription card then yanked my account proving it's me.
Humana Medicare Supplement Insurance Company Information
- Company Name:
- Humana Medicare Supplement Insurance
- Website:
- www.humana.com