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Humana Medicare Supplement Insurance
Humana Medicare Supplement Insurance

Humana Medicare Supplement Insurance

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Insurance leader Humana provides three types of Medigap insurance for Medicare users. The policies are designed to help seniors afford the cost of health care by covering items not traditionally included in Medicare Parts A and B. Policies are available for plans A through N, and Humana also offers plans to cover vision, dental and prescriptions.

BOTTOM LINE

Humana Medicare Supplement Insurance provides coverage for items not provided under traditional medicare. For a monthly premium, seniors can receive help with deductibles, co-insurance, hospice care and more.

PROS

  • Detailed plan information available online
  • Buy online or through a licensed agent
  • Easy to search coverage by ZIP code

CONS

  • Prescriptions not covered
Humana Medicare Supplement Insurance

Humana Medicare Supplement review

Humana’s Medicare Supplement Insurance, also known as Medigap, helps pay 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 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. They can be purchased together or separately.

  • Humana’s Medicare Supplement Insurance: Supplemental Medicare 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 their 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 Medicare and/or any supplemental plan you have.

Humana Medicare Supplement plans

Humana’s supplemental insurance is available under Plans A, B, C, 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

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.

PlanTulsa, Oklahoma*Missoula, Montana*Lexington, Kentucky*
Plan A$92.34$128.59$93.14
Plan Bn/a$139.78n/a
Plan Cn/a$175.08n/a
Plan F$142.46$178.62$152.51
Plan F**$41.46$46.69$47.78
Plan G$102.49n/a$121.41
Plan Kn/a$76.19n/a
Plan Ln/a$107.50n/a
Plan N$91.64$119.40$101.90
*This quote is just an estimate. It's based on a 67-year-old, non-smoking female.
**High deductible plan F has a deductible of $2,300, compared to $185 for other plans. The trade-off is the much lower monthly premium cost.

Humana Medicare Supplement Insurance FAQ

Is there an open enrollment period for Humana Medicare insurance?
Yes. The open enrollment period begins the first day of the month you turn 65. You must also be enrolled in Medicare Part B.
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 their 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.

2 Humana Medicare Supplement Insurance Consumer Reviews

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Rated with 1 star
Verified Reviewer
Original review: Sept. 17, 2019

Several doctors will not see you if you have Humana. So I dropped the medical and kept the prescription plan. Big mistake! The representative I talked to agreed that because I dropped medical, they were going to “screw” me on my prescription costs. Gotta give it to her, at least she didn’t lie like the other representatives. If I could, I would rate Humana a minus ten!!!

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Rated with 1 star
Verified Reviewer
Original review: Sept. 10, 2019

Humana is continues to write for additional/supplemental insurance. I have sent them in writing on their form all the information I have which is rather complete. However, every month they write again for the same information on the same form. I likewise have called their Customer Service and have been advised no problem. The doctor's office advised this is very characteristic of Humana and I'm not the only one that experiences this type of inconvenience. For the person looking for Medicare Supplemental Insurance, I would highly consider the slow payment of claims as you may have to pay out of your pocket as the doctor certainly would like their payment in the current year.

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Humana Medicare Supplement Insurance Company Information

Company Name:
Humana Medicare Supplement Insurance
Website:
www.humana.com
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