Humana Medicare Supplement Insurance
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.
Overall Satisfaction Rating
- 5 stars
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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.
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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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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!
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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.
My Mother required Home Health Care when I pulled her out of a Rehab Center with very bad bed sores. My PC Doc and I requested Home Health Care assistance from Humana (included with insurance) and was told that they had no one who could assist in our area.. What a JOKE!!! I was able to nurse Mother back to health and IMMEDIATELY cancelled my policy with Humana !! I probably should have sued them. AVOID HUMANA - THEY ARE PITIFUL!!
I filed (by snail mail) an out-of-network claim for emergency dental work as instructed by Humana Customer Service. Time passed. No contact, no check from Humana. A status check showed no information on the claim on file. A call back to the CS Representative suggested I send a fax, which I did in May. It's mid-June. Humana still has not registered my claim. Tried to follow up with so-called website "chat" but it doesn't function. This company is a sick joke. Dysfunctional Humana is excellent in giving a run-around. Guess their trash can must be full of discarded customer claims. Use these guys at your peril.
We are writing this Commendation Letter to appreciate Humana Sales Representative Jessica **, for her help to solve our family problems. For several years we had been choosing Humana Medicare Advantage Plan as Supplemental insurance. Everything was quite good until we run into the problems with some coverage. We contacted our Agent Jessica ** without any hope that she will be able or willing to help. However, to our great surprise, Jessica immediately responded to our call. She had determined that the the Company serviced us had made mistakes in their claims sent to Humana.
Jessica contacted to that Company and explained them their mistakes. Even when she was sick with Covid 19 she continued taking intense measures to bring our family problems to the successful solution. Employees like Jessica ** make a big positive efforts to improve the image of Humana and to consequently attract more customers. She is not just regular employee. She goes extra mile to help and satisfy the customers. Thank you very much, Jessica!
I had a script filled and paid for Humana for a skin cream to treat a bad rash I had developed. The script specified ONE refill before 5/5/2022. I did NOT notice that, in ultra small print, "no refill BEFORE 3/3/2021." Well, the rash expanded a bit and I'm a big guy to begin with and it became clear to me, on 2/22/2021, that I was going to run out of ointment, so I contacted my pharmacy to get a refill. Humana denied the refill and I called them.
They were unmoved by the the facts, sticking to the claim that the 45 grams represented enough for a two-week treatment. I told them that this wasn't like a certain number of pills taken x per day that would be expected to last a specific length of time. This was a TOPICAL and how long it was going to last was dependent on some variables that didn't exactly translate to a predictable dose. And anyway, they'd've paid for the refill on 3/3/21, but not on 2/22/21. How does this make sense? I was unable to sway the person on the phone; her solution was, and I quote, "Maybe you should spread it a bit thinner." This after I waited 22 minutes on 2/24 to actually speak to a human. The fact that I would have been OKd for the refill ONE WEEK later was not sufficient to get them to budge.
Fair price. However, with virtually every prescription that is filled, the pharmacy reports an issue with the insurance company. Delays the prescription. Never experienced this before. A standard review by Humana can take up to 72 hrs and an emergency request 24 hrs. You may be out of your prescription but will have to wait on Humana’s approval. They frequently seem to need to contact your doctor for some reason which can add up to a 14 day delay. Benefit coverage seems to vary, a particular prescription of mine for a 30 day supply cost $47. A 90 day supply $33. I was told today ‘circumstances’ changed with 2021, but my renewal documents stated nothing about verification changes with doctors. A frequently prescribed blood pressure medication - why after years being prescribed this drug should Humana now have an issue? Coincidence they contacted me last week to seek an less expensive alternative to this drug, I don’t think so.
Humana Medicare Supplement Insurance Company Information
- Company Name:
- Humana Medicare Supplement Insurance
- Website:
- www.humana.com
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