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Founded in 1961, Humana is a Louisville, Kentucky-based company that has roots in the nursing home industry, as well as hospital ownership. Today, it has evolved into one of the largest publicly traded health insurance companies in America, with over 20 million members.
Offering eight of the 10 standard Medigap plans, Humana has substantial options, befitting such a large company. Other providers we've reviewed, including Cigna, offer a more limited number of plans, so we appreciate the variety Humana offers. But be aware that those options vary greatly depending on your ZIP code. If there is a plan available that fits your budget and needs, Humana places a strong emphasis on accessibility to their agents, seven days a week, and offers easy-to-use online resources for practical solutions as well as lifestyle interests. This Better Business Bureau A+ rated may be the insurance partner that helps you maintain your robust quality of life.
|A, B, C, F, High Deductible F, G, K, L, and N (N has $20 copay for office visits;
$50 copay for ER)
|Medicare Part A coinsurance and coverage for hospital benefits|
|A, B, C, F, High Deductible F, G, K (50%), L (75%), N||Medicare Part B coinsurance or copayment|
|A, B, C, F, High Deductible F, G, K (50%), L (75%), N||Blood (first 3 pints)|
|A, B, C, F, High Deductible F, G, K (50%), L (75%), N||Hospice care coinsurance or copayment|
|C, F, High Deductible F, G, K (50%), L (75%), N||Skilled nursing facility care coinsurance|
|B, C, F, High Deductible F, G, K (50%), L (75%), N||Medicare Part A deductible|
|C, F, High Deductible F||Medicare Part B deductible|
|F, High Deductible F, G||Medicare Part B excess charges|
|C, F, High Deductible F, G, N||Foreign travel emergency (up to plan limits)|
Quick Note: Effective Jan. 1, 2020, plan options C, F, and the High Deductible Plan F are only available to applicants who became eligible for Medicare prior to 2020.
Let's take a look at the different Medigap plans and who they're best for so you can decide which Humana plan might be the right fit for you.
Humana's Medigap plans A and B are designed to help cover costs for basic needs not paid by Medicare Parts A and B, such as unexpected medical expenses or extended hospital care. You save money with these plans, as you are not paying for coverage you do not use, but you may have to deal with a few unexpected expenses. Plan B adds a bit more coverage for hospitalization.
Opting for Plan C means your monthly expenses will stay constant, as it covers most Medicare-approved medical expenses. It has all the benefits of Plans A and B plus skilled nursing facility care coinsurance, Part A deductible for hospitalization and Medicare Part B deductible for medical, medical and hospital outpatient expenses, and medical emergency help (up to plan limits) when you're traveling out of the country. Plan G, a very popular choice, covers all the supplements of Plans A, B, and C, with the exception of the Medicare Part B deductible. It's worth doing the math to see if your rate generated for Plan G will save you money.
Pro Tip: Medicare Supplement insurance plans A through G provide benefits at higher premiums with limited out-of-pocket costs. Plans K through N are cost-sharing plans offering similar benefits at lower premiums with greater out-of-pocket costs.
Plan F is one of only two Medigap plans that cover 100 percent of Medicare Part B excess charges. This protects you from additional expenses for treatments that exceed Medicare approval. Plans A, B, and C benefits are covered plus skilled nursing facility care, Medicare Part A and B deductibles, and international travel emergency help. Plan F also has a high-deductible option with a lower premium, but note that the deductible is not fixed and can go up each year.
Quick Tip: Visit our list of the best Medigap providers in 2022 to learn why Humana is a top contender.
Plans K and L offer lower premiums for less coverage. You get the same basic benefits but with less coinsurance and copayment coverage. On the other hand, you are protected by out-of-pocket maximums that limit the amount you may pay each year. After that maximum is reached, the plan pays 100 percent of Medicare-approved costs for the remainder of the year. These plans give peace of mind in case of a serious illness or accident.
Plan K offers a lower premium than Plan L, but it has higher coinsurance amounts and annual out-of-pocket maximums. Plan N is similar to plans K and L in that it maintains a lower premium than other plans, but it offers more coverage than K and L. Plan N covers 100 percent of your Medicare Part B coinsurance costs, but you will have a $20 copay for office visits and a $50 copay for ER visits.
FYI: If a Healthy Living version of your chosen plan is available, it adds on vision and dental coverage.
|Plan||Monthly premium price range (depending on age, state, sex, and if you smoke)|
|A||Approx. $138.15 to $446.68 per month|
|B||Approx. $220.14 to $361.66 per month|
|C||Approx. $275.93 to $457.33 per month|
|F||Approx. $180.59 to $593.14 per month|
|F High Deductible||Approx. $73.29 to $222.87 per month|
|G||Approx. $277.38 to $410.22 per month|
|G High Deductible||Approx. $77.36 to $82.29 per month|
|K||Approx. $93 to $290.89 per month|
|L||Approx. $169.05 to $278.80 per month|
|N||Approx. $117.46 to $375.29 per month|
Buyer's Tip: Visit our Humana and senior care guide to learn more about Humana's cost and coverage for different types of care.
Humana gets points for having an easy-to-use, complete online process for enrollment, but you can also call a licensed Humana sales agent seven days a week. Online enrollment has advantages, however, as the site makes it easy to compare the plan options side by side. We appreciate that Humana offers an online enrollment option, as Colonial Penn, another provider we've reviewed, requires you to get a quote and enroll over the phone.
Below is a step-by-step guide to enrolling in a Humana Medigap plan online.
Bonus: Humana’s Savings Center curates a range of available health and wellness discounts for their policyholders.
Humana has competitive rates, and its size allows it to offer a few more bells and whistles compared to smaller companies, such as health and wellness discounts online and the reward programs to help seniors stay active and healthy. Overall, the options and price points make Humana a worthy choice for your Medigap needs.
To buy a Medicare Supplement plan, you must be enrolled in Medicare Parts A and B, you must live in the state where the policy is offered, and be age 65 or over. In some states, you may be eligible before age 65 if you have a disability or end-stage renal disease.
Yes, timing matters. The Medicare Supplement open enrollment period starts on the first day of the first month in which you’re age 65 or older and enrolled in Medicare Part B. In some states, you can buy a plan on the first day you’re enrolled in Medicare Part B, even if you’re not yet 65. If you meet certain criteria, such as applying during your Medicare Supplement open enrollment period, or if you qualify for guaranteed issue, a company can’t use your medical history to determine your eligibility. Rules in some states may vary.
To complete your enrollment form, you’ll need to have your Medicare card or your letter from the Social Security Administration or Railroad Retirement Board on hand. If you currently have a popup blocker on your computer, disable it before beginning to fill out the forms.
Yes. By completing the form and hitting the send button, you are sending an official enrollment election to Humana. The enrollment packet and a copy of the completed enrollment form should arrive in your mail from Humana within seven to 10 business days.