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Humana Medicare Supplement Plans

When you have Original Medicare, finding a Medicare Supplement plan is vital to ensuring you have the best coverage for your healthcare needs. Luckily, Humana Medicare Supplement (Medigap) plans are among the highest-rated on the market.

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Humana is one of the most widely available carriers, offering plans in all 50 states and 84% of counties nationwide. By empowering their members to lead healthy lifestyles and offering a diverse line of Humana Medicare Supplement plans, there are benefits that can fit a broader range of healthcare and budgetary needs.

Below, we’ll review some of the most popular Humana Medigap plans, the company’s customer reviews, and what makes them stand apart from other carriers.

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Humana Medicare Supplement Plans for 2024

Humana Medicare Supplement plans continue to be highly rated options by enrollees. When using Original Medicare (Medicare Part A and Part B) benefits, there can still be out-of-pocket costs to cover. Humana Medigap plans help cover these expenses to help keep your healthcare costs low.

But because each Humana Medicare Supplement plan is standardized and offers the same benefits as other carriers, you may wonder how the company differs from other carriers. However, Humana stands out because of its exceptional customer service, low rate increases, attractive special perks for policyholders, and strong financial health as an organization.

There are ten-lettered Humana Medigap plans available, including two high-deductible options. This is important because not only is having a variety better for providing a personalized level of coverage, but not all plans are available to everyone on Medicare due to enrollment restrictions.

The three most popular Humana Medicare Supplement coverage options are the following:

  • Humana Medicare Supplement Plan F (Humana Plan F)
  • Humana Medicare Supplement Plan G (Humana Plan G)
  • Humana Medicare Supplement Plan N (Humana Plan N)

We’ll go into a bit more detail about each of them below, but it’s important to note that there are many other options. This includes Humana Medicare Supplement Plans A, B, C, K, L, High Deductible F, and High Deductible G.

Because of this wide selection, there are often viable options to fit a range of customers, but the right Humana Medigap plan for you depends on your personal healthcare and budget needs. This is why it’s important to compare costs and benefits when shopping for coverage.

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Humana Plan F

If you’re looking for the most comprehensive benefits available, then the Humana Medicare Supplement Plan F benefits are right for you. But there’s a significant catch: you must have been eligible for Original Medicare benefits before January 1, 2020, to enroll.

This policy change was implemented, causing newer Medicare beneficiaries to seek other options. But if you do qualify for coverage, a Humana Plan F offers more benefits than any of the 12 lettered plans available.

Here are what your Humana Plan F benefits will cover:

  • Medicare Part A deductible.
  • Medicare Part B deductible.
  • Medicare Part B excess charges in states that allow them.
  • Coverage for copayments and coinsurance for hospice care.
  • Foreign travel emergency benefits according to your plan’s limits.
  • Your plan is guaranteed renewable regardless of your health.

Because of the enrollment restrictions imposed on Humana Plan F, newly eligible Medicare beneficiaries are looking for alternatives. Fortunately, that’s where Humana Plan G comes in. Both are fantastic options, but it will depend on whether or not you qualify to determine which plan is right for your needs.

Humana Plan G

Humana Medicare Supplement Plan G is a coverage option that is growing in popularity for two core reasons:

  • It offers some of the most comprehensive benefits available.
  • Humana Plan F is not available to newly eligible Medicare beneficiaries.

Enrolling in Humana Plan G coverage is a great way for newly eligible Medicare beneficiaries to receive a comprehensive form of coverage and keep healthcare costs low.

The main difference is that while you’ll receive the same benefits as Humana Plan F, you won’t have coverage for your Medicare Part B deductible when enrolling in Humana Plan G. However, for many, the increased coverage provided by the supplemental benefits is far greater than the yearly deductible of $226 in 2023 or $240 in 2024.

Of course, both plans listed above are great options for those seeking a more comprehensive form of supplemental coverage. But if you’re looking to cut premium costs while remaining covered with many important benefits, alternative options may be your best bet.

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Humana Plan N

Having the most benefits will come with a higher price tag. This can be a challenge for some looking to keep monthly premium costs low, but Humana Medicare Supplement Plan N coverage creates a nice balance of benefits and coverage.

Both how you are covered and the price you pay are important components for anyone enrolling. Here are the expenses that Humana Plan N will cover:

  • Medicare Part A deductible.
  • Medicare Part A coinsurance.
  • Foreign travel emergency care benefits.
  • Medicare Part B 20% coinsurance, where you are still responsible for paying a $20 copayment at the doctor’s and $50 copayments for E.R. visits when not admitted.

So while you’ll receive fewer benefits, you’ll also receive your coverage at a lower cost while also receiving the same special perks that Humana clients have access to. Humana Plan N is a great option to cut costs and find the right fit for your needs. It’s best to compare coverage options with a licensed Medicare agent to determine which works for you.

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How Much Does Humana Medicare Supplement Cost per Month?

The monthly premium price for your Humana Medicare Supplement plan depends on multiple factors, including your age, the letter plan, whether or not you use tobacco, and your location. For example, the cost of a Humana Medigap Plan G in Florida will likely differ from a Medicare Supplement plan in Utah. Again, many factors go into this calculation, including the pricing method your state uses.

It’s also imperative that you enroll in your coverage during your Medicare Supplement Open Enrollment Period to secure the lowest premium possible. During this time, you don’t have to worry about answering medical underwriting questions and can receive the coverage you desire. But if you sign up for a Humana Medigap plan, or any carrier, outside of this period, you’ll have to answer underwriting questions and may be denied coverage or face higher rates as a result.

Below, we’re comparing the average costs you can expect to pay for your Humana Medicare Supplement plan across three different cities. For our methodology, we’re using Medicare’s Medigap policy finder to compare rates of both male and female beneficiaries that are 65 and 75 years of age. None are tobacco users:

Humana Medicare Supplement Premium in IA ZIP Code 50613 (Male)
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $252 $374
Medicare Supplement Plan G $232 $343
Medicare Supplement Plan N $164 $243
Humana Medicare Supplement Premium in IA ZIP Code 50613 (Female)
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $252 $345
Medicare Supplement Plan G $231 $317
Medicare Supplement Plan N $164 $225
Humana Medicare Supplement Premium in ZIP FL Code 33634 (Male)
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $236 $353
Medicare Supplement Plan G $206 $259
Medicare Supplement Plan N $165 $207
Humana Medicare Supplement Premium in ZIP FL Code 33634 (Female)
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $271 $338
Medicare Supplement Plan G $177 $248
Medicare Supplement Plan N $159 $198
Humana Medicare Supplement Premium in ZIP NY Code 10001 (Male)
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $484 $484
Medicare Supplement Plan G $458 $458
Medicare Supplement Plan N $324 $324
Humana Medicare Supplement Premium in ZIP NY Code 10001 (Female)
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $484 $484
Medicare Supplement Plan G $458 $458
Medicare Supplement Plan N $324 $324

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Humana Medicare Supplement Eligibility

In order to be eligible for a Humana Medicare Supplement plan, you’ll need to be eligible for Original Medicare. Humana supplement plans assist you after your Medicare Part A and Part B benefits cover your healthcare costs. Unfortunately, leftover out-of-pocket costs can remain, and your Humana Medigap coverage will help you with these expenses.

Therefore, you’ll need to be eligible for and enrolled in the Original Medicare program from the federal government before signing up for Humana Medicare Supplement plans. Ideally, this will occur during your Medicare Supplement Open Enrollment Period. While you can sign up whenever you’d like, you may be denied coverage outside of this time frame and face higher premiums if accepted.

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Humana Medicare Supplement Reviews

Since being founded in 1961, Humana began providing viable insurance coverage out of Louisville, Kentucky and continues to do so today at a high level. The company boasts high ratings such as a BBB accreditation of A+, an A.M. Best A- rating for financial strength, a stable outlook, and an S&P rating of BBB+.

Humana also receives rave reviews from our clients, and the current shift in the company should only improve its customer service. There is a dedicated focus to shift more and more into helping the Medicare sector for eligible beneficiaries. We are proud to work with top carriers such as Humana to consistently ensure our clients have the right benefits for their needs.

Humana Medicare Supplement Special Features

Medicare Supplement plan benefits are standardized nationwide by the federal government. This means Humana Medicare Supplement plans will provide the same level of benefits as the same letter-named plans of other carriers.

However, not all carriers are the same. Humana separates itself by offering its members additional benefits for enrolling in a policy through its company. Benefits for Humana policyholders include the following:

  • SilverSneakers membership for all policyholders
  • Up to 12% household discount in select areas
  • Go360 Wellness program
  • Seven days a week, customer service
  • MyHumana mobile application

It’s essential to take into consideration the many perks that your Medigap carrier will provide, as they can help you with convenience, improve your health, and even save money. Humana supplement plans are great options for the benefits they provide and the many perks policyholders can enjoy.

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Humana Medicare Supplement Rates and Increases

Your monthly premium is based on the Humana Medicare Supplement rates, which typically increase yearly. This is a common practice among all carriers as the cost of healthcare increases, but Humana works to maintain reasonable annual increases.

Usually, an average Humana rate increase is about 3% of your monthly premium. However, this can change from year to year and is at the insurance company’s discretion. When assessing a rate increase, remember that insurance companies simultaneously raise the premiums for entire states and that they are plan-specific.

This means you could see a Humana Medicare Supplement Plan F increase by 5%, Plan G by 4%, and Plan N by 3%. Sometimes, the rate will only go up a couple of dollars, while at other times, the rate increase may be more. Working with a licensed Medicare agent ensures you can access different options should rates become unfavorable for your needs.

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How to Compare Humana Medicare Supplement Plans

If you’re looking to compare Humana Medicare Supplement plans, we can help. No matter your needs, there are several Humana Medigap plans available, and it’s likely one that is right for you is available in your area. To review Humana Medicare Supplement coverage in your area, call the number above or complete our online rate form to explore options near you today!

Kayla Hopkins

Kayla Hopkins

Content Editor
Kayla Hopkins is an accomplished writer and Medicare guru serving as the Editor of MedicareFAQ.com. Upon completing her Communications degree from Ohio University, Kayla dedicated her time to understanding the ever-evolving landscape of healthcare. With her extensive background as a Licensed Insurance Agent, she brings a wealth of knowledge and expertise to her writing.
Ashlee Zareczny

Ashlee Zareczny

Compliance Manager
Ashlee Zareczny is the Compliance Manager for MedicareFAQ. As a licensed Medicare agent in all 50 states, she is dedicated to educating those eligible for Medicare by providing the necessary resources and tools. Additionally, Ashlee trains new and tenured Medicare agents on CMS compliance guidelines. Ashlee is a Medicare expert who specializes in Medicare Supplement, Medicare Advantage, and Medicare Part D education.

13 thoughts on "Humana Medicare Supplement Plans"

  1. I see some Humana Medi-gap policies have a Standard Premium and a Preferred Premium. What is the difference in the coverages on these? The Preferred is a lower rate but I can’t find anything that explains Standard versus Preferred.

    1. Hi Dennis! A preferred premium is when you enroll during your Medigap Open Enrollment Period and pre-existing conditions are not taken into account in regards to your monthly premium. Standard premium is when you enroll outside your Medigap OEP and have to go through medical underwriting. This is when some pre-existing conditions could increase your monthly premium.

  2. My husband just turned 65 and started his Medicare Part A and Part B coverage in April 2021. Our question is, if we choose a certain Medicap plan now, is he stuck with that company/plan for life? In what cases can you change Medigap policies? Deciding between Plan G, which is the most expensive, and other lower-cost plans. Right now, he hardly ever goes to the doctor, but that could change 10 or 15 years down the road. Don’t want to be stuck with a poor plan then….Thank you.

    1. Hi Robert! You can enroll and/or switch Medigap plans at any time of the year. The only caveat is once your 6-month open enrollment window has passed, you will have to answer health questions and go through medical underwriting to change plans. So, if your husband gets diagnosed with something serious in the future, he could be denied a Medigap plan at that time. Of course, he will be able to keep the plan he was already enrolled in as long as he continues to pay his premium.

  3. I am 75 y/o and my social security deductions on part B is $178.50 which is a big hit for a semi-disable person. Which companies are offering $95 or more back/month on part B deductions.

  4. I would like to know if I qualify for the part B reimbursement through my Humana Advantage,THANK YOU

  5. Shopping a Medicare supplement plan for my mom. 85, high blood pressure under control, diabetes. Would like quote on the F plan. She has very limited funds, so knowing what she will pay is better then copays, of having something to pay after a hospital stay or doctor appointment

    1. Hi Karen & Anna! Plan F is a first-dollar coverage plan that will protect your mom from any out of pocket expenses outside her monthly premium. Give us a call so we can see what carriers and rates are in her area and get her enrolled.

  6. Hi Lindsay, I admit, I don’t understand my insurance coverage. I’m now a widow and need help to understand what my coverage is. I’m 85 years old, and live alone. I have plan F. Could you explain to me, what I’m qualified for. I have no help and at time need help. I am also confused about my medication deductible. I would appreciate your help and advice. Thank you so much.

    1. Hi Nancy! Thank you for reaching out. I’m sorry that you’re going through a tough time at the moment. We’re more than happy to help you! The good news is, Plan F is a first-dollar coverage plan. This means you will pay zero out of pocket as you use your benefits at the hospital and doctor’s office. The only costs you’re responsible for is the monthly premium. You can see our Plan F benefits chart here. Regarding your medication deductible, this depends on what Part D plan you’re enrolled in. The max deductible amount is $445, but your deductible could be less, or even zero. You mentioned you have no help, but you need help. Is there something going on with your health or are you just looking for help regarding what benefits you have? Please give us a call, we can help you understand what your current benefits are.

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