Humana Medicare Supplement Plans

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Humana Medicare Supplement PlansHumana is one of the largest medical providers with a diverse line of insurance serving many types of consumers.

Empowering their members to lead healthy and active lives is just one of the many Humana perks. This is a company that truly cares about their clients.

Humana Medicare Supplement Plans

As mentioned before, Humana provides many insurance types. Although, this company is known for their Medicare options.

Coverage offers from state to state can vary; it’s recommended to work with a licensed insurance broker to verify the plan options that are available in your area.

Medicare Supplement Plans, otherwise known as Medigap, must cover all the basic benefits, including:

  • Part A hospital coinsurance
  • Medicare Part A supplemental hospital care (additional 365 days after Medicare benefits end)
  • Part A coinsurance for hospice care
  • Part B coinsurance for hospital outpatient services (generally 20% of Medicare-approved costs)
  • First 3 pints of blood each year

Humana Plan A

Plan A is the most basic of all the Medigap Plans. This beneficial for Medicare Beneficiaries that want a little more protection than Original Medicare, but don’t intend to utilize healthcare services often.

Medicare Supplement Plan A covers the required Medicare Supplement benefits from above as well as the Part B coinsurance for hospital outpatient services.

Humana Plan B

Plan B is another less common plan that beneficiaries that do not plan on utilizing healthcare benefits elect, however it gives stronger coverage than Medigap Plan A.

It covers the same benefits as Plan A and the Part A hospital deductible for inpatient services.

Humana Plan C

Plan C will provide a Medicare Beneficiary with the basic benefits as well as additional benefits to keep out of pocket exposure low.

Although, it should be known that Plan C is being discontinued as of 2020 as part of the Medicare and Chip Re-authorization Act (MACRA).

Plan C is a popular choice for beneficiaries that reside in states that don’t allow providers to bill excess charges.

Plan C gives beneficiaries the basic Medigap benefits along with:

  • Part A hospital deductible for inpatient services
  • Skilled nursing facility coinsurance (for days 21 – 100)
  • Part B deductible for qualified medical and hospital services, generally for outpatient services
  • Foreign travel medical emergency coverage

Humana Plan D

Plan D is another Medigap plan that is popular states that don’t allow providers to bill for excess charges. It contains the basic benefits as well as additional coverage like Plan C.

The only difference between Plan C and Plan D is that it does not cover the Medicare Part B deductible.

Plan D’s additional Medigap benefits are:

  • Part A hospital deductible for inpatient services
  • Skilled nursing facility coinsurance (for days 21 – 100)
  • Foreign travel medical emergency coverage

Humana Medicare Supplement Plan F

Plan F is the most comprehensive Medicare Supplement Plan offered today. The difference between plan C and Plan F is that Plan F will cover the excess charges to Medicare-approved amounts.

When a Medicare Beneficiary is enrolled into a Plan F, they have no out-of-pocket cost for any Medicare-approved hospital or doctors’ office visits.

The benefits of Medigap Plan F include the basic Medigap benefits, including:

  • Part A hospital deductible for inpatient services
  • Skilled nursing facility coinsurance (for days 21 – 100)
  • Part B deductible for qualified medical and hospital services, generally for outpatient services
  • Part B excess charges benefit for charges exceeding the normal Part B limit
  • Foreign travel medical emergency coverage

Humana Plan HDF

Plan HDF is a variation of the traditional Plan F with one difference, the beneficiary must reach a large deductible. Once this is met it works identically to the Plan F for the remainder of the year.

The deductible is the reason for low premiums. This plan is a favorite for savvy beneficiaries with a savings account to cover a few thousand dollars stashed away in case of an emergency.

Humana Medicare Supplement Plan G

Plan G is currently the most popular Medigap plan because it gives you the most coverage for the lowest price.

It, Like the Plan D to the Plan C, is identical to Plan F except it does not cover the Part B Medicare deductible.

It does cover:

  • Part A hospital deductible for inpatient services
  • Skilled nursing facility coinsurance (for days 21 – 100)
  • Part B excess charges benefit for charges exceeding the normal Part B limit
  • Foreign travel medical emergency coverage

It is common for Medicare Beneficiaries to save $250+ a year by selecting the Plan G instead of the Plan F, and they receive essentially the same coverage

Humana Plan M

Plan M is not a widely chosen plan. Medicare Beneficiaries that are not concerned about inpatient hospitalization can choose this plan and still maintain good medical coverage.

Plan M contains the basic benefits and additional coverage for hospitalization, including:

  • 50% of part A hospital deductible for inpatient services
  • Skilled nursing facility coinsurance (for days 21-100)
  • Foreign travel medical emergency coverage

Humana Plan K

Plan K is one of the less chosen plans. Medicare Beneficiaries that are more concerned with monthly premium than comprehensive coverage can benefit from this plan.

This Medigap plan does not cover the Medicare Part B deductible. Plan K covers all the basic Medicare Benefits as well as the additional coverage benefits at 50% of the amounts left over after Medicare pays their portion.

Plan K additionally has an annual maximum out of pocket to limit the amount that a beneficiary would have to pay out of pocket for services over the course of the year.

Humana Plan L

Plan L works the same as plan K but covers a little bit better. It will cover the basic benefits of Medicare and pays 75% of the additional benefits such as the Part A deductible.

You are responsible for the Medicare Part B deductible. Like the Plan K, the Plan L has a maximum out of pocket also.

Humana Medicare Supplement Plan N

Plan N is considered the most affordable plan option by most Medicare Beneficiaries if they do not go to the doctor often. It features co-pays for the doctor and emergency room, it is one of the most popular choices for savvy beneficiaries.

Plan N contains the basic benefits and additional coverage for hospitalization but doesn’t cover the Medicare Part B deductible.

It does cover:

  • Part A coinsurance (generally 20% of Medicare-approved costs) for hospital outpatient services
  • Part B hospital deductible for inpatient services after a $50 co-payment ER and/or a $20 co-payment for a doctor’s office visit
  • Skilled nursing facility coinsurance (for days 21-100)
  • Foreign travel medical emergency coverage

Humana Rate Increases

An agent that tells you the cost of your supplement won’t go up is lying. The cost of your supplement will increase every year because of your age alone. Generally, the rate increase is about 3% each year.

Additionally, insurance companies increase the rate for entire states all at once. These statewide rate increases are plan-specific; so, Humana could increase Plan F by 5%, Plan G by 4%, and Plan N by 3%.

State-wide rate increases will apply to anyone on that specific plan. Sometime the rate will only go up a couple of dollars and other times the rates could increase more.

Working with an insurance broker ensures you have access to different coverage options annually.

Humana Medicare Advantage Plans

Humana is one of the leaders in the Medicare Advantage market. They have competitive Medicare Advantage plans nationwide.

In some areas, their Medicare Advantage plans have options that will reduce the amount you pay for your Medicare Part B Premium.

Humana Medicare Providers

Staying in a network can be a pain; however, Humana Medicare Advantage providers can be found using the online tool. Also, those with Humana coverage can locate a doctor by calling the number on the back of the insurance card.

Beneficiaries with Humana Medigap can see any provider that accepts Medicare.

Medicare Part D Plans offered by Humana

Humana has been one of the leaders in the Medicare Part D market for several years.

They offer the well-known Humana “Wal-Mart” plan that gives a preferred cost on prescriptions when beneficiaries use Wal-Mart pharmacies and have a great mail-order program as well.

Household Discount with Humana

Many companies offer discounts if the beneficiary and spouse are both enrolling with the same company.

In some states, Humana does offer a discount for both the beneficiary and their spouse if they both enroll in a Medigap Plan with Humana.

Humana Providers

Humana Medigap plans do not confine a beneficiary to a network, the beneficiary can go to any doctor that takes Original Medicare, both for primary and specialists, and there is no referral needed for specialists.

More than 90% of doctors in the United States take Original Medicare. However, keep in mind if you choose a Medicare Advantage Plan you will be confined to a network.

Humana does, however, have a vast network of doctor and hospital providers that are in-network for their Medicare Advantage plans.

Humana Medigap Reviews

Based out of Kentucky, Humana has been in business for 58+ years and has a BBB rating of A+.

This is a company with many programs to encourage healthy living as well as offering programs to help beneficiaries stay healthy and active.

They have created programs such as “Go365” help encourage beneficiaries to stay active and rewards them for doing so.

Humana Carrier Ratings

AM Best, the standard for rating Medicare Supplement providers, gives Humana A- rating for financial strength. Then means a beneficiary should be confident they will pay the claims on time.

Humana Medicare Plans Through MedicareFAQ

At Medicarefaq we can help guide you through the waters of Medicare and provide the educational information needed to help you choose the Medigap Plan that fits your needs and situation.

Carrier options, as well as plans, will vary depending on your residential state. We are here to assist you with the proper information needed to make the decision.

Additional Products that are offered through Humana include:

  • Individual Insurance
  • Family Coverage
  • Dental Insurance
  • Vision Insurance

Don’t delay this important decision and risk developing something that could deny you the chance to receive the best medical coverage. Call us today to get a free quote or fill out our online form here.