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Humana Medicare Supplement Plans

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

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

Let’s review Humana’s top plan options to give you a better understanding of their coverage. We’ll also go over the experiences others had with Humana so you can learn about the values of Humana.

Humana Medicare Supplements Plans for 2021

Humana is known for their Medicare options. Coverage between states can vary.

For some, a Humana Medigap policy will be the most suitable. While others may find a Huaman Medicare Advantage plan makes the most sense. Further, some people may find they only want Part D through Humana.

The best Humana plan for you will depend on your situation and budget.

Let’s take a look at some of your options below so we can help you determine your ideal plan.

Humana Medicare Supplement Plan G

Plan G is currently the most popular Medigap plan because it gives you the best overall deal. It is common for Beneficiaries to save $250+ a year by selecting Plan G instead of Plan F.

In most cases, that savings is more than the cost of the Part B deductible. Meaning, it could be more financially responsible to choose Plan G than Plan F.

Humana Medicare Supplement Plan F

Plan F is the most comprehensive plan. When a beneficiary has Plan F, they have no out-of-pocket cost for hospital or doctors’ visits.

The premium is the set amount they pay each month. Many may find this is too much insurance. But, if Plan G in your area doesn’t provide significant savings, Plan F could be a sensible policy for a person that frequents the doctor.

Humana Medicare Supplement Plan N

You may consider Plan N suitable if you don’t go to the doctor often. It features small copays for the doctor and emergency room in exchange for a lower premium.

Plan N contains the basic benefits and Part A costs. Yet, it doesn’t cover the Part B deductible or any potential excess charges.

What does a Humana Medicare Supplement Really Cost?

Overall, the cost of Humana Medigap can range from $50 a month to $300 a month depending on the plan you choose.

The cost of Medigap varies more by the state than by carrier. Most top carriers have similar prices. Those prices are affected by location.

Further, you may pay more if you’re outside the Medigap Open Enrollment Period when you sign up. Also, Medigap can charge higher premiums to those with pre-existing conditions.

The best way to obtain an accurate quote is by using a professional insurance agent that specializes in Medicare.

Humana Medicare Supplement Plan Rate Increases

The cost of your supplement will increase every year. Usually, the rate increase is about 3% each year.

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

Sometime the rate will only go up a couple of dollars and other times the rates increase more. Working with an agent ensures you have access to different options when you need them.

Humana Medicare Supplement Plan Reviews

Based out of Kentucky, Humana has been in business for 58+ years and has a BBB rating of A+. AM Best, the standard for rating Medicare Supplement providers, gives Humana A- rating for financial strength.

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” to help encourage beneficiaries to stay active and rewards them for doing so.

Humana Medicare Advantage Plans

Humana is one of the leaders in the Medicare Advantage market. In some areas, Part C plans have options that lower Part B premium costs.

Many of these plans have a $0 premium. Further, they offer many Special Needs Plans to cater to those with chronic conditions.

Many Humana plans offer fitness programs such as SilverSneakers. Also, plans can include Part D, dental, and vision. Some of these benefits cost a small extra premium. Not all plans are available in all areas.

The Maximum Out of Pocket can range from $3,500 to $10,000 depending on the policy you choose.

Humana Medicare Advantage Reviews

92% of Humana Medicare Advantage members are in 4-star or higher plans. Over 99% of Humana’s group retiree Medicare Advantage plans have 4-star and above policies.

Humana Part D Preferred Pharmacy

The well-known Humana “Wal-Mart” plan gives a lower cost on prescriptions at Wal-Mart pharmacies or the mail-order program.

There are three basic Part D plans with Humana:

  • Humana Basic Rx Plan has a $435 deductible on brand drugs. This plan would be great for someone with a few generic scripts.
  • Humana Walmart Rx Plan offers a low monthly premium and low copays if you fill your prescriptions at Walmart or Sam’s Club.
  • The Humana Preferred Rx Plan has a low copay amount on prescriptions filled at Walmart or Sam’s Club and slightly higher copays on prescriptions filled at other network pharmacies.

Household Discounts with Humana

In some states, Humana does offer a discount for couples if they both enroll in a Medigap Plan. Discounts are not available for Part C or Part D plans.


Who pays first, Medicare or Humana?
If you have a Medicare Supplement, then Medicare pays first and Humana pays second. But, if you have an Advantage plan, then Medicare doesn’t cover you, Humana pays your claims.
How many Medicare members does Humana have?
Currently, Humana serves over 8.5 million Medicare members in all 50 states, Washington D.C, and Puerto Rico. 3.5 million of those members are in Advantage plans, the other 4 million have a Part D.
What is the difference between Humana and Medicare?
Medicare is the federal health insurance program available to those over 65 or on disability for at least 2 years. Humana is a private insurance company that offers Medicare products such as Medigap, Part C, and Part D.
Does Humana Medicare Advantage cover foreign travel?
Few Advantage policies cover overseas emergencies. But, there are some Medicare Advantage plans that do cover certain emergencies in specific situations. In most cases, it’s best to buy travel insurance or opt for a Medigap plan if you regularly travel abroad.

How to Compare Humana Medicare Plans

At MedicareFAQ, we can help guide you through the waters of Medicare and help you choose the plan that fits your needs.

Options will vary depending on your state. We are here to assist you in making a decision. Call us to find out if a Humana Medicare Supplement plan is right for you.

Don't delay this important decision. Call us today at the number above to get a free quote or fill out our online rate form.

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Lindsay Malzone

Lindsay Malzone is the Medicare expert for MedicareFAQ. She has been working in the Medicare industry since 2017. She is featured in many publications as well as writes regularly for other expert columns regarding Medicare. You can also find her over on our Medicare Channel on YouTube as well as contributing to our Medicare Community on Facebook.

12 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

  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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