Humana Medicare Supplement Plan Reviews

Humana Medicare Supplement Pros and Cons

Finding the Right Humana Medigap Plan for Your Needs

Our analysis shows that Humana’s eight Medigap plans offer more options than many competitors, such as Cigna, which offers only four plans in most areas. Let’s explore which of Humana’s available plans might best suit different healthcare needs and preferences.

Basic Coverage for Essential Protection

Our research indicates that Plans A and B could be appropriate for those seeking minimal supplemental coverage at a lower cost. Plan A is the most basic option, covering core benefits like Part A coinsurance, hospice care coinsurance, and Part B coinsurance. Plan B adds coverage for the Medicare Part A deductible, offering slightly more protection against hospitalization costs.

Our analysis suggests that with these plans, you are responsible for skilled nursing facility coinsurance and Part B deductibles. They do, however, provide essential protection against potentially high coinsurance costs for hospital and medical services.

Cost-Sharing Plans for Budget-Conscious Beneficiaries

Plans K and L feature lower monthly premiums in exchange for cost-sharing responsibilities. Our review of plan benefits shows that Plan K covers 50 percent of most benefits (except Part A hospitalization coinsurance), while Plan L covers 75 percent.

The distinguishing feature we identified in these plans is their out-of-pocket limits ($7,220 for Plan K and $3,610 for Plan L in 2025). Once you reach these limits, the plan pays 100 percent of covered services for the remainder of the year, providing catastrophic protection that basic Plans A and B don’t offer. Our research indicates these plans may be particularly suitable for seniors on fixed or low incomes who want to balance premium affordability with catastrophic protection.

Balanced Coverage With Predictable Costs

Analyzing premium structures and coverage levels, we found that Plan N presents an effective middle ground. This plan features moderate monthly premiums while covering 100 percent of most benefits. According to our review, you’ll pay up to $20 for certain office visits and up to $50 for emergency room visits that don’t result in hospital admission. You’ll also be responsible for any excess charges when providers bill above Medicare-approved amounts.

Our comparative analysis revealed Plan N is particularly popular among beneficiaries who want substantial coverage without the premium costs of Plans F or G.

International Coverage for Frequent Travelers

Our examination of Humana’s plans revealed that Plans C, F, G, and N include emergency benefits for foreign travel. This coverage applies to medically necessary emergency care outside the United States during the first 60 days of a trip. Based on our analysis of plan documents, these plans pay 80 percent of emergency care costs after you meet a $250 yearly deductible (up to plan limits).

Comprehensive Coverage With Plans F and G

Our research indicates that Plans F and G are Humana’s premier options for those seeking the most robust protection. Plan F (available only to beneficiaries eligible for Medicare before 2020) covers all Medicare gaps, including the Part B deductible and excess charges. Plan G offers identical benefits except for the Part B deductible.

When evaluating value propositions, we found Plan G often represents better overall value, as its premium savings compared to Plan F typically exceed the annual Part B deductible amount. Humana offers high-deductible versions of both plans in some markets, featuring significantly lower premiums but requiring you to pay a deductible ($2,870 in 2025) before coverage begins.

Understanding Humana Medigap Plan Costs

Based on our research, Humana’s Medicare Supplement premiums vary significantly depending on your geographic location, age, gender, and the specific plan you select.

When comparing Medigap providers, we discovered that premium differences represent the primary distinction between companies offering the same standardized plans. During our conversations with Medicare specialists, they emphasized the importance of comparison shopping and considering additional value factors beyond the monthly premium.

Humana offers a 5 percent household premium discount — somewhat lower than the industry average. Additionally, Humana provides a 6 percent discount for online enrollment in most states (but not in California, Connecticut, Ohio, or Pennsylvania) and a $2 monthly discount for automatic payments. For comparison, our research of competitors showed that household discount rates range from as low as 5 percent to as high as 14 percent, with Mutual of Omaha offering one of the highest discounts at 12 percent.

Based on quotes we gathered during our research for a 65-year-old in a midwestern metropolitan area, Humana’s premiums typically run 40 percent to 50 percent higher than the lowest-cost alternatives for identical plans. However, our analysis shows that their discount programs can substantially narrow this gap for eligible applicants.

According to a 2023 study by the American Association for Medicare Supplement Insurance, Medigap premiums can vary by hundreds of dollars between insurers for the exact same coverage in a given area, highlighting the importance of comparing multiple companies.

Sample Premium Ranges

Based on quotes we gathered during our research, here’s an example of Humana’s pricing structure for a 65-year-old nonsmoking individual in a midwestern metropolitan area:

*Premium ranges shown before any applicable discounts

Our comprehensive review of Humana’s pricing across multiple markets indicates their premiums tend to be higher than those of many competitors. For example, in our sample quotes, Humana’s Plan G premiums were typically about 46 percent higher than the lowest-priced alternative in the same area, and Plan N premiums were approximately 48 percent higher. However, their discount programs can significantly reduce these amounts for eligible applicants.

Enrolling in a Humana Medicare Supplement Plan

Our evaluation of Humana’s enrollment process revealed several noteworthy aspects. Most significantly, Humana offers a 6 percent premium discount for online applications in most states. For comparison, our analysis of competitors found that Cigna’s online enrollment discount is just 5 percent, and some providers offer no digital enrollment incentive.

In our review of customer support options, we found that Humana’s dedicated agents provide telephone assistance from 8 a.m. to 8 p.m., seven days a week. Unlike some competitors such as State Farm, however, Humana doesn’t offer in-person agent consultations, which may be important for seniors who prefer face-to-face guidance.

Based on our examination of the enrollment process, here’s a streamlined guide to applying for Humana Medicare Supplement coverage:

1. Begin by visiting Humana’s Medicare Supplement website. Their digital platform requires you to enter your ZIP code first to determine available plans in your area, followed by basic demographic information.
2. After you enter your information, the system will display eligible plans for your location with side-by-side comparisons. We recommend carefully reviewing each option’s coverage details and premium costs.
3. Before proceeding further, have your Medicare card on hand. During our process review, we found you’ll need to provide specific Medicare effective dates to continue.
4. Next, you’ll answer qualifying questions that our research indicates are designed to determine eligibility and appropriate rate classification. These questions appeared comprehensive while remaining navigable.
5. If you decide to proceed with Humana, the rest of your application can be completed online. Humana’s payment options are flexible and include automatic bank drafts or credit card payments, with a $2 monthly discount available for automatic payment enrollment.

Comparing Humana to Other Medigap Providers

Our comprehensive analysis of Medicare Supplement providers revealed significant differences in plan offerings, pricing structures, and additional benefits. When comparing Humana with major competitors, we discovered several vital distinctions that might influence your choice.

Humana and Cigna: Contrasting Approaches

While both companies offer competitive online enrollment discounts (6 percent for Humana versus 5 percent for Cigna), our research revealed substantial differences in plan variety and supplemental benefits. The most significant distinction we identified was in plan selection: Humana provides up to eight different Medigap plans depending on your location, twice as many as Cigna.

Additionally, our evaluation of supplemental benefits found that Humana includes SilverSneakers fitness membership at no additional cost, a valuable wellness benefit that Cigna doesn’t offer. However, Cigna’s 7 percent household discount exceeds Humana’s 5 percent discount.

Humana Versus Aetna: Pricing and Coverage Comparison

Our comparative research suggests that Aetna’s Medicare Supplement plans have different discount structures and geographical availability. The company offers seven Medigap plans compared to Humana’s eight, and Aetna provides a more generous household discount (7 percent versus Humana’s 5 percent).

One notable distinction our research uncovered is that Humana offers plans in all 50 states. In contrast, Aetna doesn’t provide coverage in Alaska, Connecticut, Hawaii, Maine, Massachusetts, New York, Washington State, or Washington D.C. During our evaluation of premium structures, we found both companies typically charge higher-than-average base rates for Medigap plans but offset these with various discount opportunities.

Humana Compared to Mutual of Omaha: Premium Stability and Discounts

Mutual of Omaha offers more favorable household discounts and potentially more stable premium structures. They offer subscribers a household discount of up to 12 percent — more than double Humana’s 5 percent discount.

A significant distinction between the insurance companies concerns premium stability. Mutual of Omaha offers more community-rated plans (where premiums don’t increase based on age) compared to Humana’s predominant use of attained-age pricing. This could represent meaningful savings over time despite potentially higher initial costs.

Additional Benefits

Medicare Supplement plans offer standardized core benefits regardless of the insurer, but our investigation into Humana’s supplemental offerings uncovered several distinguishing features. Although these extras don’t alter the fundamental Medigap coverage, our analysis suggests they may enhance overall value for members.

SilverSneakers Fitness Program

Humana’s supplemental benefits include a SilverSneakers fitness membership at no additional cost, a significant value-add compared to many competitors. Based on our analysis, participants have access to over 15,000 participating fitness locations nationwide, including specialized classes designed for seniors.

Our comparative research of similar programs suggests many competitors either charge extra for fitness benefits or don’t offer them at all. The National Institute on Aging notes that regular exercise can help seniors manage common chronic conditions, making this benefit particularly valuable for Medicare beneficiaries who prioritize preventive health care, such as seniors with diabetes or other chronic conditions.

Wellness Discount Program

Humana’s wellness discount program gives members access to reduced rates on various health-related services and products. Based on our analysis, participants can save on vision care, hearing aids and services, prescription medications, and alternative treatments.

When evaluating similar offerings across the Medicare Supplement market, we found Humana’s approach comparable to discount programs from companies like UnitedHealthcare’s AARP Medigap plans. Humana’s wellness discounts were somewhat less comprehensive than premium membership programs like those offered by Medicare Advantage plans, however.

Around-the-Clock Health Consultation Access

Our evaluation of Humana’s support services suggests that their 24/7 nurse advice line is a particularly valuable feature. This service connects members with registered nurses who, based on our research, can provide clinical guidance, answer health questions, and help determine appropriate levels of care.

Humana’s support services are comparable to that of industry leaders, such as Cigna. Our assessment suggests that this service provides substantial practical value and potential peace of mind for members with health questions outside normal business hours.

Evaluating Humana’s Customer Service Experience

Humana offers subscribers multiple contact channels for help, but we identified some potential concerns regarding customer satisfaction. In our research of regulatory data from the National Association of Insurance Commissioners, we discovered Humana’s Medicare Supplement plans generate approximately three times more customer complaints relative to their market share than the industry average. This finding suggests possible challenges with claims processing, billing accuracy, or policy administration.

Humana Medicare Supplement members have several ways to access assistance:

• Telephone support via dedicated numbers (8 a.m. to 8 p.m., seven days a week)
• Digital account management through Humana’s online portal
• Mobile device access via Humana’s smartphone application
• Email support for nonurgent inquiries

Our comparative evaluation of service accessibility across Medicare Supplement providers found that Humana’s digital tools exceed industry standards; their mobile app, for example, offers comprehensive account management features that many competitors lack. However, our research identified limited in-person support options compared to insurers with dedicated local agents. This puts seniors who prefer face-to-face assistance with complex insurance matters at a potential disadvantage.

Humana Medicare Supplement Service Area

Humana offers Medicare Supplement Insurance plans in all 50 states, Washington, D.C., and Puerto Rico, providing exceptional geographical coverage compared to many competitors. This puts Humana ahead of companies like Aetna, which doesn’t offer plans in eight states, and on par with UnitedHealthcare/AARP’s nationwide presence.

According to recent data, Humana serves a significant number of Medicare Supplement Insurance beneficiaries, with approximately a 2.1 percent share of the total Medigap market. This positions the company as a midsized player in the Medicare Supplement space, with a broader reach than many regional insurers.

While Humana maintains a nationwide presence, our analysis of service availability revealed that plan options vary considerably by location. Humana doesn’t offer all eight of their plan types in every ZIP code, meaning the specific Medigap options available to you may vary.

Assessing Humana’s Financial Stability

Our analysis of Humana’s financial foundation reveals important considerations for prospective Medicare Supplement policyholders. Since Medigap plans represent a long-term financial relationship, our research team prioritized evaluating Humana’s ability to reliably meet future claim obligations.

Our examination of corporate financial indicators identified several key insights:

• Corporate Scale and Resources: Humana maintains a strong position as one of the nation’s largest health insurers, demonstrating substantial financial capacity and business stability.
• Medical Loss Ratio Performance: During our investigation of regulatory filings, we discovered Humana directs approximately 82 percent of Medigap premium dollars toward member benefits. This is slightly below the industry average of 83.9 percent but well above the 60 percent minimum required by law.
• Broader Market Positioning: Humana serves a substantial customer base across diverse insurance product lines, including Medicare Advantage and Medicare Part D plans. This suggests robust overall business operations and reduced vulnerability to segment-specific challenges.

Our comparative assessment of premium utilization efficiency revealed that while Humana’s benefit spending ratio lags somewhat behind industry leaders, it significantly exceeds regulatory minimums. This means Humana offers adequate — though not industry-leading — value in terms of premium dollars returned as benefits.

As with any insurance decision, we recommend considering multiple factors beyond financial metrics. Be sure to take into account plan availability in your area, premium costs, customer service quality, and supplemental benefits when deciding whether Humana is the right Medigap choice for your specific needs.

>> Read More: Humana Medicare Advantage Review

Conclusion

After thoroughly researching Humana’s Medicare Supplement Insurance plans, we found them to offer exceptional plan variety and valuable wellness benefits at premium prices that run higher than many competitors. Their strongest features include the availability of eight different standardized plans in many markets, the inclusion of SilverSneakers fitness membership at no additional cost, and a user-friendly online enrollment process with a 6 percent discount incentive.

Humana’s primary limitations include significantly higher base premiums compared to the lowest-cost alternatives (typically 40 percent to 50 percent higher in our sample quotes), a below-average household discount (5 percent versus competitors offering up to 12 percent), and a complaint rate of approximately three times the industry average, suggesting potential customer satisfaction challenges.

For beneficiaries prioritizing plan selection flexibility and wellness benefits, Humana represents a solid choice, particularly for those who qualify for multiple discount opportunities. Their nationwide availability ensures accessibility regardless of location, although specific plan options vary by ZIP code.

In our analysis, Humana’s Medigap Plan G emerged as their standout offering. It provides comprehensive coverage at a premium that often represents better long-term value than Humana’s Plan F option. For budget-conscious beneficiaries, Plans K or N provide meaningful protection with lower monthly costs.

While Humana’s higher premium structure may initially seem disadvantageous, we recommend calculating total costs, including their discount opportunities, before making a final decision. For many beneficiaries, the combination of extensive plan options, valuable supplemental benefits, and user-friendly digital tools may justify the higher premium compared to lower-cost alternatives with fewer features.