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August 5, 2021
Humana, the third-largest health insurer in the country, is one of the most popular options for Medigap plans. With its combination of friendly customer service, simplified coverage, and some generous extra perks for policyholders, Humana is a great way to supplement your existing Medicare coverage.
Medigap guide: To learn about all things related to Medigap—from enrollment periods to types of coverage—take a look at my comprehensive guide to Medigap.
Humana began as a nursing home company called Extendicare in 1961, and changed its name in 1974 when it began opening hospitals. Based in Louisville, Ky., Humana is now one of the largest health insurance providers in the United States. It offers a wide range of services, including Medicare-related plans, dental plans, and group life insurance.
Medicare Part B: Medigap plans require that the premium on Medicare Part B be paid before enrollment.
For Medicare-eligible individuals, Humana offers a range of Medigap plans. Not all plans are offered in every state, and premiums vary based on location and age. Humana also offers two versions of every Medigap policy it sells:
| Plan A | Plan B | Plan C | Plan F | Plan F High Deductible | Plan G | Plan K | Plan L | Plan N | |
|---|---|---|---|---|---|---|---|---|---|
| Medicare Part A coinsurance and coverage for hospital benefits | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | $20 copay for office visits; $50 copay for ER |
| Medicare Part B coinsurance or copayment | 100% | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 100% |
| Blood (first three pints) | 100% | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 100% |
| Hospice care coinsurance or copayment | 100% | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 100% |
| Skilled nursing facility care coinsurance | No | No | 100% | 100% | 100% | 100% | 50% | 75% | 100% |
| Medicare Part A deductible | No | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 100% |
| Medicare Part B deductible | No | No | 100% | 100% | 100% | No | No | No | No |
| Medicare Part B excess charges | No | No | No | 100% | 100% | 100% | No | No | No |
| Foreign travel emergency (up to plan limits) | No | No | 80% | 80% | 80% | 80% | No | No | No |
In addition to medical coverage, Humana offers its policyholders extra benefits that vary by location. Some will help you save money, and some will help you maintain your overall health.
This 24/7 hotline offers round-the-clock access to registered nurses who can answer questions related to your health and your coverage. The service is not intended for emergencies, but it can help you navigate the complicated world of American health care.
Some subscribers may be eligible for free or discounted access to a medical alert system from Lifeline, one of the top devices in the industry.
This program offers discounts on hearing and vision care, prescription glasses, hearing aids, medications, fitness programs, supplements, and even massage therapy.
Humana also has an app (called MyHumana) available through the App Store for iOS and Google Play for Android. On the app, you are able to keep track of your deductibles and claims, view your plan details and medical ID cards, locate hospitals and urgent-care centers in a given ZIP code, and find health-care providers by specialty. MyHumana also allows you to share your Medigap coverage information and ID cards with your doctors via fax.
Humana Pharmacy: Humana also offers Humana Pharmacy, a mobile app that allows you to refill and track your prescription medications.
The cost of a Humana Medigap Plan will vary based on your age, gender, location, and tobacco use, but here is an estimate of what you can expect to pay for each plan:
| Humana Medigap Plan | Estimated Monthly Premium* |
|---|---|
| A | $116 |
| B | $126 |
| C | $145 |
| F | $153 |
| G | $123 |
| K | $69 |
| L | $97 |
| N | $97 |
*Pricing estimates based on a female customer living in Kentucky. Prices will vary based on age, location, and other health factors.
The first step in applying for a Humana Medigap Plan is to visit Humana’s Medicare Supplement Plans website. The site is easy to navigate, and I was able to view a breakdown of the plans by following a few simple steps.
First, it asks for your ZIP code. The site then directs you to a page asking for additional information: gender, date of birth, Medicare Part A and B coverage, and the intended start date for Medigap coverage. Clicking the Compare Rates button will bring you to a page listing every Medigap plan available in your state, including specific coverage and monthly premiums.
The Humana site has a nice feature that allows you to compare up to three plans. Selecting the plans will take you to a page laying them out side by side in an intuitive, easy-to-understand way.
To enroll in one of these Medigap Plans, licensed agents are available by phone from 8 a.m. to 8 p.m. daily. The Humana website also has a chat feature for tech-savvy individuals to request additional information.
Humana offers solid coverage and a great online experience, but we have a few other favorite Medigap providers. Providers such as Aetna offer nationwide coverage, and broad insurance companies such as State Farm allow you to bundle Medigap with other types of insurance. If you’re shopping around for Medigap providers, here are some other options to consider:
Medigap providers: To learn more about my favorite Medicare supplement plans, check out my rundown of this year’s best Medigap providers.
With an impressive range of plans, coverage in every state, and a boatload of extra perks for subscribers, Humana is a great choice for Medigap insurance. It may not offer the most affordable premiums, but the added benefits and solid coverage can likely make up the difference.
Humana offers Medigap Plans A, B, C, F, G, K, L, and N. It also offers a high-deductible Plan F. To determine which plan is right for you, contact a representative who can help you assess your potential health-care costs and needs.
Those who are at least 65 years old, enrolled in Original Medicare Parts A and B, and live in a state where Humana offers Medigap coverage are eligible to apply for these plans.
Humana offers a high-deductible Medigap Plan F, which means a higher deductible must be met before the Medigap plan coverage kicks in. It does, however, result in lower monthly premiums.
Yes, Humana’s Medigap Plans C, F, G, and N cover a percentage of the cost of health-care services needed outside the United States.
Prescription-drug costs are covered under Medicare Part D and are not included in Humana’s Medigap plans.
