Humana Medicare Supplement Review

Editor's Rating:

4.6 / 5

Medicare helps make healthcare for seniors more affordable, but Medicare only pays up to 80% of the costs. That extra 20% outside of regular Medicare benefits can place a heavy financial burden on seniors, which is why a Medicare supplement plan can be beneficial.

A Medicare supplement plan, also called a Medigap plan, from Humana can alleviate the worry about paying for healthcare costs and help seniors pay for medical expenses that Medicare does not cover. This provides peace of mind and financial assistance to those who need it most.

Humana Overview

Humana is a healthcare provider established in 1961 as a nursing company. Today, it is headquartered in Louisville, Kentucky, and is one of the main healthcare providers in the United States. The Better Business Bureau rates gives Humana an A+ rating for providing Medicare plans, as well as individual and group health insurance.

There are several types of Humana Medicare supplement plans offered by the company that provide additional coverage where Medicare Parts A and B cut off financial assistance. Each plan has different coverage options and costs that vary by state, so it is best to review each one to understand the differences and see which one is available for you or your loved ones.

Plan A

The first supplement plan is Plan A. The best way to think of this plan is as the base coverage available. If you do not intend to visit the doctor often or partake of many healthcare services throughout the year, this plan may be your best option. The plan includes covering costs for the following:

  • The first three pints of blood
  • Hospital coverage and coinsurance for Medicare Part A
  • Copayment or coinsurance for Medicare Part B
  • Copayment or coinsurance for hospice care

Plan B

Humana Medicare supplement Plan B is identical to Plan A apart from the fact that it also covers the deductible for Medicare Part A. In short, this plan provides additional coverage in the event you need hospitalization. That way, you can receive the care you need without worrying about additional costs not covered by your Medicare plan.

Plan C

 This plan includes the same offerings of Plans A and B, but it also covers the cost of coinsurance for a skilled nursing care facility, the deductible for Medicare Part B and healthcare coverage for when you are out of the country. If you know you will be spending time at the hospital or doctor visits throughout the year, this plan may be what you are looking for.

Plan F

Humana Medicare Supplement Plan F is the most comprehensive and popular plan offered by Humana. This plan features the same coverage as Plans A, B and C, but it also covers excess charges for Medicare Part B. It is also the most expensive plan available because of the coverage it provides. If you are looking for the most coverage for your healthcare needs, Plan F may be the best option.

Plan G

Plan G offers the same coverage as Plans A and B, as well as some additional benefits. The costs for care in a skilled nursing facility are covered, as well as excess charges for Medicare Part B and foreign travel healthcare emergencies. This plan does not cover the Medicare Part B deductible. That being said, it provides more than the basic coverage for individuals who need more assistance.

Plan K

If you are looking for coverage with a lower premium, then Plan K is for you. It is different from the other plans discussed so far in that it covers a percentage of the costs rather than the full amount. Just as with the other plans, it pays for hospital coverage and the coinsurance for Medicare Part A. From there, the plan pays 50% of the following expenses:

  • The deductible for Medicare Part A
  • Copayment or coinsurance for Medicare Part B
  • Coinsurance for care in a skilled nursing facility
  • Copayment or coinsurance for hospice care
  • The first three pints of blood

Plan L  

Plan L is similar to Plan K in that it covers a percentage of healthcare costs after Medicare’s portion. It also features lower premiums and lower out-of-pocket expenses for you. However, instead of covering 50% of the additional costs, this plan covers 75% of the expenses listed under Plan K. If you want all the benefits of Plan K but with more coverage, this is the solution.

Plan N

 This is the only plan offered by Humana that does not cover copay expenses. You are responsible for paying $50 for an ER copay and $20 for office visits. Plan N features the same coverage as Plan F, with the exception of the excess charges and deductible for Medicare Part B.

Not Covered by Humana Supplement Plans

In general, there are certain features the Humana Medicare supplement plans do not cover. These include hearing aids, vision and dental care, prescription drugs, private nursing care and long-term care.

The Humana Difference

Choosing a Medicare supplement plan with Humana means taking control of your healthcare coverage. It also means you can enjoy additional benefits offered by Humana, such as special discounts and access to a 24/7 nursing line. If you are at least 65 years old and need additional healthcare coverage not offered by Medicare Parts A and B, then Humana is an excellent choice.

Finding a supplement plan based on your location is simple. You can visit the Humana website and type in your zip code, which will bring up the plans available to you. From there, it is up to you to decide the coverage level you need and to compare plans to see which one works best for you. Once you have decided, you can purchase your coverage online for added convenience.

Additional Medicare Coverage for Seniors

Seniors should not have to worry about healthcare costs. Humana Medicare supplement plans offer seniors a way to cover more medical expenses that are left uncovered by Medicare. If you or your loved ones need financial assistance outside of Medicare, then one of plans detailed above may be the best option to satisfy your healthcare needs.

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