What Medicare Supplement Plans Does Humana Offer?

Last Updated : 11/07/20197 min read

Many Original Medicare beneficiaries enroll in Medicare Supplement policies, also called Medigap plans, to help cover certain medical expenses not covered by Original Medicare. Depending on the specific policy, these plans can offer more predictability in health-care costs by covering copayment and coinsurance costs for certain services and offering benefits that bridge the gap between what Original Medicare covers and what you pay out of pocket.

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Depending on the plan type, this may include certain cost-sharing expenses, emergency overseas coverage, and caps on annual out-of-pocket spending for Medicare-covered services.

If you are interested in a Medicare Supplement policy, Humana offers several different plans for qualifying individuals. Below is a summary of the available options.

Overview of Medicare Supplement plans available from Humana

In all but three states (Wisconsin, Massachusetts, and Minnesota), Medicare Supplement plans are organized into 10 plan types, labeled A through N. Even though Medicare Supplement policies are provided by private insurance companies such as Humana, each plan letter type must offer the same standardized coverage. In other words, you’ll get the same basic benefits for any Plan A, for example offered in your service area, regardless which insurance company you purchase from (although costs may vary for this coverage). Note that some companies may offer additional innovative benefits.

Medicare Supplement plans – whether offered by Humana or another insurance company – aren’t meant to replace Original Medicare. You’ll still get your hospital and medical care through Original Medicare, and you’ll need to remain enrolled in Part A and Part B to be eligible for Medicare Supplement coverage. Policyholders are required to pay an additional monthly premium for the Medicare Supplement plan, and benefits are limited to services covered by Medicare. For example, Medicare Supplement policies typically do not cover:

  • Vision and dental care
  • Private duty nursing
  • Hearing aids or hearing services

In addition, Medicare Supplement plans do not cover prescription drugs. If you did not sign up for Medicare Part D, you may also want to enroll in a stand-alone Medicare Part D Prescription Drug Plan from Humana to help with your medication costs in Original Medicare.

Medicare Supplement Plan A

This is the most basic Medicare Supplement plan, covering coinsurance costs for Part A hospital care (once applicable deductibles are met) for an extra 365 days of coverage beyond Medicare coverage. In addition, Plan A covers Part B coinsurance and/or copayment costs, the first three pints of blood used per year, and the Part A coinsurance/copayment for hospice care.

Medicare Supplement Plan B

Medicare Supplement Plan B provides all the coverage of Plan A and also covers the Part A deductible. In general, Medicare Supplement Plan A and Plan B have the lowest monthly premiums.

Medicare Supplement Plan C

These plans offer the same benefits of Plan B and also cover:

  • Part B deductible
  • Skilled nursing care coinsurance
  • Emergency health care when overseas (up to plan limits)

Medicare Supplement Plan F

Medicare Supplement Plan F is the most comprehensive Medicare Supplement plan, covering the same benefits as Plan C, as well as Part B excess charges. This is the difference between what your doctor charges and what Medicare pays for your Part B expenses, up to Medicare’s limiting amount of 15% above the Medicare-approved amount for the service. You may have to pay excess charges if you see a doctor who is non-participating, meaning that the doctor doesn’t accept the Medicare-approved amount for the service as full payment. For example, if the Medicare-approved amount for a non-participating doctor appointment is $100, your non-participating doctor is allowed to charge 15% above this amount, or $15, meaning you would be responsible for not only your coinsurance obligation set by the Medicare program, but the extra $15 excess charge. If you enroll in Plan F, your Medicare Supplement plan would cover this $15 difference.

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Medicare Supplement Plan F also has a high-deductible version, where you must pay for Medicare-covered costs until you reach the plan deductible, which varies from year to year. Your Medicare Supplement coverage starts once you reach the deductible.

Please note: If you’re not eligible for Medicare before January 1, 2020, you won’t be able to buy Medicare Supplement Plans C or F. These plans are gradually being phased out, but if you already have one of these plans, you can keep it.

Medicare Supplement Plan G

Medicare Supplement Plan G has the same coverage as Medicare Supplement Plan F, except that this plan does not cover the Part B deductible.

You might be able to buy a Medicare Supplement high-deductible Plan G starting in 2020. Plan G benefits are the same as Plan F’s, except Plan G doesn’t cover the Medicare Part B annual deductible.

Medicare Supplement Plan N

This plan covers the same benefits as Plan G, with the exception of Part B excess charges, which Plan N does not cover. In addition, please note the following details for the Part B coinsurance or copayment benefit, which Plan N covers 100% of, with the following exceptions:

  • You pay a copayment of up to $20 for some doctor visits.
  • You pay a copayment of up to $50 for emergency room services that don’t result in you being admitted as an inpatient.

Medicare Supplement Plans K and L

While the other seven Medicare Supplement plans cover 100% of the cost for covered benefits, these plans cover a percentage for certain benefits and typically have lower monthly premiums. Plans K and L also offer an annual out-of-pocket cap on Medicare-covered expenses; once you reach the yearly cap, the plan pays for 100% of Medicare-covered costs for the rest of the year.

Here are the main features and differences of these plans:

Plan K:

Medicare Supplement Plan K covers the following benefits:

  • 100% of the Part A hospital coinsurance, plus 365 extra days of hospital coverage after Part A benefits are exhausted
  • 50% Part A coinsurance/copayment for hospice and skilled nursing care
  • 50% coverage of Part A deductibles
  • 50% Part B coinsurance/copayment
  • Annual out-of-pocket maximum of $5,880 in 2020

Plan L:

Medicare Supplement Plan L covers the same benefits as Plan K, but at 75% instead of 50% of the cost. The plan also has a lower out-of-pocket limit, which is $2,940 in 2020.

Medicare Supplement coverage from Humana can be helpful if you use certain health-care services often or have frequent doctor appointments; if you’re concerned about lowering your medical expenses, many plans offer coverage for copayment and coinsurance costs to help minimize your out-of-pocket expenses. If you’d like to learn more about Humana’s Medicare Supplement coverage, visit the Humana page to get started. To start browsing plan options right away, click the Find Plans button on this page.

*Humana is a Medicare Advantage [HMO, PPO and PFFS] organization and a stand-alone prescription drug plan with a Medicare contract. Enrollment in any Humana plan depends on contract renewal. [Benefits, premiums and/or member cost-share] may change on January 1 of each year. The [Formulary, pharmacy network, and/or provider network] may change at any time. You will receive notice when necessary.

**Humana Inc. and its subsidiaries (“Humana”) do not discriminate on the basis of race, color, national origin, age, disability, or sex.

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