Humana Medicare Supplement Review
Depending on your state regulations, Humana offers Medicare Plans A through N, often called Medigap insurance. You can research all Medicare supplement plans Humana offers on their website by entering your ZIP code, and you can buy a plan directly off the site or from a local agent.
Now the third-largest health insurance provider in the U.S., Humana was founded in 1961 by David A. Jones, Sr. The company started as Extendicare nursing homes then transitioned into hospitals. Twenty years later, Humana joined the health insurance industry, and by the 1990s, the company left the hospitalization sector altogether. Today, the company offers Medicare supplement policies, Medicare Advantage plans, and Part D coverage as well as dental, vision, prescription drug plans, Medicaid and group insurance.
Getting around Humana’s website to learn about Medicare supplement insurance options and check rates is a simple process. We found competitive prices and did not have to enter any personal information to see quotes.
- Easy-to-find plans based on your ZIP code and compare pricing
- Research and buy online or meet with a local agent
- Website offers extensive insurance information and health-related resources
- No messaging customer service via the customer account portal
What Makes Humana Medicare Supplement Insurance Different?
You can buy Medicare supplement insurance from many providers in your state, but a Humana policy includes some perks other providers don’t offer.
Discount for paying premiums automatically using electronic bank drafts or a credit card.
Silver Sneakers fitness program.
Access to a nurse by phone 24-hours-a-day.
MyHumana Savings Program with discounts on eye exams, contact lenses and glasses, over-the-counter medications, massage therapy, weight loss programs and more.
Access to Humana Transplant Centers to maximize benefits.
Secure online health record repository you can access via smartphone at medical and wellness appointments.
Humana Medicare Supplement Coverage
While Medicare supplement plans vary by state, policies are standardized into Plans A through N, adding various benefits to what Medicare provides. Humana Medicare supplement insurance plans A through G have limited out-of-pocket costs with higher premiums while plans K through N offer similar benefits with lower premiums and higher out-of-pocket costs. As with any insurance, all policies have exclusions and limitations.
We outlined each plan below, and you can read What Do Medicare Supplement Plans Cover? to learn more.
Plan A: Best for people who want more coverage than Medicare Parts A and B, but don’t anticipate using many healthcare services.
Plan B: Extra coverage for hospitalization.
Plan C: Pays Medicare deductibles or coinsurance for skilled nursing facilities, hospitalization, medical and hospital outpatient expenses, and payment assistance for medical emergencies when out of the country.
Plan F: Most complete coverage available with all Medicare supplement Plans A, B and C benefits. Plan F also offers a high-deductible option.
Plan G: Includes all benefits of Medicare supplement Plans A, B and C, and covers 100 percent of Medicare Part B charges except the deductible.
Plan K: Pays a percentage of your costs for lower premiums. Covers all charges after the annual out-of-pocket maximum.
Plan L: Covers a higher percentage of your costs with a lower annual out-of-pocket amount and out-of-pocket limit.
Plan N: Covers 100 percent of Medicare Part B coinsurance costs after a small copay for office and ER visits.
Humana Medicare Supplement Insurance Cost
We used the quote tool on Humana’s website to get rates for a 66-year-old male who doesn’t use tobacco and listed the premiums from four locations around the country in the chart below. If we’ve listed no premium, the plan is not available in that state. We found some states with Medicare supplement plans not following the A through N designation, such as Wisconsin which has four plans: Basic, 50% and 25% cost-sharing, and High Deductible.
*High Deductible Plan F has a $2,300 deductible. No out of pocket maximums except Plan K ($5,560) and Plan L ($2,780).
Humana’s Medicare supplement insurance rates 9 out of 10 stars on ConsumerAdvocate.com. Top10Reviews.com calls the company one of the best health insurance providers with 9.7 out of 10 stars. Humana is accredited with the Better Business Bureau, which gives the company an “A+” rating.
The cumulative rating from customers is 2 stars with 262 complaints in the past three years. The low ratings are not specifically associated with the Medicare supplement insurance, and Humana responded to each complaint. On ConsumerAffairs, Humana scores an average 2 out of 5 stars as a company, but the consumer reviews do not focus on Medicare supplement policies.
Humana Medicare Supplement Insurance Q&A
Are there any Medicare supplement Plans Humana doesn’t offer?
Humana offers eight of the 10 medicare supplement plans. The company doesn’t provide Plan D or Plan M.
Is there anything Humana Medicare supplement insurance doesn’t cover?
Medicare supplement policies don’t cover long-term care, like rehab services in a nursing home. There is no coverage for vision and dental care, hearing aids, private-duty nursing and prescription drugs unless otherwise specified.
How does Humana Medicare supplement insurance work with Medicare coverage?
Medicare pays covered healthcare expenses first, then Humana Medicare supplement insurance pays all or part of the remaining amount, depending on your policy. If the bill is not paid off entirely at this point, you are responsible for the balance.
Does a Humana Medicare supplement insurance plan replace Medicare Parts A and B?
Medicare supplement insurance does not replace Medicare coverage, instead, these plans fill gaps in Medicare Parts A and B. Humana Medicare supplement insurance pays for deductibles, copayments and coinsurance, so you pay less or nothing out of pocket for medical care. Medicare Advantage plans replace Medicare Parts A and B entirely.
What is the difference between a Medicare supplement plan from Humana and other insurance companies?
Plan benefits don’t vary across insurance companies because of government regulations. The difference between Medicare supplement policies is in the cost of premiums and any add-ons the insurance company provides. Humana includes health care discount programs, 24-hour access to a nurse, a well-designed customer account portal among other benefits at no additional cost. We also found Humana’s rates to be very competitive.
Humana is a solid company to start your Medicare supplement plan research. The website provides easy-to-understand information and pricing to take the guesswork out of your search, and you do not have to enter any personal information on the site to get quotes. You can buy a plan online or schedule an appointment with an agent in your area. Humana licensed insurance agents are also available via the phone number on the site seven days a week from 5 a.m. to 8 p.m.