Humana Medicare Supplement Insurance

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1 (877) 486-2048) 24 hours a day/7 days a week to get information on all of your options.

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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.

Pros

• 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

Cons

• 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 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.

Plan	Las Vegas	Tulsa	Akron	Norfolk
High Deduct. Plan F	$54.47	$68.16	$54.27	$44.95
Plan K	$87.76	$92.53	N/A	N/A
Plan L	$123.95	N/A	N/A	N/A
Plan N	$131.71	$137.01	$110.57	$87.45
Plan A	$148.32	$145.31	$96.01	$82.07
Plan C	$190.87	N/A	N/A	N/A
Plan F	$194.73	$187.87	$159.01	$132.53
Plan G	N/A	N/A	$128.94	$103.13

*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 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.

Source: Humana

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 Complaints

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 FAQ

Conclusion

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.