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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 Pros
- Available in all 50 states
- Purchase online or in person
- 24-hour nurse hotline
- Discounts for health services
- Vision and dental add-ons available
Humana Cons
- Relatively high premiums
Humana Company Background
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.
Which Medicare Supplement Plans Does Humana Offer?
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:
- Humana Medicare Supplement Value Plans: The more basic of Humana’s offerings, this type of plan gives you the typical Medigap benefits in addition to a membership to SilverSneakers, a wellness program that includes gym memberships and other benefits.
- Humana Medicare Supplement Healthy Living Plans: A Humana Healthy Living plan gives you a SilverSneakers membership in addition to dental and vision coverage from Humana.
Humana Medigap Plans
| 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 |
Extra Benefits of Humana
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.
HumanaFirst
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.
Free Medical Alert System
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.
MyHumana Savings
This program offers discounts on hearing and vision care, prescription glasses, hearing aids, medications, fitness programs, supplements, and even massage therapy.
MyHumana Mobile App
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.
How Much Do Humana Medigap Plans Cost?
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 Delaware. Prices will vary based on age, location, and other health factors.
How to Enroll in a Humana Medigap Plan
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.
Alternatives to Humana Medigap Plans
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:
- Cigna: Cigna serves customers in over 30 countries, and offers a range of services including health, dental, and Medigap Plans F, high-deductible F, G, N, and A. Premiums are lower with high-deductible plans, and Cigna offers discounts if more than one person in a household is enrolled.
- Aetna: Aetna offers a wide range of coverage to its more than 39 million customers worldwide. It has Medigap Plans A, B, C, N, G, and F, with some high-deductible options available. Aetna has a user-friendly website and a free Aetna Health App to track policies and manage accounts.
- Blue Cross Blue Shield: Blue Cross Blue Shield offers Medigap Plans A, B, C, D, F, G, K, L, M, and N. Unlike some other providers, Blue Cross Blue Shield has what it calls a Select option on some plans that offers a lower premium but requires members to use doctors in a specific network.
- UnitedHealthcare: UnitedHealthcare offers a wide range of Medigap Plans: A, B, C, F, G, K, L, and N. It is partnered with AARP for Medigap services, but plans can be purchased through UnitedHealthcare directly.
Medigap providers: To learn more about my favorite Medicare supplement plans, check out my rundown of this year’s best Medigap providers.
Bottom Line
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.
To learn more about our favorite Medigap plans and providers, check out our helpful guides:
- Medicare Supplement Plans for Diabetes
- Medicare Supplement Plans for Low-Income
- Medicare Supplement Plans for Dental
- Medicare Supplement Plans for Cancer
- Medicare Supplement Plans for a Healthy Person
Humana Frequently Asked Questions
- Does Humana offer Medigap plans?
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.
- Who can apply for a Humana Medigap plan?
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.
- How do Humana’s high-deductible Medigap plans work?
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.
- Does Humana offer Medigap plans that provide coverage outside of the United States?
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.
- Are there Humana Medigap plans that cover the cost of prescription drugs?
Prescription-drug costs are covered under Medicare Part D and are not included in Humana’s Medigap plans.
