Kelly Blackwell is a Certified Senior Advisor (CSA)®. She has been a healthcare professional for over 30 years, with experience working as a bedside nurse and as a Clinical Manager. She has a passion for educating, assisting and advising seniors throughout the healthcare process.
|A.M. Best financial strength rating: A- (for health subsidiaries of Humana Inc)||BBB rating: A+||Consumer Affairs rating: 4|
Quick Humana Medicare Supplement plans review: Humana is a leading health insurance provider with numerous Medicare Supplement plans to choose from, some of which include benefits, such as discounts on vision and dental services.
Humana is an award-winning health insurance company that offers a wide range of policies, including over a dozen Medicare Supplement plans. The company was founded in 1961 as a nursing home provider, and in 1984, it began selling health insurance policies. Today, it sells and manages health plans in every state.
Humana’s Medicare Supplement plans are generally affordable with low deductibles. It offers every type of Medigap plan, but the plans available to you depend on where you live. Reviewing the options available to you, including out-of-pocket expenses and additional benefits, can help you decide which plan is right for you.
Pros and Cons of Humana Medicare Supplement Plans
|What we like about Humana Medigap plans:||The drawbacks of Humana Medigap plans:|
What Do Humana Medicare Supplement Plans Cover?
Unlike Medicare Advantage Plans that are an alternative way to get your Original Medicare benefits, Medicare Supplement plans are purchased alongside your Original Medicare policy. Medicare Supplement Insurance (Medigap) pays for some of the expenses not covered by your Original Medicare, such as copays and deductibles. All plans have coverage for the Part A deductible, and if you became eligible for Medicare before January 1, 2020, you may be able to buy a Medigap plan that covers the Part B deductible as well. Medigap plans may cover emergency care when traveling abroad and provide discounts for fitness clubs and vision and dental care.
Humana Medicare Supplement Plan Options
Humana administers 13 Medicare Supplement plans, including two high deductible plans, to help you control medical costs. Availability may vary depending on your location. Along with the standardized benefits that all Medigap plans offer, several of Humana’s plans include discounts for fitness clubs, vision and dental care, and emergency overseas coverage. Your monthly premium depends on where you live, your age, and your gender. Some plans have maximum out-of-pocket limits.
Learn more about some of the Human Medicare Supplement plans that may be available in your area.
|Plan name||Monthly premium†||Part A hospital deductible||Part B medical deductible||Member responsibility for excess charges||Out-of-pocket maximum|
|Plan F (high deductible)**||$48-175||**||**||$0||N/A|
|Plan K (Healthy Living||$95-261||$742 (50%)||$203||All costs or up to 15%||$6,220‡|
|Plan N||$105-391||$0||$203||All costs or up to 15%||N/A|
|Plan N (Healthy Living)||$149-426||$0||$203||Up to $20 for office visits or up to $50 for ER care||N/A|
*Based on pricing in 2021 in Indianapolis, IN
**High deductible Plan F: you pay $2,370 in the form of deductibles, coinsurance, copays before your plan pays. Note: Plan F is only available if you were eligible for Medicare before 2020.
†Rates are based on medical eligibility
ǂExcess charges don’t count toward your out-of-pocket maximum
Humana Medicare Supplement Plans Reviews and Ratings
Humana has consistently high consumer ratings, indicating that most customers are satisfied with their insurance coverage and the company’s claims handling process.
Trusted ratings and reviews can help you understand how an insurer’s plans stack up against the competition. See how Medicare, A.M. Best, the Better Business Bureau and more rate Humana Medicare Supplement plans.
|A.M. Best financial strength rating: A||A.M. Best is a credit rating agency that specializes in the insurance industry. In August 2020, A.M. Best affirmed its Financial Strength Rating of A- (Excellent) for the majority of the health insurance subsidiaries of Humana Inc.
An A- rating in this category indicates that A.M. Best believes Humana has an excellent ability to meet its ongoing insurance obligations.
|BBB rating: A+||Humana has an A+ rating from the Better Business Bureau. In the last three years, the company has closed 218 complaints.|
|Consumer Affairs rating: 4||Consumer Affairs assigns Humana a rating of four out of five stars based on 2,142 customer ratings. Customers who left positive feedback commended the company for its outstanding customer service, the plans’ scope of coverage, and overall affordability.|
Learn More From Our Sources
- Better Business Bureau | Humana | Last accessed January 2022
- Consumer Affairs | Humana Health Insurance | Last accessed January 2022
- Humana | Awards and recognition | Last accessed January 2022
- Humana | Medicare Supplement Insurance plans | Last accessed January 2022
- Medicare | What’s Medicare Supplement Insurance (Medigap)? | Last accessed January 2022
- NCQA | NCQA Health Insurance Plan Ratings | Last accessed January 2022