Humana Medicare Supplement Review

Fact Checked
Expert reviewed by: Tammy Burns, insurance and healthcare consultant
Published: July 19, 2021


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Tammy Burns
Medicare advisor and nursing consultant
Tammy Burns
Medicare advisor and nursing consultant

Tammy Burns is an experienced health insurance advisor specializing in Medicare and senior health issues, including Medicare Advantage Plans and prescription drug plans, as well as ACA certified for health insurance and other ancillary, life and annuity products.

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 Medicare Supplement plans:

  • Available in all 50 states
  • Many plans feature additional benefits, such as discounts for vision and dental care
  • Affordable deductibles

The drawbacks of Humana Medicare Supplement plans:

  • Not all plans are available nationwide
  • Most plans don’t have annual out-of-pocket maximums

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 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.

 

Plan Name Monthly premium Annual deductible Office visits Telehealth Emergency room Annual maximum out-of-pocket cost
Humana Medicare Supplement Plan G $134-$500 $203 $0 copay for PCP/ $0 copay for specialist after meeting Part B deductible Not Listed Not Listed N/A
Humana Medicare Supplement High Deductible Plan F $48-$175 $2,370 $0 copay for PCP/ $0 copay for specialist after meeting Part B deductible Not Listed Not Listed N/A
Humana Health Living Medicare Supplement Plan K $95-$261 $203 10% of Medicare-approved amount for covered services after you pay the Part B deductible until you meet the out-of-pocket limit. Not Listed Not Listed $6,220
Humana Medicare Supplement Plan N $105-$391 $203 $20 copay for PCP/$20 copay for specialist after you pay the Part B deductible Not Listed Not Listed N/A
Humana Healthy Living Medicare Supplement Plan N $149-$426 $203 $20 copay for PCP/$20 copay for specialist after you pay the Part B deductible Not Listed Not Listed N/A

*Based on pricing in (Indianapolis, IN)

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.

Humana is accredited by the Better Business Bureau and has an A+ rating. In the last three years, the company has closed 218 complaints.

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.

While the National Committee for Quality Insurance doesn’t rate Medicare Supplement plans, it gives relatively high ratings for Humana’s Medicare Advantage Plans. Most plans have mid- to high-performance ratings across all three categories, including Consumer Satisfaction, Prevention, and Treatment.

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