Humana Medicare Supplement Review

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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 care provider with numerous Medicare Supplement (also called Medigap) plans to choose from, some of which include benefits such as discounts on vision and dental services as well as access to a 24 hour nurse hotline.

Humana is an award-winning health insurance company that offers a wide range of policies, including over a dozen Medigap plans. The company was founded in 1961 as a skilled nursing facility care provider and began selling health care policies in 1984.Today, it sells and manages health plans in every state.

Today, Humana sells and manages health plans in every state.

Humana’s Medigap 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 costs 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:
  • Coverage available in 50 states
  • Many plans feature additional benefits, such as discounts for vision and dental care
  • Affordable deductibles
  • Not all plans are available nationwide
  • Most plans don’t have annual out-of-pocket cost maximums

What Do Humana Medicare Supplement Plans Cover?

Unlike Medicare Advantage Plans that are an alternative way to get your Original Medicare benefits, Medigap plans are purchased alongside your Medicare insurance policy. Medigap Insurance pays for some of the expenses not covered by Original Medicare, such as copays and deductibles. All plans have coverage for your Medicare 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 Medicare Part B deductible as well.

Medigap plans may also cover emergency care when traveling abroad and provide discounts for fitness clubs and vision and dental care.

Humana Medicare Supplement Plan Options

Humana offers 13 Medigap plans, including two high deductible plans, to help you control medical costs. Availability may vary and is determined by your ZIP code. 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 foreign travel emergencies. Your monthly premium depends on your ZIP code, your age, and your gender. Some plans have maximum limits on out-of-pocket costs.

Keep in mind that in order to sign-up or make changes to your current Medicare, Medicare Advantage, or Medicare supplement coverage, you have to wait until the open enrollment period (from October 15 to December 7 each year).  There are exceptions to this rule.  For example, you can qualify for a special enrollment period if you experience one of several qualifying life events.  Another exception is your initial enrollment period – the three months prior to and three months after which you reach age 65.

Learn more about some of the Human Medigap 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 First three pints of blood in a medical procedure Skilled nursing facility care coinsurance Hospice care coinsurance or copayments
Plan F (high deductible)** $48-175 ** ** $0 N/A Yes Yes Yes
Plan G $134-500 $0 $203 $0 N/A Yes Yes Yes
Plan K (Healthy Living $95-261 $742 (50%) $203 All costs or up to 15% $6,220‡ 50% 50% 50%
Plan N $105-391 $0 $203 All costs or up to 15% N/A Yes Yes Yes
Plan N (Healthy Living) $149-426 $0 $203 Up to $20 for office visits or up to $50 for emergency room (ER) care N/A Yes Yes Yes

*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, claims handling process, and general customer service.

Trusted ratings and reviews can help you understand how an insurer’s plans stack up against competing insurance companies. See how Medicare, A.M. Best, the Better Business Bureau and more rate Humana’s Medigap 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 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 BBB. 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.
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Certified Senior Advisor (CSA)®

As a health care professional since 1987, Kelly Blackwell has walked alongside and cared for seniors as they journey through the season of their fourth quarter of life. Blackwell holds a Bachelor of Science in nursing from the University of Northern Colorado, a Master of Science in health care administration from Grand Canyon University, an interprofessional graduate certificate in palliative care from the University of Colorado Anschutz Medical Campus and holds a Certified Senior Advisor® credential from the Society of Certified Senior Advisors.

Blackwell contributes to the University of Colorado-Anschutz blog and has been published in “The Human Touch” distributed by the University of Colorado Center for Bioethics and Humanities. She cowrote “Dying Is” for Pathways Hospice.

A registered nurse, Blackwell understands health insurance choices influence quality of life and are driven by values, goals, and beliefs. She’s passionate about engaging with, educating, and empowering seniors as they navigate the health care system. She’s equipped to lend an experienced, compassionate voice to beneficiaries seeking information about Medicare Advantage Plans.

As a CSA®, Blackwell has access to valuable resources for Medicare beneficiaries. Her work as a bedside nurse and clinical manager has given her the opportunity to see how Medicare rules, regulations, and benefits work when patients need them. With a passion to learn and to make a difference in the lives of seniors, Blackwell supports seniors through Medicare and fourth-quarter life decisions.

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