Medicare Supplement insurance plans like those offered by Humana help cover some of the costs not covered by Medicare Parts A and B such as deductibles and coinsurance.
Medicare Supplement plans are purchased in addition to your Medicare Parts A and B benefits. When you choose a Medicare Supplement plan, you still have all of your Medicare rights and protections.
It should be noted that Medicare Supplement plans are not managed care.
Humana Medicare Supplement Plans
In most states, policies are standardized into plans labeled A through N as required by state laws. In Massachusetts1, Minnesota, and Wisconsin, Medicare Supplement policies are standardized in a different way.
Here's an overview of the key features of the plans we offer. Humana offerings may vary by state.
Plans A and B
Plan A provides basic coverage for hospitalization and medical expenses. Plan B includes the same basic benefits, plus coverage for your Part A deductible.
Plan C offers more coverage than plans A or B. You get the basic benefits, plus coverage for the Part A and the Part B deductible, skilled nursing care, and emergency care abroad. Please note that for emergency care abroad you will be subject to a yearly deductible of $250 and a benefit amount of 80% to a lifetime maximum of $50,000.
Plan F offers the basic benefits, plus coverage for both the Part A and the Part B deductible, skilled nursing care, emergency care abroad, and 100% of Part B excess charges (the difference between what a doctor or provider charges and the amount Medicare will pay up to Medicare's limiting amount)2. Please note that for emergency care abroad you will be subject to a yearly deductible of $250 and a benefit amount of 80% to a lifetime maximum of $50,000. Plan F also has a high-deductible option that can lower your premiums. The 2011 deductible is $2,000.
Plans K and L
These lower-premium policies cover a range of medical costs, including doctor's services and hospital care. The plan pays a percentage of your costs — 50% for Plan K and 75% for Plan L — and then you are responsible for a portion. Each plan has an out-of-pocket maximum, which limits the amount you will have to pay each year.
Medicare Supplement insurance policies may not fully cover all your healthcare costs. They are designed to coordinate with benefits provided by the Federal Medicare program and will not cover any service or portion of a service that is not a Medicare eligible expense. Examples may include:
- Long-term care to help you with daily tasks such as dressing, eating, etc.
- Vision or dental care
- Hearing aids
- Private-duty nursing
- Prescription drugs
Medical expenses incurred prior to the effective date of insurance may not be covered for a period of time. This time period may be reduced depending on when you apply or satisfied by prior coverage.
Not connected with or endorsed by the U.S. government or the federal Medicare program.
Insured by Humana Insurance Company, Humana Insurance Company of Kentucky, Humana Health Benefit Plan of Louisiana, Inc., Humana Health Insurance Company of Florida, Inc., or Humana Insurance Company of New York. Calls will be answered by Medicare Supplement insurance agents/producers. Medicare Supplement insurance is available to those enrolled in Parts A and B of Medicare due to age and is also available in some states to under 65 disabled Medicare recipients. Coverage is limited to Medicare-eligible expenses. Benefits vary by plan and the premium will vary with the amount of benefits selected. Depending on the plan chosen, you may be responsible for deductibles and coinsurance before benefits are payable. These policies may have exclusions and limitations; please call your agent/producer or Humana for complete details of coverage and costs.
Policy form series MESM10 or state equivalent. Idaho Policy forms: IDMESM10A, IDMESM10B, IDMESM10C, IDMESM10F, IDMESM10F(HD), IDMESM10K, and IDMESM10L. Tennessee Policy forms: TNMESM10A, TNMESM10B, TNMESM10C, TNMESM10F, TNMESM10F(HD), TNMESM10K, and TNMESM10L.
New York Residents: This policy meets the minimum standards for MEDICARE SUPPLEMENT INSURANCE as defined by the New York State Insurance Department. The expected benefit ratio for this policy is 72%. This ratio is the portion of future premiums which the company expects to return as benefits, when averaged over all people with this policy. IMPORTANT NOTICE -- A CONSUMER'S GUIDE TO HEALTH INSURANCE FOR PEOPLE ELIGIBLE FOR MEDICARE MAY BE OBTAINED FROM YOUR LOCAL SOCIAL SECURITY OFFICE OR FROM THIS INSURER.
1There are two standard policies offered to Massachusetts residents: Medicare Supplement Core and Medicare Supplement 1. All Massachusetts policies must include hospital coinsurance coverage, 365 extra days of full hospitalization coverage, the first three pints of blood each year, and payment of the 20% coinsurance costs for medical care.
25% excess charge limit – New York policyholders are responsible for excess charges up to 5% of the Medicare allowable amount.
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