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Medicare Supplement Insurance plans

These plans (sometimes called “Medigap” insurance) may help pay some of the healthcare costs that Medicare Parts A and B don’t, like coinsurance, copayments or deductibles.
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What do I need to know when comparing plans?

The benefits from plan to plan are the same from every insurance company (some may offer innovative benefits). The difference is in the company, the quality of service, and the price.

How do I know if I’m eligible?

To buy a Medicare Supplement plan, you must be enrolled in Medicare Parts A & B, you must live in the state where the policy is offered, and be age 65 or over or, in some states, under age 65 with a disability or end-stage renal disease.

When is the best time to buy a plan?

The Medicare Supplement Open Enrollment period starts on the 1st day of the 1st month in which you’re age 65 or older and enrolled in Medicare Part B. In some states, you can buy a plan on the 1st day you’re enrolled in Medicare Part B, even if you’re not yet 65.

If you meet certain criteria, such as applying during your Medicare Supplement Open Enrollment Period, or if you qualify for guaranteed issue, a company can’t use your medical history to determine your eligibility. Rules in some states may vary.

Humana Medicare Supplement Insurance plans¹

In most states*, policies are standardized into plans labeled A through N. All policies cover basic benefits, but each has additional benefits that vary by plan.

** Medicare Supplement insurance plans A through G provide benefits at higher premiums with limited out-of-pocket costs. Plans K through N are cost-sharing plans offering similar benefits at lower premiums with greater out-of-pocket costs. Some companies may offer additional innovative benefits.

Effective January 1, 2020, plan options C, F and High Deductible Plan F will only be available for purchase by applicants first eligible for Medicare prior to 2020.
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Plan Benefits Plan A Plan B Plan C Plan F2 Plan G Plan K Plan L Plan N Medicare Part A coinsurance and coverage for hospital benefits Included Included Included Included Included Included Included $20 copay for office visits; $50 copay for ER Medicare Part B coinsurance or copayment Included Included Included Included Included 50% 75% Included Blood (first three pints) Included Included Included Included Included 50% 75% Included Hospice Care coinsurance or copayment Included Included Included Included Included 50% 75% Included Skilled Nursing Facility Care coinsurance Included Included Included 50% 75% Included Medicare Part A deductible Included Included Included Included 50% 75% Included Medicare Part B deductible Included Included Medicare Part B excess charges Included Included Foreign Travel Emergency (up to plan limits) Included Included Included Included
1Plans offered vary by state.

2Humana also offers a High Deductible Plan F.

The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent/producer or insurance company.

Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and in some states to those under age 65 eligible for Medicare due to disability or End Stage Renal disease.

Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program.

Coverage may be limited to Medicare-eligible expenses. Benefits vary by insurance plan and the premium will vary with the amount of benefits selected. Depending on the insurance plan chosen, you may be responsible for deductibles and coinsurance before benefits are payable. These policies have exclusions and limitations; please call your agent/producer or Humana for complete details of coverage and costs.

Generally, Medicare Supplement plans don’t cover:

  • Long-term care (like care in a nursing home)
  • Vision or dental care
  • Hearing aids
  • Private-duty nursing
  • Prescription drugs

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1 - 888 - 204 - 4062 (TTY: 711)

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