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A Guide to Humana's Medicare Supplement Insurance Plans

Humana's Medicare Supplement insurance plans help cover some of the costs not covered by Medicare Parts A and B, such as deductibles and coinsurance, so you have more predictable costs. You can keep the same doctors, you are still in the Medicare program, and you have all of your Medicare rights and protections. It should be noted that Medicare Supplement insurance plans are not managed care.

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Basic Benefits of Medicare Supplement Insurance plans

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.

Plans A and B

Plan A provides basic coverage for hospitalization, medical expenses, and hospice care. Plan B includes the same basic benefits, plus coverage for your Part A deductible.

    • Moderate premiums
    • Lower out-of-pocket costs

Plan C

Plan C offers more coverage than plans A or B. In addition to hospitalization, medical expenses, and hospice care, plus coverage for the Part B deductible, plan C covers skilled nursing care and emergency care abroad.

    • Moderate premiums
    • Lower out-of-pocket costs

Plan F

Plan F offers the basic benefits, plus coverage for both the Part A and Part B deductibles, 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). Plan F also has a high-deductible option that can lower your premiums.

    • Moderate premiums
    • Lower out-of-pocket costs

Plan G

Plan G includes basic benefits, plus coverage for additional costs like Part B excess charges (charges above what Medicare pays) and emergency care abroad.

    • Moderate premiums
    • Lower out-of-pocket costs

Plans K and L

These lower-premium policies cover a range of medical costs, including doctors' services and hospital care. The plan pays a percentage of your costs and 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.

    • Lower premiums
    • Higher out-of-pocket costs, but subject to annual limits

Plan N

Plan N offers the same basic benefits. It includes an office copayment of up to $20 and an emergency room copayment of up to $50. The plan also covers costs for the Part A deductible, skilled nursing care, and emergency care abroad.

    • Lower premiums
    • Moderate out-of-pocket costs (office visit and ER copays)
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