Medicare Supplement Plans K, L and N

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Plans K, L and N offer the same basic benefits as other Medicare Supplement insurance plans, but provide you with a lower monthly premium. In exchange for a lower premium, these cost-sharing plans cover less of the coinsurance and copayments than other Medicare Supplement insurance plans. Plans K and L do offer an out-of-pocket maximum, which limits the amount you will have to pay each year.

In general, Plan K offers a lower monthly premium than Plan L, but offers higher coinsurance amounts and a higher annual out-of-pocket limit.

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Medicare Supplement Plan K

With Medicare Supplement Plan K, the plan covers services similar to other Medicare Supplement insurance policies. However, instead of paying all your costs, the plan pays a percentage. If you have a serious illness or injury, you have the protection of an out-of-pocket annual limit. Once you reach this "cap" on your out-of-pocket costs, the plan pays 100% of Medicare-approved costs for the rest of the year. This plan is a good option if you prefer a lower premium but still want a fair amount of coverage for a wide variety of services.

Medicare Supplement Plan K coverage:

  • 100% coverage for Part A hospitalization coinsurance plus coverage for 365 days after Medicare benefits end
  • 50% Hospice coverage for Part A coinsurance
  • 50% of Medicare-eligible expenses for the first three pints of blood
  • 50% Part B coinsurance, except for preventive care services, which are covered 100%
In addition to the basic benefits, Plan K also provides coverage for:
  • 50% coverage for Skilled Nursing Facility coinsurance
  • 50% coverage for your Medicare Part A deductibles
  • $4,940 out-of-pocket annual limit (the out-of-pocket annual limit will increase each year for inflation)

Medicare Supplement Plan L

Medicare Supplement Plan L is another option if you want a Medicare Supplement insurance policy with an affordable premium, but still want a reasonable amount of coverage for a wide variety of services.

This plan is similar to Plan K, except it:

  • Covers a higher percentage of your costs
  • Offers a lower annual out-of-pocket amount and out-of-pocket limit
  • Has a slightly higher monthly premium

Medicare Supplement Plan L covers:

  • 100% coverage for Part A hospitalization coinsurance, plus coverage for 365 days after Medicare benefits end
  • 75% Hospice coverage for Part A coinsurance
  • 75% of Medicare-eligible expenses for the first three pints of blood
  • 75% Part B coinsurance, except for preventive care services, which are covered 100%

In addition to the basic benefits, Plan L also provides coverage for:

  • 75% coverage for Skilled Nursing Facility coinsurance
  • 75% coverage for your Medicare Part A deductibles
  • $2,470 out-of-pocket annual limit(the out-of-pocket annual limit will increase each year for inflation)

Medicare Supplement Plan N

Medicare Supplement Plan N provides more coverage than Plans K and L while still maintaining a lower premium than Plans A through G. The only out-of-pocket expenses incurred (after the plan’s monthly premium) are a $20 copay for office visits and a $50 copay for ER.

Plan N covers basic Medicare benefits including

  • Hospitalization: pays Part A coinsurance plus coverage for 365 additional days after Medicare benefits end
  • Medical Expenses: pays Part B coinsurance excluding $20 copay for office visits and $50 copay for ER — generally 20% of Medicare-approved expenses — or copayments for hospital outpatient services
  • Blood: pays for the first three pints of blood each year
  • Hospice: pays Part A coinsurance
In addition to the basic benefits, Plan N also provides coverage for:
  • Skilled nursing facility care
  • Medicare Part A deductible for hospitalization
  • Travel-abroad medical emergency help

Humana's Medicare Supplement Insurance Plans*

Benefits
A
B
C
F**
G
K
L
N
Medicare Part A coinsurance and coverage for hospital benefits $20 copay for office visits; $50 copay for ER
Medicare Part B coinsurance or copayment 50% 75%
Blood (first three pints) 50% 75%
Hospice Care coinsurance or copayment 50% 75%
Skilled Nursing Facility Care coinsurance     50% 75%
Medicare Part A deductible   50% 75%
Medicare Part B deductible            
Medicare Part B excess charges       100% 100%      
Foreign Travel Emergency (up to plan limits)        
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