Medicare Supplement Plans F and G

Protection against high out-of-pocket costs

Plans F and G are the only Medicare Supplement insurance plans that cover costs known as Medicare Part B excess charges. An excess charge is the difference between what a doctor or provider charges and the amount Medicare will pay. These plans will help protect you from additional out-of-pocket expenses should you need treatment that exceeds what Medicare will approve. Plan F also has a high-deductible option*. Plan G covers a percentage of Medicare Part B excess charges.

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Medicare Supplement Plan F*

With Medicare Supplement Plan F, you get the most complete coverage available. Because the plan covers costs in excess of Medicare-approved amounts, you may have no out-of-pocket costs for hospital and doctor's office care with this plan.

Medicare Supplement Plan F 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 — generally 20% of Medicare-approved expenses — or copayments for hospital outpatient services
  • Blood: pays for the first three pints of blood each year
  • Hospice care: pays Part A coinsurance
In addition to the basic benefits, Plan F also provides coverage for:
  • Skilled nursing facility care
  • Medicare Part A deductible for hospitalization
  • Medicare Part B deductible for medical and hospital outpatient expenses
  • Medicare Part B excess charges (this is the difference between what a doctor or provider charges and the amount Medicare will pay up to Medicare's limiting amount)
  • Travel-abroad medical emergency help

Medicare Supplement Plan G

Available from Humana only in Connecticut, Medicare Supplement Plan G is a good fit for people who want some coverage for hospitalization, but are willing to pay the Part B deductible on their own.

Medicare Supplement Plan G 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 — generally 20% of Medicare-approved expenses — or co-payments 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 G also provides coverage for:
  • Skilled nursing facility care
  • Medicare Part A deductible for hospitalization
  • Medicare Part B excess charges — 100% (this is the difference between what a doctor or provider charges and the amount Medicare will pay)
  • 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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