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Medicare Supplement Insurance plans

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Add a Medicare Supplement Insurance plan to help with costs not covered by Medicare Parts A and B

What do I need to know about Medicare Supplement Insurance plans?

When you purchase Medicare Supplement insurance, you don't replace or cancel your Medicare Parts A and B membership. You have all your Medicare rights and protections.

The benefits from plan to plan are the same from every insurance company (some companies may offer innovative benefits) - so a Plan C from one company has the same medical coverage as a Plan C from any other. The difference is in the company, the quality of service, and the price. These features are what make Humana Medicare Supplement plans stand out from the rest.

When is the best time to buy a Medicare Supplement insurance plan?

The best time to buy is during your Medicare Supplement Open Enrollment Period. Your Medicare Supplement Open Enrollment Period lasts for six months. It starts on the first day of the first month in which you are:

  • Age 65 or older and
  • Enrolled in Medicare Part B

Once your six-month Medicare Supplement Open Enrollment Period starts, it can't be changed. However, in some situations, you have the right to buy a Medicare Supplement policy outside of your Medicare Supplement Open Enrollment Period. In some states these plans may be available to people under age 65. In that case, their Medicare Supplement Open Enrollment Period begins on the first day they’re enrolled in Medicare Part B.

NOTE: You can apply for Medicare Supplement Insurance before your Medicare Supplement Open Enrollment Period starts. If you have coverage that will end when you turn age 65, sending your application before open enrollment allows you to have continuous coverage without any breaks.

What are the requirements for Medicare Supplement plan eligibility?

You can apply for a Medicare Supplement plan if you are:

  • A resident of a state where the policy is offered
  • Enrolled in Medicare Parts A and B
  • Age 65 or over or, in some states, under age 65 with a disability and/or end stage renal disease (plan offerings and eligibility vary by state) Plus, you may qualify for guaranteed issue into a Medicare Supplement plan, regardless of your medical history, if you meet certain criteria such as applying during your Medicare Supplement Open Enrollment Period. Rules in some states may vary.

NOTE: Offerings may vary by state. Medicare Supplement plans are not managed care.

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.

Here’s a quick overview of the plans available

Humana’s Medicare Supplement Insurance Plans**

Benefits A B C F** G K L N
Plan details Plan details Plan details Plan details Plan details Plan details Plan details Plan details
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
Foreign Travel Emergency (up to plan limits)

*Plans offered vary by state.

**Humana also offers a High Deductible Plan F and may offer a Medicare Select Plan F in your area. Coverage may be 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 have exclusions and limitations; please call your agent/producer or Humana for complete details of coverage and costs.

Learn more about Humana’s Medicare Supplement Insurance plans

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 A and Part B deductibles, 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 the Part A deductible, skilled nursing-facility care, additional costs like Part B excess charges (charges above what Medicare pays) and emergency care abroad.

  • Lower premiums
  • Some coverage for hospitalization to supplement your Medicare Part B plan

Plans K and L

Plans K and L offer the same basic benefits as other Medicare Supplement insurance plans, but with lower monthly premiums and annual out-of-pocket maximums, 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, but also 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)

NOTE: Humana offerings may vary by state.

*If you live in Massachusetts, Minnesota or Wisconsin, your Medicare Supplement policy may be called something different than “Medicare Supplement Plans A through N.”

**Medicare Supplement insurance policies may not fully cover all your medical costs.

None of the standard Medicare Supplement plans cover:

  • 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

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

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 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 have exclusions and limitations; please call your agent/producer or Humana for complete details of coverage and costs.

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