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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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:
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:
Medicare Supplement Plan L covers:
In addition to the basic benefits, Plan L also provides coverage for:
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 visits.
Plan N covers basic Medicare benefits including:
In addition to the basic benefits, Plan N also provides coverage for:
|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)||✓||✓||✓||✓|
¹Plans offered vary by state.
²Humana 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.
Licensed Humana sales agents are available
Mon - Fri 8 a.m. - 8 p.m.
1-888-204-4062 (TTY: 711)