Medicare Supplement Plans K, L and N

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
  • $5,120 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
  • $2,560 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 visits.

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 care: 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 Plans¹

Benefits A B C 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)

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.

Selecting a Medicare plan that fits your needs isn’t always easy. These videos may help you understand the different types of plans available.

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