Medicare Supplement Plans F and G

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*. Plans F and G cover 100% of the Medicare Part B excess charges.

Search plans in your area

See plans with their premiums, copays and participating doctors

Or contact a licensed Humana sales agent to learn more 1-888-204-4062 TTY: 711

Open my saved information

If you’ve already started to save your information so you can prepare to apply for a Humana Medicare plan, continue where you left off. If you don’t have information saved, enter your ZIP code above to find plans in your area. You can start entering your information, and save it to finish your application later.

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

*Plan F also has a high-deductible option. If you choose the high-deductible option on Medicare Supplement Plan F, you have to pay a deductible of $2,200 for 2017 before the plan pays anything. This amount can go up each year. High-deductible policies have lower premiums, but if you become sick, you'll have higher out-of-pocket costs. Depending on where you live, you may be eligible for Medicare Select Plan F.

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 care: 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
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.

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 covers:

  • 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.

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

How can we help?

Visit a Humana MarketPoint
sales office
With offices throughout the country, we’re your coast-to-coast resource for coverage close to home
Call us

Licensed Humana sales agents are available
Mon - Fri 8 a.m. - 8 p.m.

1-888-204-4062 (TTY: 711)

Meet with us
Our licensed Humana sales agents are available to help you review your options so you can select the coverage that best meets your needs