by Russell Noga | Updated October 3rd, 2024
Are you considering a Humana Medicare Supplement plan? Understand the essentials — what these plans cover, their costs, and the sign-up process. Humana Medicare Supplement plans enhance your healthcare coverage by filling gaps left by Original Medicare. Choose from a variety of options that cater to different health needs and budgets, including the popular Plan G and Plan N. Learn what benefits you can expect, whether you’re eligible, and how Humana’s offerings compare to other providers, all without worrying about discrimination based on personal factors. Dive into our comprehensive guide to make an informed decision today.
Key Takeaways
- Humana Medicare Supplement plans provide coverage for healthcare costs not covered by Original Medicare, including co-insurance and deductibles, with options like Advantage HMO PPO, Plan G, Plan F, and high deductible plans, but availability varies by state.
- Plan G offers comprehensive coverage excluding the Part B deductible and has an average monthly premium of $131.44, while Plan N is more affordable with an average monthly cost of $111, covering Part B coinsurance costs with minimal copays but excluding long-term care, vision, dental care, and hearing aids.
- Enrollment in Humana Medicare Supplement plans is available for individuals over 65, those under 65 with qualifying disabilities, or those with end-stage renal disease, and can be done online with plan comparisons suggesting Humana offers a larger Medicare Advantage market share and comprehensive options compared to providers like Aetna.
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Understanding Humana Medicare Supplement Plans
Humana Medicare Supplement plans offer a range of options designed to provide added protection for healthcare costs that Original Medicare doesn’t cover. Some of the options include:
- Medicare Advantage HMO PPO
- Plan F
- Plan G
- High deductible plans
These plans serve as a safety net, catching those pesky, unexpected healthcare costs.
The beauty of Humana’s plans lies in their flexibility. Coverage and benefits can vary, tailoring to unique needs and circumstances. Humana and its subsidiaries collectively comply with applicable federal civil rights laws. The organization does not discriminate based on:
- race
- color
- national origin
- age
- disability
- sex
- sexual orientation
- gender identity
- expression
They also do not discriminate based on transgender status, marital status, military or veteran status, or religion.
However, bear in mind that Humana’s Medicare Supplement plans are not offered in the following states: ca ct dc de, md me mi mn, ny oh or pa, VT, WA, WV, WY.
Always verify what’s accessible in your specific location before proceeding.
Medicare Plan G
Humana’s Medicare Plan G offers:
- Comprehensive coverage
- Benefits of Medicare Supplement Plans A, B, and C
- Excludes the Medicare Part B deductible
- Covers all medical services after meeting the deductible, except for preventative care, hearing, vision, and dental
- Access to lower-cost preferred pharmacies.
Benefits of Plan G include:
- Extensive coverage, closely resembling Plan F
- Comprehensive range of benefits
- Bridging the gap in Medicare coverage
- Offering peace of mind to enrollees
The average monthly premium for Humana’s Medicare Plan G as of 2023 is $131.44. However, variations may occur based on your location, including states like CA, CT, DC, and DE.
Medicare Plan N
Humana’s Medicare Plan N strikes a balance between comprehensive coverage and affordability. It provides coverage for 100% of Medicare Part B coinsurance costs, with the exception of a $20 copay for office visits and a $50 copay for emergency services. Additionally, it ensures coverage for hospitalization and other medical services.
This plan is designed to keep costs low while maintaining substantial coverage. With an average monthly cost of approximately $111, Plan N offers a cost-effective solution for your healthcare needs, fully covering Medicare Part B coinsurance costs and requiring only minimal copays for office and emergency visits.
Keep in mind, Plan N does have limitations. It covers Medicare-eligible expenses but excludes coverage for long-term care, vision or dental care, hearing aids, and private duty nursing.
Medicare Plan F
Humana’s Medicare Plan F was once a high-coverage option, but it’s no longer available to new enrollees since January 1, 2020, due to changes in eligibility criteria, including age, disability, sex, and sexual orientation.
Despite its discontinuation for new beneficiaries, Plan F is worth understanding for its comprehensive coverage. It provided all the advantages of Medicare Supplement Plans A, B, and C in a comprehensive package, regardless of sex, sexual orientation, or gender. It also encompassed co-insurance and offered extensive coverage with supplementary benefits such as premiums, deductibles, and out-of-pocket maximums.
Plan F covered skilled nursing facility care, Medicare Part A and B deductibles, and even international travel medical, regardless of disability, sex, or sexual orientation.
Coverage and Costs: What to Expect
Grasping the coverage and costs of Humana Medicare Supplement plans is key to making an informed decision. Humana’s plans cover specific medical expenses not addressed by Medicare, including deductibles and co-insurance. However, they do not extend coverage to routine foot care, cosmetic surgery, long-term care, vision or dental care, hearing aids, eyeglasses, or private-duty nursing services.
Humana Medicare Supplement Plan G provides coverage for all the benefits of Plan F, with the exception of the Medicare Part B deductible. For detailed cost information, it is recommended to visit the Humana website directly.
Plan N, on the other hand, provides full coverage for Medicare Part B coinsurance costs, excluding a $20 copay for office visits and a $50 copay for emergency room visits. The average monthly cost for Plan N is $111, although prices may vary between $88 and $256 per month based on the state.
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How to Enroll in a Humana Medicare Supplement Plan
Enrolling in a Humana Medicare Supplement Plan is a straightforward process, but there are some eligibility criteria to meet. Individuals must be either 65 years of age or older, under 65 with a qualifying disability, or have ESRD (end-stage renal disease) necessitating dialysis or a kidney transplant.
Once you’ve confirmed your eligibility, you can select your Medicare coverage and apply for Medicare online. After choosing a plan, you can initiate the enrollment process by clicking ‘Enroll’ on the Humana website and then following the prompts to complete the form with your personal details.
Indeed, the application for a Humana Medicare Supplement Plan can be conveniently done online. A visit to the official Humana website allows you to review the plans available in your area and proceed with the application process.
Comparing Humana to Other Providers
In addition to Humana, several reputable providers offer Medicare Supplement plans. These include:
- AARP by UnitedHealthcare
- Blue Cross Blue Shield
- Cigna
- State Farm
All of these providers cater to individuals regardless of their sexual orientation, gender identity or expression, or identity or expression transgender.
Humana’s Medicare Supplement Plan G provides a wide range of benefits, similar to Plan F but without the Part B deductible coverage. In contrast, AARP’s Plan G requires the utilization of network hospitals for specific inpatient services.
Another comparison can be drawn with Aetna. Here are some key differences between Humana and Aetna:
- Humana has a larger Medicare Advantage market share
- Humana provides more comprehensive coverage options
- Aetna has a larger network
- Aetna has a more user-friendly mobile app.
Tips for Choosing the Right Plan
The process of selecting the best Medicare Supplement plan involves a careful assessment of your healthcare needs. With each plan offering varying coverage levels for medical services, it becomes imperative to gauge your specific healthcare requirements and juxtapose them with the coverage different plans provide.
When evaluating which Medicare Supplement plan to choose, consider the following factors:
- Scope of coverage
- Associated costs
- Inclusion of supplemental coverage for Original Medicare or Medicare Advantage
- Provision of prescription drug coverage
Your budget significantly influences the choice of a Medicare Supplement plan. Take into account the variations in premiums, deductibles, and co-payment amounts among various plans, and evaluate how these costs match your financial situation.
Summary
Navigating the nuances of Medicare Supplement Plans doesn’t have to be daunting. Humana offers a plethora of plans designed to meet varying healthcare needs and budgets. Whether it’s the comprehensive coverage of Plan G, the balance of coverage and affordability in Plan N, or the extensive benefits of Plan F, Humana provides options tailored to your unique circumstances.
Remember, the best plan is the one that aligns with your health requirements, financial situation, and lifestyle. So, take the time to understand, compare, and choose wisely. Because your health is an investment, and choosing the right Medicare Supplement plan is a crucial part of that journey.
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Frequently Asked Questions
What is the most popular Medicare Supplement plan?
The most popular Medicare Supplement plan is Medigap Plan F, offering 100% coverage of Medicare-covered medical expenses. However, due to recent legislation, Plan G is quickly becoming popular as well.
Is Humana a good Medicare option?
Yes, Humana is a good Medicare option as their plans have received high average star ratings from the Centers for Medicare & Medicaid Services, with a majority of members enrolled in plans rated 4 stars or higher for 2025.
Is Humana a supplement or replacement for Medicare?
Humana offers Medicare Supplement Plans to help defray healthcare costs not covered by Original Medicare, making it a supplement rather than a replacement for Medicare.
What is the average cost of a supplement for Medicare?
The average cost of a Medicare Supplemental health insurance plan varies by age, with premiums ranging from $100.57 per month at age 66 to $173.83 per month at age 85.
What are the coverage details of Humana’s Medicare Plan G?
Humana’s Medicare Plan G covers all medical services after meeting the deductible, except for preventative care, hearing, vision, and dental, and offers access to lower-cost preferred pharmacies.
Speak to the Professionals about Medigap Plans and Original Medicare
If you find understanding the benefits involved with Original Medicare and Medigap Plans challenging, you’re not alone. Whether it’s a Medigap plan, or you want to know more about Humana Medicare Supplement, we can help. Call our team at 1-888-891-0229 for a free consultation or complete the contact form on this site, and an expert will call you back at a convenient time.
We have decades of experience advising our clients on the complexities of Medicare and Medigap plans, the benefits, cost and deductibles. We’ll ensure you get the best rate in your state and advice you can trust.
Russell Noga is the CEO and Medicare editor of Medisupps.com. His 15 years of experience in the Medicare insurance market includes being a licensed Medicare insurance broker in all 50 states. He is frequently featured as a featured as a keynote Medicare event speaker, has authored hundreds of Medicare content pages, and hosts the very popular Medisupps.com Medicare Youtube channel. His expertise includes Medicare, Medigap insurance, Medicare Advantage plans, and Medicare Part D.