Medicare Supplement Insurance Plans
A Guide to Humana's Medicare Supplement Insurance Plans
Humana's Medicare Supplement insurance plans help cover some of the costs not covered by Medicare Parts A and B, such as deductibles and coinsurance, so you have more predictable costs. You can keep the same doctors, you are still in the Medicare program, and you have all of your Medicare rights and protections. It should be noted that Medicare Supplement insurance plans are not managed care.
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.
Basic Benefits of Medicare Supplement Insurance plans
| Plans A, B, C, F, G | Plans K, L | Plan N | High Deductible Plan F | |
|---|---|---|---|---|
| Premiums | Moderate Premiums | Lower Premiums | Lower Premiums | Lowest Premiums |
| Out-of-Pocket Costs | Lower out-of-pocket costs | Higher out-of-pocket costs, but subject to out-of-pocket annual limits. | Moderate out-of-pocket costs consisting of office visit and ER copays. | Highest out-of-pocket costs. Must pay first $2,000 before Humana pays anything. |
| Basic Benefits | Includes:
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Includes:
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Includes:
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Includes:
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Enrollment is guaranteed if you meet certain requirements.
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.
Plan C
Plan C offers more coverage than plans A or B. You get the basic benefits listed in the chart above, plus coverage for the Part B deductible, skilled nursing care and emergency care abroad.
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.
Plan G
Plan G includes basic benefits plus coverage for additional costs like Part B excess charges (charges above what Medicare pays) and emergency care abroad.
Plans K and L
These lower-premium policies cover a range of medical costs, including doctor's services and hospital care. The plan pays a percentage of your costs, and then you are responsible for a portion. Each plan has an out-of-pocket maximum, which limits the amount you will have to pay each year.
Plan N
Plan N is another lower-premium policy offering the same basic benefits; however, 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.
Understanding Medicare Supplement Insurance Plans
It’s smart to study all the Medicare Supplement insurance plans, before you decide which plan is best for you. Get the basics on eligibility, when you can apply, and how these plans work with Medicare Parts A and B.
Need Prescription Drug Coverage?
Humana's Medicare Part D Prescription Drug Plans offer prescription drug coverage and can be purchased in addition to our Medicare Supplement insurance plans. Or, check out Humana's Medicare Advantage plans, which offer medical and prescription drug coverage, all in one plan.
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 insurance 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
You can apply for a Medicare Supplement insurance policy 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). Read more about Medicare Supplement eligibility requirements.
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.