Medicare Supplement Plans K, L and N

Help manage your expenses

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.

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 percent 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
• 100% 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
• $4,620 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
• 100% 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
• $2,310 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) is a $20 copay for office visits and a $50 copay for ER. 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 percent of Medicare-approved expenses - or co-payments for hospital outpatient services
• Blood: pays for the first three pints of blood each year
• Hospice: 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 Plans*

Benefits	A	B	C	F**	G	K	L	N
Medicare Part A Coinsurance and Coverage for Hospital Benefits								- $20 copay for office visists; $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				100%	100%
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.