Understanding Medicare Supplements

A Guide to Humana's Medicare Supplement Plans

Humana's Medicare Supplement plans - also known as "Medigap" plans - cover "gaps" in Original Medicare coverage such as deductibles and coinsurance, so you have more predictable costs and greater peace of mind. 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 plans are not managed care.

In most states*, policies are standardized into plans labeled A through L as required by state laws. All policies cover basic benefits, but each has additional benefits that vary by plan.** Medicare Supplement plans A through J have one set of basic benefits with higher premiums and plans K and L have a different set of basic benefits with lower premiums.

Basic Benefits of Medicare Supplement plans

	Plans A, B, C, F	Plans K, L	High Deductible Plan F
Premiums	Moderate Premiums	Lower Premiums	Lowest Premiums
Out-of-Pocket Costs	Lower (or no) out-of-pocket costs	Higher out-of-pocket costs, but subject to out-of-pocket annual limits.	Highest out-of-pocket costs. Must pay first $2,000 before Humana pays anything.
Basic Benefits	Includes: Medicare Part A coinsurance and hospital benefits Medicare Part B coinsurance or copayment First 3 pints of blood	Includes: Medicare Part A coinsurance and hospital benefits Medicare Part B coinsurance or copayment First 3 pints of blood Hospice care	Includes: Medicare Part A coinsurance and hospital benefits Medicare Part B coinsurance or copayment First 3 pints of blood

Enrollment is guaranteed if you meet certain requirements.

Plans A and B
Plan A provides basic coverage for hospitalization and medical expenses. 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, emergency care abroad, and more.

Plan F
Plan F offers the basic benefits, plus coverage for both the Part A the Part B deductible. Plan F also has a high-deductible option that can lower your premiums.

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.

Understanding Medicare Supplement Plans
It's smart to study all the Medicare Supplement plans, which are also known as Medigap plans before you decide which plan is best for you. Get the basics on eligibility, when you can enroll, and how these plans work with Original Medicare.

Need Prescription Drug Coverage?

Humana's Prescription Drug Plans offer prescription drug coverage and can be purchased in addition to our Medicare Supplement 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. Humana does not offer plans E, H, I or J.

*If you live in Massachusetts, Minnesota or Wisconsin, your Medicare Supplement (Medigap) policy may be called something different than "Medigap Plans A through L."

**These policies may not fully cover all your medical costs. None of the standard Medicare Supplement 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.