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Medicare Supplement Plans K and L
Help manage your expenses
Plans K and L offer most of 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 plans. Each plan does 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 copayments and a higher annual out-of-pocket limit.
Medicare Supplement Plan K
With Humana's 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
- 50% Hospice out-of-pocket cost sharing
- 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%
- 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)
Humana's Medicare Supplement Plan L
Humana's Medicare Supplement Plan L is another option if you want a Medicare Supplement 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,a slightly higher monthly premium.
Medicare Supplement Plan L coverage:
- 100% coverage for Part A hospitalization coinsurance, plus coverage for 365 days after Medicare benefits end
- 75% Hospice out-of-pocket cost sharing
- 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%
- 75% coverage for Skilled Nursing Facility coinsurance
- 75% coverage for your Medicare Part A deductibles
- $2,310 out-of-pocket annual limit*
| Medigap Benefits | A | B | C | F | K | L |
| Medicare Part A Coinsurance and Medigap Coverage for Hospital Benefits | X | X | X | X | X | X |
| Medicare Part B Coinsurance or Copayment | X | X | X | X | 50% | 75% |
| Blood (First Three Pints) | X | X | X | X | 50% | 75% |
| Hospice Care Coinsurance or Copayment | 50% | 75% | ||||
| Skilled Nursing Facility Care Coinsurance | X | X | 50% | 75% | ||
| Medicare Part A Deductible | X | X | X | |||
| Medicare Part B Deductible | X | X | ||||
| Medicare Part B Excess Charges | 100% | |||||
| Foreign Travel Emergency (Up to Plan Limits) | X | X | ||||
| At-Home Recovery (Up to Plan Limits) | ||||||
| Preventive Care Coinsurance (Included in the Part B Coinsurance) | X | X | X | X | X | X |
Extras for Humana Medicare Supplement plan members**
You can take advantage of health and fitness programs and Humana Active Outlook®, which help you make the most of life by keeping you healthy, active, and involved. Explore all the reasons to choose Humana.
* The out-of-pocket annual limit will increase each year for inflation.
** The programs described are not insurance and are neither contractually offered nor guaranteed under Humana Medicare Supplement insurance policies. They may be discontinued at any time and as appropriate and may be subject to geographic availability.