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.