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Medicare Supplement Plan F
Protection against high out-of-pocket costs
Plan F is the only Humana Medicare Supplement insurance plan that covers costs known as Medicare excess charges. An excess charge is the difference between what a doctor or provider charges and the amount Medicare will pay. This plan will help protect you from additional out-of-pocket expenses should you need treatment that exceeds what Medicare will approve. Plan F also has a high-deductible option*.
Medicare Supplement Plan F
With Humana's Medicare Supplement Plan F, you get the most complete coverage available. Because the plan covers costs in excess of Medicare-approved amounts, you will likely have no out-of-pocket costs for hospital and doctor's office care with this plan.
Medicare Supplement Plan F covers:
- Basic benefits including
- Hospitalization: pays Part A coinsurance plus coverage for 365 additional days after Medicare benefits end
- Medical Expenses: pays Part B coinsurance – generally 20 percent of Medicare-approved expenses – or copayments for hospital outpatient services
- Blood: pays for the first three pints of blood each year
- Skilled nursing facility care
- Medicare Part A deductible for hospitalization
- Medicare Part B deductible for medical and hospital outpatient expenses
- Medicare Part B excess charges (This is the difference between what a doctor or provider charges and the amount Medicare will pay up to Medicare's limiting amount)
- Travel-abroad medical emergency help
| 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
The programs described are not insurance and are neither contractually offered nor guaranteed under Humana Medicare Supplement insurance policies.
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* 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.
*Plan F also has a high-deductible option. If you choose the high-deductible option on Medicare Supplement Plan F, you have to pay a deductible of $2,000 for 2009 before the plan pays anything. This amount can go up each year. High-deductible policies have lower premiums, but if you become sick, you'll have higher out-of-pocket costs. If you live in Louisiana, you may be eligible for Medicare Select Plan F.