Medicare Supplement Plan F: Coverage Against Out-of-Pocket Medicare Excess Charges

Protection against high out-of-pocket costs

Senior smiling about the coverage from Medicare part F

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 co-payments 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

Plan Choices

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Medigap Benefits

Medicare Part A Coinsurance and Medigap Coverage for Hospital Benefits

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

Medicare Part B Deductible

Medicare Part B Excess Charges

100%

Foreign Travel Emergency (Up to Plan Limits)

At-Home Recovery (Up to Plan Limits)

Preventive Care Coinsurance (Included in the Part B Coinsurance)

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.

You can take advantage of health and fitness programs and the Humana Active Outlook^® Program, which help you make the most of life by keeping you healthy, active, and involved. Explore all the reasons to choose Humana.

*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 $1,900 for 2008 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.

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Last updated 10/1/2008