Humana Medigap Plans Review

Pros and Cons of Humana’s Medicare Supplement Plans

Overview of Humana’s Medigap Plans

*Medigap Plans F and G also offer a high-deductible option in some states.
**Plan N has a $20 copay for office visits; $50 copay for ER.

Extra Perks for All Humana Plans

Humana is best for aging adults seeking cost-effective, widely accepted plans with extra perks like discounts on vision, hearing, prescription, and fitness programs. However, unlike Blue Cross Blue Shield, plans do not come with an add-on for dental. As a Humana Medicare supplement policyholder, you get access to the additional services and discounts below at no extra cost:

• SilverSneakers fitness program
• Hearing aids and services discount
• Prescription medicine discount
• Vision care discount
• 24/7 registered nurse hotline

Which Humana Medigap Plan Is Right for Me?

Let’s take a look at the different Medigap plans and who they’re best for so you can decide which Humana plan fits your needs.

Seniors Who Need Basic Coverage but Not Extensive Health Care Services

Medigap Plans A and B are designed to help cover coinsurance and costs for basic needs not paid by Medicare Parts A and B, such as unexpected medical expenses, hospice care, or extended hospital costs. While you save money with these plans since you are not paying for coverage you don’t use, you may have to deal with a few out-of-pocket expenses. Plan B adds a bit more coverage for hospitalization.

Those Who Travel and Have the Budget to Pay for More Comprehensive Coverage

Medigap Plan G has all the benefits of Plans A and B, plus coverage for skilled nursing facility care coinsurance, your Part A deductible for hospitalization, and your Part B excess charge. Plan G also covers medical emergency help (up to plan limits) when you’re traveling out of the country. Bear in mind Plan G does not include your Medicare Part B deductible ($185 in 2025).1 It’s worth doing the math to see if your rate generated for Plan G will save you money.

If you were eligible for Medicare before Jan. 1, 2020, another comprehensive Medigap option is Plan C. This plan helps keep your monthly expenses consistent, as Plan C covers most Medicare-approved medical expenses. Plan C comes with the added benefit of covering your Medicare Part B deductible. However, Medicare’s Part B excess charge is not covered.

Older Adults Looking for the Most Complete Coverage Available

Plans F and G are the only two Medigap plans that cover 100 percent of Medicare Part B excess charges. This protects you from additional expenses for treatments that exceed Medicare approval. Both Plan F and Plan G include all of the benefits of Plans A and B, plus skilled nursing facility care, Medicare Part A deductible, and international travel emergency help. Plan G is among the most popular Medigap plans; it covers all gaps in Medicare except the Part B deductible.2

Plan F also has a high-deductible option with a lower premium but note that the deductible is not fixed and can go up each year. Keep in mind Medicare Plan F and High Deductible Plan F are only available to Medicare beneficiaries who were eligible for Medicare before Jan. 1, 2020.

Seniors on Tight Budgets Who Don’t Need Frequent Doctor Visits

Medicare Plans K and L offer lower premiums for less coverage. You get the same basic benefits but with less coinsurance and copayment coverage. On the other hand, you are protected by out-of-pocket maximums that limit the amount you may pay each year. After that maximum is reached, the plan pays 100 percent of Medicare-approved costs for the remainder of the year. These plans give peace of mind in case of serious illness or accident. Plan K offers a lower premium than Plan L, but it has higher coinsurance amounts and annual out-of-pocket maximums.

Plan N is similar to Plans K and L in that it maintains a lower premium than other plans, but it offers more coverage than K and L. Plan N covers 100 percent of your Medicare Part B coinsurance costs, but you will have a $20 copay for office visits, and a $50 copay for ER visits. All three of these plans may be attractive Medigap plan options for healthy seniors who will rarely use their Medicare benefits.

Still deciding if a Medigap plan is right for you? Watch our video below with insider tips from Medicare expert Danielle Roberts to learn about the benefits of Medigap.

How Much Do Humana Medigap Plans Cost?

All 10 Medigap plans are federally standardized. This means the benefits included under Medigap Plan A are the same whether you live in Connecticut or Colorado. However, Medigap pricing is based on several key factors, including location. For example, New York, Connecticut, and Maine3 tend to have the costliest Medigap premiums; Hawaii, Wisconsin, and Iowa have the cheapest yearly costs.4 In addition to location, your Medigap plan premium may be affected by the following:

1. Age
2. Gender
3. Marital status
4. Medigap carrier and plan selected
5. Community-rated or attained-age pricing
6. Smoking status
7. Time of enrollment

We’ve queried four popular Medigap plans for a snapshot of how Medigap pricing varies. Rates are based on a nonsmoking 65-year-old female and male located in Delaware (ZIP code 19803). Knowing when you’re eligible for a Medigap policy is crucial as your premium may be considerably higher outside of open enrollment. In the chart below, we’ve included standard rates (when you enroll outside of the initial enrollment period). Keep in mind: Rates can vary greatly from person to person, and the prices below are only an example. You can also save $2 on monthly premiums If you pay by either ACH or credit card.

*Rate shown includes Humana’s online enrollment discount.

How to Buy a Humana Medigap Policy

Humana earns high marks for its user-friendly online enrollment process. It’s easy to research and compare Humana’s Medigap plan options side by side. Need a bit of extra assistance? You can contact a licensed Humana sales agent daily from 8 a.m. to 8 p.m. (for comparison, Blue Shield Blue Cross agents are available 24/7). You can also schedule an appointment online for an agent to call you back. We appreciate that Humana offers an online enrollment option; Colonial Penn, another carrier we’ve reviewed, requires you to get a quote and enroll over the phone.

Below is a step-by-step guide to enrolling in a Humana medigap plan online.

1. Use the ZIP code search on Humana’s website to find what is available in your area. You may also need to enter the county where you reside.
   

   Humana ZIP code page

2. Then, you’ll need to plug in basic information to get a personalized quote with specific pricing. Once you input this information, you’ll be able to see a quote for all of the available Medigap plans for easy comparison.
   

   Entering information for a Humana quote

3. Next, you’ll be directed to a page that lets you compare all the Humana plans available in your area. Review the plan benefits to zone in on your preferred plans. Click on the “See outline of coverage” button for each Medigap plan’s full explanation of benefits. If you decide to enroll in a Humana Medicare supplement plan, click the “Enroll” button.
   

   Comparing Humana plans based on ZIP code

4. After clicking the “Enroll” button, carefully review your personal information, eligibility, payment schedule, and Humana’s agreements. You’ll need to input your Medicare ID number, so have your card on hand.
   

   Humana enrollment page

Humana vs. the Competition

Humana offers eight plans with competitive prices, but it’s always a good idea to compare your options. Here’s how Humana compares to competitors:

Humana vs. Colonial Penn

Humana lets customers enroll — and provides pricing — online, unlike Colonial Penn, which requires you to call an agent. Plus, you get a 6 percent online enrollment discount and other benefits. Colonial Penn only offers seven Medigap plans, unlike Humana, which offers eight to choose from. Visit our Colonial Penn Medigap review for more details.

Humana vs. Aetna

Aetna offers a 7 percent household discount compared to Humana’s 5 percent household discount. But Aetna only offers seven Medigap plans to choose from compared to Humana’s eight plans. Humana offers plans in most states, while Aetna does not offer plans in Alaska, Connecticut, Hawaii, Maine, Massachusetts, New York, Washington State, or Washington D.C. Read our latest review of Aetna’s Medigap plans to learn more.

Humana vs. Cigna

Humana and Cigna both offer an online enrollment discount, but Cigna’s is 5 percent. However, Cigna does beat Humana with a 7 percent household discount. One downside to Cigna is that they only offer four Medigap plans compared to Humana’s eight. Both Humana and Cigna have 24/7 access to health advocates, which is a big plus. Head to our Cigna Medigap review for more information.

Our Methodology

Our team spent over 50 hours conducting an in-depth assessment of Humana's Medigap insurance offerings. We considered pricing structures, overall value, customer service quality, and customer feedback to get a well-rounded evaluation. Here’s an overview of the key criteria we analyzed:

• Cost and premiums: We thoroughly assessed Humana’s monthly premiums against the rates of other companies. Our team considered additional expenses such as out-of-pocket costs, like copayments and deductibles, as well as specific methods used to determine premium rates. The latter includes issue-age, community, and attained-age ratings.
• Plan options and coverage: Not all insurance companies offer all 10 plans. We evaluated Humana’s offerings as well as nationwide availability and compared them to other insurance carriers.
• Customer support: We considered customer service modes of contact and availability, along with ease of signing up and support with enrolling. We also evaluated customer reviews and complaints.
• Additional perks: All insurance companies offer a number of Medigap plans. But, some offer extra perks like discounts on vision, dental, prescriptions, or fitness membership. We researched and evaluated the extra perks that Humana offers.

Final Thoughts on Humana

Humana has competitive rates and wallet-friendly enrollment discounts. The company’s size allows them to offer a few more bells and whistles compared to smaller companies like Colonial Penn. Humana helps beneficiaries optimize their health with extensive wellness discounts and a free fitness membership. The ability to customize your coverage with add-ons like vision, hearing, and prescription discounts is a noteworthy benefit. Overall, the options and price points make Humana a solid choice for your Medigap needs.