Humana Medigap Plans

Humana offers a variety of Medicare plans, including Medigap supplement plans, also known as Medigap. The company’s Medigap lineup includes Medigap Plan A, B, C, F, G, K, L and N. Because Medigap policies are standardized in all but three states, you’ll find the same coverage from Humana as you would from another company no matter where you live. The difference lies in cost, company and service. That’s also not to say that you will find every plan type in every area. Plan availability and cost vary based on where you live, among other factors. Here’s an overview of Humana Medigap plans.

Humana Medigap Plan A

Medigap Plan A covers basic extras that aren’t covered by your original Medicare policy. Under original Medicare, you’re responsible for copayments or coinsurance for medical and hospital services. Medigap Plan A covers these along with additional benefits, which could help you save money if you need to spend more time in the hospital.

Benefits under Medigap Plan A Include:

• Medicare Part A coinsurance and coverage for hospital benefits
• Medicare Part B coinsurance or copayments
• Coinsurance or copayments for hospice care
• The first three pints of blood in a medical procedure

Medigap Plan A covers any coinsurance or additional costs that you’d have to pay during hospitalization. Days 61 to 90, for example, require a daily coinsurance amount of $389 in 2022 under Original Medicare, which can add up. With Medigap Plan A in place, you wouldn’t need to worry about those additional costs. Plus, Plan A also covers an additional 365 days of hospital benefits after original Medicare Part A benefits end.

Humana offers different types of Plan A coverage, including some with dental and vision benefits, something original Medicare doesn’t cover. Availability and how much a Medigap Plan A costs will depend on where you live and other factors.

Humana Medigap Plan B

Medigap Plan B covers the same benefits as Plan A with an extra benefit for hospital services.

Benefits under Medigap Plan B Include:

• Medicare Part A coinsurance and coverage for hospital benefits
• Medicare Part B coinsurance or copayments
• Coinsurance or copayments for hospice care
• The first three pints of blood in a medical procedure
• Medicare Part A deductible

Plan A and B share similar features, but it’s important to note that Medigap Plan A does not cover the deductible for original Medicare Part A. Medigap Plan B does. In 2022, that deductible is $1,556. Before Part A covers any hospital benefits, you’ll have to pay the deductible. If you have a Medigap policy in place that pays for the deductible, then you won’t have to worry about covering that cost. Medigap Plan B does not cover the Part B deductible.

Plan B isn’t available everywhere, even in places where other Humana Medigap policies are sold. As with Plan A, availability and pricing depend on where you live, your gender, age and other factors.

Humana Medigap Plan C

For people who want or need additional coverage beyond the basics offered by Medigap Plans A or B, Medigap Plan C includes benefits that may meet your needs. This is a good option for people who need a lot of medical care and plan to see providers who accept Medicare assignment (Medicare payment for services).

Note: Medigap Plan C is no longer available to new Medicare enrollees as of January 1, 2020. If you were eligible for Medicare before this date, you may be able to enroll in Plan C, and you can keep it in place if you have it already. But new members aren’t eligible for this plan as of 2020.

Medigap Plan C Covers:

• Medicare Part A coinsurance and coverage for hospital benefits
• Medicare Part B coinsurance or copayments
• Coinsurance or copayments for hospice care
• The first three pints of blood in a medical procedure
• Medicare Part A deductible
• Coinsurance for skilled nursing facility care
• Medicare Part B deductible
• Foreign travel emergencies up to plan limits

Because this plan covers the deductibles for both Medicare Parts A and B, it’s a good option for people who are eligible and who know they’ll be spending a lot of time in the doctor’s office or a hospital for the year. It covers all the same benefits as A and B, plus the Part B deductible, coinsurance for skilled nursing care and foreign travel emergencies up to the plan limit.

In 2022, the Part B annual deductible is $233, which is what you’ll need to meet before Part B benefits start. Medigap Plan C pays this deductible along with the 20 percent coinsurance rate that you would typically pay for Part B services, making Plan C a valuable investment for people who need a lot of care. Note that Plan C does not cover Part B excess charges, which are the costs that you might get billed for if you see a doctor who doesn’t accept Medicare assignment (the Medicare-approved amount) for certain medical services.

Price and availability vary for Medigap policies, meaning not all plans are available in every state, even among the same companies.

Humana Medigap Plan F

Among Medigap supplement policies to original Medicare, Medigap Plan F offers the most supplemental coverage available. With this plan, most – if not all – of your out-of-pocket costs will be eliminated thanks to this plan’s comprehensive coverage.

But like with Plan C, Plan F is no longer available to new Medicare enrollees as of January 1, 2020. If you had it in place before this date or were eligible for Medicare before 2020, you may still be able to enroll in Plan F. But newly eligible Medicare enrollees can’t get Plan F.

Medigap Plan F Covers:

• Medicare Part A coinsurance and coverage for hospital benefits
• Medicare Part B coinsurance or copayments
• Coinsurance or copayments for hospice care
• The first three pints of blood in a medical procedure
• Medicare Part A deductible
• Coinsurance for skilled nursing facility care
• Medicare Part B deductible
• Foreign travel emergencies up to plan limits
• Medicare Part B excess charges

Though it only covers one more benefit compared to Plan C (Medicare Part B excess charges), Plan F is a significant upgrade in terms of coverage – that is, of course, if you need this level of coverage. Not everyone does. That’s because Medicare excess charges might be substantial for people whose doctors don’t accept Medicare assignment.

Under original Medicare, a doctor who accepts assignment – i.e., agrees to the price that Medicare deems appropriate for certain services – will charge that amount to you, the patient. You will, in turn, pay 20 percent of that cost while Medicare picks up the other 80 percent. Some doctors don’t agree to accept assignment, and they’re allowed to charge an additional percentage above the Medicare-approved price. But Medicare will only pay what it considers appropriate, leaving patients responsible for the so-called “excess charge,” the cost difference between a provider’s bill and what Medicare will pay. That’s where Plans F and G come in. Both these plans cover Medicare Part B excess charges.

And since Plan F also covers the Part B deductible and coinsurance, you won’t likely face any out-of-pocket costs for your medical care beyond the premium that you pay for the coverage in the first place.

Humana offers the standard Plan F plan as well as a high-deductible version, and in some areas, a Medicare Select Plan F is also available. Plan availability and pricing vary.

Humana Medigap Plan G

Medigap Plan G covers everything that Medigap Plan F covers, minus the Medicare Part B deductible. Other than this exception, Plan G mirrors Plan F, making it a good choice for people who will need a lot of care but don’t mind paying the Part B deductible. It’s also a good option for people who aren’t eligible for Plan F.

Medigap Plan G Covers:

• Medicare Part A coinsurance and coverage for hospital benefits
• Medicare Part B coinsurance or copayments
• Coinsurance or copayments for hospice care
• The first three pints of blood in a medical procedure
• Medicare Part A deductible
• Coinsurance for skilled nursing facility care
• Foreign travel emergencies up to plan limits
• Medicare Part B excess charges

The other upside to Plan G is that it tends to cost much less than Plan F, especially as Plan F becomes more obsolete going forward. Pricing and availability will, of course, depend on where you live and your specific circumstances.

Humana Medigap Plan K

Medigap Plans K, L and N cover many of the same benefits as the plans outlined above but with cost-sharing included. This means that instead of 100 percent coverage for the Part A deductible, for instance, you might be responsible for half of the cost. The tradeoff is a lower premium and an out-of-pocket cap (for K and L).

Medigap Plan K Covers:

• Medicare Part A coinsurance and coverage for hospital benefits
• 50% of Medicare Part B coinsurance or copayments
• 50% of coinsurance or copayments for hospice care
• 50% of the first three pints of blood in a medical procedure
• 50% of Medicare Part A deductible
• 50% of coinsurance for skilled nursing facility care

Plan K offers the same peace of mind that many supplemental plans afford, letting you off the hook for a portion of your out-of-pocket expenses but without the higher price tag of more comprehensive plans. Under Plan K, you’ll also have an out-of-pocket cap that keeps costs in check. This cap is set by the federal government and changes each year.

Humana Medigap Plan L

Similar to Plan K, Medigap Plan L covers a portion instead of the full amount of costs like the Part B coinsurance, but the percentage is higher with these plans. Monthly premiums are also slightly higher.

If you buy a Medigap Plan L policy with Humana, you can expect the following coverage:

• Medicare Part A coinsurance and coverage for hospital benefits
• 75% of Medicare Part B coinsurance or copayments
• 75% of coinsurance or copayments for hospice care
• 75% of the first three pints of blood in a medical procedure
• 75% of Medicare Part A deductible
• 75% of coinsurance for skilled nursing facility care

Medigap Plan L also includes an out-of-pocket cap, but the cap is much lower than it is with Plan K. As with Plan K, the out-of-pocket cap changes each year and it’s set by the federal government.

Humana Medigap Plan N

Those who want the benefit of supplemental plans without the robust coverage (or price tag) of Plans F and G should consider Medigap Plan N. These plans cover the same basic benefits that all Medigap supplement plans do, plus a few extras that make them attractive, especially considering the lower monthly premium.

Humana Medigap Plan N Policies Cover:

• Medicare Part A coinsurance and coverage for hospital benefits
• Medicare Part B coinsurance or copayments – with a caveat
• Coinsurance or copayments for hospice care
• The first three pints of blood in a medical procedure
• Medicare Part A deductible
• Coinsurance for skilled nursing facility care
• Foreign travel emergencies up to plan limits

Medigap Plan N covers Part B coinsurance and copayments with one significant caveat. If you choose this plan, you’ll have to pay a $20 copay for office visits and a $50 copay for ER visits. The plan will pay for all other Medicare-approved Part B coinsurance amounts.

To get an accurate idea of what you might pay for a Humana Medicare Advantage plan, make sure you get a quote based on where you live.