Humana Medicare Supplement Plans
Humana Medicare Supplement plans offer coverage for healthcare costs that Original Medicare does not pay. These include deductibles and coinsurance. It is important to enroll in your Medicare Supplement plan during the Open Enrollment Period. Otherwise, you may face underwriting questions or be denied coverage.
Humana is a well-established Medicare Supplement provider with a solid reputation. Humana Medicare Supplement Plans F, G, and the high-deductible Plan F are available in many locations and have some of the lowest premiums we’ve seen. They also offer a wide variety of extra benefits, such as the SilverSneakers fitness program and household discounts for multiple enrollees on the same Medicare Supplement plan. The company also offers Medicare Advantage Plans (Medicare Part C), which include all the benefits of original Medicare in a single plan. These plans often offer valuable additional coverage, such as prescription drug coverage and dental, vision, and hearing care.
Humana Medicare Supplement Plan G is a great choice for those who want maximum coverage at a lower cost. It covers most of the same things as Plan F, except for the Part B deductible. In addition, it has lower monthly premiums than Plan F and its counterparts. You can also get a free quote by entering your zip code on Humana’s website. The site allows you to select up to three plans and compare them side-by-side in a clear, intuitive way. You can also call a licensed agent to request quotes and help you make the best decision for your situation. Humana Medicare supplements are portable, which means that they follow you across the country. They are also guaranteed renewable, unless you change your mind or lose eligibility for the policy.
Humana offers Medicare Supplement Plans in 47 states and Washington, D.C. The only states where they do not offer a full range of options are Minnesota, Massachusetts, and Wisconsin because those states have different Medicare Supplement Insurance standards. All Humana Medicare Supplement Insurance plans are standardized, meaning that the coverage is the same regardless of your chosen insurance company.
Plan F
Medicare Supplement Plan F provides comprehensive coverage that minimizes out-of-pocket costs. However, it doesn’t cover the Medicare Part B deductible, so you may want to consider a separate prescription drug plan for this purpose. In addition, Medicare supplement insurance policies are standardized and only available to individuals who became eligible for Medicare before January 1, 2020. After that date, insurers must use medical underwriting to determine whether you’re a good candidate for a plan and can charge higher rates or deny coverage based on pre-existing conditions.
Plan G
Humana Medicare Supplement Plan G is a great choice for those who want maximum coverage at a lower cost. It covers most of the same things as Plan F, except for the Part B deductible. In addition, it has lower monthly premiums than Plan F and its counterparts. You can also get a free quote by entering your zip code on Humana’s website.
Humana’s Medicare Supplement insurance rates vary by state and region, but the company generally has competitive rates. The average monthly rate for new members is around $400, with a high-deductible version available in some states. The company also has a long history of financial stability. It has received top marks from rating agencies, including A.M Best, Standard and Poor’s, and Moody’s.
