Humana
Medicare Supplement Plans

As
a Fortune 100 company with a nearly 50-year history in the health industry, Humana
One is committed to offering valuable benefits, outstanding wellness
programs, and reliable customer service. While Humana is better known for
offering Part D prescription coverage, they also offer Medicare Supplement (Medigap)
plans in many states.
Online
quotes are not yet available for Humana One Medicare Supplement (Medigap) plans.
To obtain a quote, you should call MediGap
Advisors at 866-323-1441.
The chart below
shows the benefits included in each of the twelve standard Medicare Supplement
(Medigap) plans.
|
Features
|
A
|
B
|
C
|
D
|
E
|
F
|
G
|
K
|
L
|
M
|
N
| | Part
A Hospital Coinsurance |
|
|
|
|
|
|
|
|
|
|
| | Lifetime
Reserve Days |
|
|
|
|
|
|
|
|
|
|
| | 365
More Hospital Days |
|
|
|
|
|
|
|
|
|
|
| | Parts
A and B Blood |
|
|
|
|
|
|
|
50%
|
75%
|
|  |
| Part
B Coinsurance |
|
|
|
|
|
|
|
50%
|
75%
|
|  |
| Part
A Hospice Coinsurance |
|
|
|
|
|
|
|
50%
|
75%
|
|  |
| Skilled
Nursing Coinsurance |
-
|
-
|
|
|
|
|
|
50%
|
75%
|
|  | | Part
A Deductible $1,100 in 2010 |
--
|
|
|
|
|
|
|
50%
|
75%
|
50%
|
| Part
B Deductible $155 in 2010
(execept for
$20 copay for office visits and a $50 copay for Emergency Room visits) |
--
|
-
|
|
-
|
-
|
|
-
|
-
|
-
|
-
|
-
| | Part
B Excess |
--
|
--
|
-
|
-
|
-
|
|
|
-
|
-
|
-
|
-
| | Foreign
Travel Emergency |
--
|
--
|
|
|
|
|
|
-
|
|
|
| | Out
of Pocket Limits |
-
|
-
|
-
|
-
|
-
|
-
|
-
|
$4,620
|
$2,310
|
-
|
-
| |
Plan
F also has high deductible options, which some companies may offer. These
high deductible plans pay the same benefits as Plan F and J after one has paid
a calendar year $2000 deductible. Benefits from high deductible Plans
F will not begin until out-of-pocket expenses exceed $2000.
Plans K through N provide for different cost-sharing for items and services
than Plans A through G. With Plans K and L, once you reach your annual
"out-of-pocket limit," the plan will then pay 100% of the Medicare
co-payment, co-insurance and deductibles for the rest of the calendar year.
The out-of-pocket limit does not include charges for any provider that exceeds
Medicare-approved amounts, known as "excess charges." The annual
out-f-pocket limits for these plans in 2010 are $4620 for Plan K, and $2310
for Plan L. With
Plan M you pay 50% of your Part A Deductible, as well as the entire Part B deductible
($155 in 2010). Plan N pays all of your Part A Deductible, and you pay the entire
Part B deductible ($155 in 2010) plus a $20 copayment for office visits and
a $50 copayment for Emergency Room visits. After
the Medicare Supplement plan is mailed or delivered, you have a 30-day free
look to examine the plan and to decide if you want to keep it. If you
return the plan within 30 days, all of your money will be refunded. Note:
Not all plans are available in all states. Run an instant
quote to see plans in your area, or contact
us for your available options.
How to Apply
Once
you decide on a plan, contact us
and we will email you an application. Then simply complete the application
and fax it to us toll-free at 888-771-0010. Mail the original copy
of your application*, along with a check for the first month's premium to: MediGap
Advisors
1001-A E. Harmony Rd., Suite
519
Fort Collins, CO 80525
Attn: New Enrollments *
If paying via bank draft, you do not need to mail your application Before
submitting your application, be sure that you: - Complete
all forms in full and sign them.
- Make sure to
use the correct application for your state.
- If you are
not applying during an open enrollment period, be sure to answer all health questions.
- Include a check,
money order or cashiers check in the amount of the premium for the mode selected,
or the bank draft authorization, if premiums are to be drafted, submitted along
with your application. All checks should be made payable to Humana One.
If
you have any questions, call 866-323-1441 and we'll give you a quick answer
or assign someone on our team to be your own personal MediGap
Advisors. About
Humana One Humana
One is a division of Humana Inc., one of the nation's largest publicly traded
health benefits companies, with over 11 million medical members as of 2008.
Humana Inc., founded in 1961 in Louisville, Kentucky, is a Fortune 100 company.
With a customer base of over 11.5 million in the United States, the company is
the largest (by revenues) Fortune 100 company headquartered in the Commonwealth
of Kentucky, and has $25.2 billion in annual revenue, and over 26,000 employees
nationwide. Humana markets its health insurance services in many states
throughout the U.S., D.C., and Puerto Rico, as well as interests in Western Europe. Humana
One is rated "A-" (Excellent)
by the A.M.
Best Company, an independent insurance rating organization. MediGap
Advisors
is an independent Humana One producer. |