Humana Medicare Supplement Plans

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Humana Medicare Supplement Plans Logo
Medicare Supplement Medigap Insurance Company Plan logos

As a Fortune 100 company with a nearly 50-year history in the health industry, Humana 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 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 ten standard Medicare Supplement (Medigap) plans.

Features
A
B
C
D
F
G
K
L
M
N
 Part A Hospital Coinsurance
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
 Lifetime Reserve Days
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
 365 More Hospital Days
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
 Parts A and B Blood
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
50%
75%
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
 Part B Coinsurance
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
50%
75%
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
 Part A Hospice Coinsurance
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
50%
75%
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
 Skilled Nursing Coinsurance
-
-
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
50%
75%
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
 Part A Deductible $1,100 in 2010
--
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
50%
75%
50%
Blue Cross Blue Shield Medicare Supplement Policy Feature
 Part B Deductible $155 in 2010
(except for $20 copay for office visits and a $50 copay for Emergency Room visits)
--
-
Blue Cross Blue Shield Medicare Supplement Policy Feature
-
Blue Cross Blue Shield Medicare Supplement Policy Feature
-
-
-
-
-
 Part B Excess
--
--
-
-
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
-
-
-
-
 Foreign Travel Emergency
--
--
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
-
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
 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.

Deductible - Part A $1132 (appears twice in the benefit grid); Part B $162

With Plan M you pay 50% of your Part A Deductible ($1132 per benefit period), as well as the entire Part B deductible ($162 in 2011). Plan N pays all of your Part A Deductible, and you pay the entire Part B deductible ($162 in 2011) 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 for Humana Medigap Plans

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 866-284-0082.  Mail the original copy of your application*, along with a check for the first month's premium to:

MediGap Advisors
Application Processing Department
194 Treasure Lake
DuBois, PA 15801

* If paying via bank draft, you do not need to mail your application

Before submitting your application, be sure that you:

  1. Complete all forms in full and sign them.
  2. Make sure to use the correct application for your state.
  3. If you are not applying during an open enrollment period, be sure to answer all health questions.
  4. 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.

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

Humana 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 is rated "A-" (Excellent) by the A.M. Best Company, an independent insurance rating organization. 

MediGap Advisors is an independent Humana producer.

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