What Humana Medicare Supplement Plans Are Offered in 2021?

AT A GLANCE

·        Humana Medicare supplement (Medigap) plans help you pay Medicare coinsurance, copayments, and deductibles.

·        Humana Medicare supplement plans A through G have higher premiums and lower out-of-pocket medical costs.

·        Humana Medicare supplement plans K through N have lower premiums but higher out-of-pocket medical costs.

·        You can enroll in Plan C or Plan F only if you were first eligible for Medicare before January 1, 2020.

Some people who are enrolled in original Medicare (Part A and Part B) also have a Medicare supplement plan to help them pay their portion of Medicare costs. These plans can make it easier to predict what your medical expenses will be each year.

Medicare supplement plans, which are sometimes called Medigap policies or plans, are required to offer the same categories of coverage nationwide. Some insurers offer extra benefits as well.

Humana, one of the largest health insurance companies in the United States, sells Medicare supplement plans A, B, C, F, G, K, L, and N.

However, not every one of these plans is available in every market.

What services do Humana Medicare supplement plans cover? 

The basic benefits offered by each plan are standardized nationwide, with the exception of:

·        Minnesota

·        Massachusetts

·        Wisconsin

These states structure their supplemental plans differently.

Here’s an overview of what each plan offered by Humana covers.

	Plan A	Plan B	Plan C	Plan F	Plan G	Plan K	Plan L	Plan N
Part A coinsurance and hospital costs up to 365 days after Medicare benefits are used	yes	yes	yes	yes	yes	yes	yes	$50 copay for emergency room visits
Part B coinsurance/copays	yes	yes	yes	yes	yes	50%	75%	$20 copay for medical office visits
First 3 pints of blood	yes	yes	yes	yes	yes	50%	75%	yes
Part A hospice coinsurance/copays	yes	yes	yes	yes	yes	50%	75%	yes
Skilled nursing facility coinsurance	no	no	yes	yes	yes	50%	75%	yes
Part A deductible	no	yes	yes	yes	yes	50%	75%	yes
Part B deductible	no	no	yes	yes	no	no	no	no
Part B excess charges	no	no	no	yes	yes	no	no	no
Medical care outside the United States	no	no	yes	yes	yes	no	no	yes
2021 out-of-pocket limit	no	no	no	no	no	$6,220*	$3,110*	no

*Plans K and L pay 100 percent of your costs after you meet the deductible for the year.

Humana Medicare supplement plan extra benefits

Each Humana Medigap plan offers different benefits, so check the plan documents to find out whether the benefits that matter to you are included in plans you’re considering.

Extra benefits that some of Human Medicare supplement plans offer include:

·        dental care

·        vision care (including discounts)

·        memberships to fitness clubs

·        prescription drug discounts

·        HumanaFirst 24-hour nurse line

·        Lifeline medical alert system

·        My Humana health savings program

·        Well Dine meal delivery service (after hospital stays)

What Medigap plans does Humana offer?

All Humana Medicare supplement plans cover your Medicare Part A coinsurance, including coverage for an extra year of hospitalization beyond what Medicare covers.

Here’s a breakdown of the plans:

·        Plan A. Plan A includes coverage for Medicare Part B coinsurance, copays, cost of blood if a transfusion is necessary, and hospice care copays and coinsurance.

·        Plan B. This has the same coverage as Plan A but also covers your Part A deductible.

·        Plan C. Plan C is the same coverage as Plan B but adds coverage for your Part B deductible and up to 80 percent of your costs for medical care when you’re outside the country. This plan is available only to those who were eligible for Medicare before January 1, 2020.

·        Plan F. Similar coverage as Plan C but also covers Part B excess charges. Plan F’s high-deductible option has a lower premium cost, but the plan won’t begin paying your costs until you’ve met the annual deductible. This plan is also only available to those new to Medicare before 2020.

·        Plan G. Plan G offers the same coverage as Plan F, but without coverage for your Part B deductible. It’s a good option for those seeking maximum coverage but are not eligible for plans C or F.

·        Plan K. Plan K pays up to 50 percent of your costs after you meet the deductible and has low monthly premiums.

·        Plan L. This plan pays up to 75 percent of your costs after you meet the deductible and also has low monthly premiums.

·        Plan N. Plan N offers the same coverage as Plan A but also pays many of your Part B costs with only a few small copays.

https://www.healthline.com/health/medicare/humana-medicare-supplement#plans-offered