Medicare Supplement plans from Humana can be a great way to help fill in the gaps in your Medicare coverage. There are many different plan options available, so it’s important to do your research and find the plan that best fits your needs. In this article, we will review some of the Top Humana Plans. Some of which are Supplement Plans, and discuss the benefits they offer.

Humana

Humana offers a range of Medicare Supplement Insurance (also called Medigap) plans at affordable rates. Costs are about average compared to competitors, ranging from $120 to $314 per month for Medigap Plan G. Humana offers useful add-ons such as vision and hearing discounts, but the rate of customer complaints is higher than typical.

what-is-Medicare-Supplement

Why Are They a Good Choice?

Humana’s Medicare Supplement plans can help you reduce your portion of health care costs beyond what’s provided by Original Medicare. Humana’s Medigap plans are moderately priced, and there is a good selection of plan options.

Plus, Humana’s Medicare Supplement plans have add-on benefits including discounts on vision, hearing, and Lifeline medical alert, which can be a key resource for aging at home. Plans also include the popular SilverSneakers fitness program.

Humana at a glance

Humana Medigap doesn’t include any dental benefits. However, you can choose to enroll in a Humana dental insurance policy that has a large network of dentists and no waiting periods for most dental services.

Humana does have a higher rate of complaints than is typical for an insurer of its size. This is an important factor to consider because customer service is a key way to differentiate between providers offering standardized Medigap policies. However, Humana’s wide availability, useful add-on benefits, and reasonable rates mean that Humana Medicare Supplement plans are still a good choice for many people.

Plans and Features

Humana is one of the largest insurance companies in the U.S., and the company offers Medicare Supplement plans in all 50 states.

The coverage for each Medicare Supplement plan is consistent across all insurance companies. This means a Humana plan will have the same medical cost-sharing benefits as a plan you get from another company.

Humana offers all plan options except for Plan D and Plan M. For those specifically seeking these plans, a good alternative is Plan G, which is our recommendation for the best overall coverage, and it covers 100% of skilled nursing facility coinsurance. If you specifically want Plan D or M, you can also consider one of our best-rated Medicare Supplement companies.

In addition to the standard Medicare benefits, such as being able to go to almost any doctor or medical facility, Humana policyholders also get access to the following programs:

  • Telemedicine
  • 24/7 nurse line
  • Vision discount through EyeMed
  • Discounts on hearing aids and services
  • Drug discount program
  • SilverSneakers fitness program
  • Discount on Jenny Craig
  • Discount on Lifeline medical alert (fall-detection and on-demand help)
  • MyHumana app to review claims or find health information
  • Meal delivery program after an overnight stay at a hospital or nursing facility
Medicare Advantage

Do Options Change After Initial Enrollment?

The best time to sign up for a Medicare supplemental plan is during your initial enrollment period when you turn 65. Otherwise, your application will go through a different underwriting process.

Humana Medigap changes after initial enrollment:

  • Higher monthly premiums: During your initial enrollment period, Humana offers preferred pricing. If you sign up after this, you’re only eligible for standard pricing rates, which average about 15% higher in Texas.
  • Coverage denials for preexisting conditions: If you sign up after the initial enrollment period, your application can be denied during Humana’s underwriting process, and the company denies the application on the spot for conditions such as HIV, dementia, uncontrolled diabetes, heart disease and more.

After your initial enrollment period, you could qualify for guaranteed issue rights in certain circumstances such as when you move or if a plan is no longer available to you. Only four states have guaranteed issue rights during annual open enrollment or at other times during the year.

If you would like to get a quote for a Humana plan in your area. Go on the website and click on Humana. Or give us a call at 1-800-339-4112