Humana Medicare Supplement

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Humana Medicare Supplement

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humana medicare supplement plans

It can be extremely stressful if you rely only on Original Medicare coverage for all of your health care expenses. With Original Medicare, your benefits will only pay out around 80% of your health care costs. That leaves you on the hook to pay for the remaining 20%. This can add up real fast. Medicare Supplement plans or Medigap plans are made to fill in these gaps left by Original Medicare. 

Human Medicare Supplement insurance plans can help you pay for these health care expenses that you’re normally left to pay out of your own pocket.

In this article we’ll discuss:

humana medicare supplement

Humana Background

Humana Inc. is one of the biggest Medigap companies in the nation. They are located in Louisville, Kentucky. They were ranked 56th by Fortune 500 in 2018. Humana is the highest ranked company located in Kentucky (by revenue) and they’re the 3rd biggest health insurance carrier in the country.

Company Contact Information

Humana Medicare Supplement claims address:

Humana Claims
P.O. Box 14601
Lexington, KY 40512-4601

Humana Medicare Supplement phone number:

1 (844) 330-7799

Humana Financial Ratings

Humana gets high marks from several rating organizations. Please note that any “Not Available” (N/A) entry doesn’t mean that it’s a poor reflection on a company’s practices. It can simply mean that a carrier hasn’t been rated by that agency.

  • A.M. Best Rating: A-
  • Fitch Rating: BBB-
  • Standard & Poor’s Rating: N/A
  • Moody’s Rating: Baa3
  • Better Business Bureau Rating: A+

Humana medicare supplement rates

Premiums for Humana Medicare supplement plans vary depending on a several factors. These can include your location, gender, age, tobacco use and your health. To get an idea of accurate rates of the most popular Medigap plans F, G, and N we can provide you a custom quote. Get started by clicking on "GET QUOTES" on this page.

Humana Medicare Supplement

It’s so important for savvy Medigap shoppers to understand that all supplement plans are federally standardized. This can be explained by the following: Medigap plans must cover and provide the exact same benefits as other plans when comparing same plan letters. So a Plan N from Mutual of Omaha has the same exact benefits as a Loyal American or Aetna Plan N.

Shoppers are often unaware of this during the Medicare supplement buying process. Make sure you compare plan letters with each other before you end up buying your Medicare supplement plan.

Are you ready to look over Humana’s most popular Medicare supplement plans? Let’s get started:

Humana Medicare Supplement Plan F

Medicare shoppers will frequently gravitate to Humana Supplemental Plan F because of its comprehensive coverage. With Medicare Supplement Plan F, the major downside is that Plan F is the highest priced plan when compared to Plan N or Plan G.

Update:

As of January 1, 2020, Plans C, F and High Deductible F cannot be sold to those newly eligible for Medicare. Newly eligible is defined as anyone who: (a) attains age 65 on or after January 1, 2020

Medicare

Plan F Coverage

Medicare Supplement Benefits Plan F Covers?
Medicare Part A coinsurance & hospital costs (up to additional 365 days after medicare benefits are used Yes
Medicare Part B coinsurance or copayment Yes
Blood (first 3 pints) 3 Yes
Part A hospice care coinsurance or copayment Yes
Skilled nursing facility care coinsurance Yes
Part A deductible Yes
Part B deductible Yes
Part B excess charges Yes
Foreign travel emergency (up to plan limits) Yes

Humana medicare supplement plan g

Humana Medicare Supplement Plan G has become extremely popular the past few years. Humana Plan G provides you all of the insurance coverage and benefits of a Plan F, but you will need to pay for your own Part B deductible. With Humana Medicare supplement Plan G, you will be the one responsible for paying the Part B deductible. That’s the only difference compared to Medigap Plan F.

Medigap Plan G is an awesome choice because it can potentially save you a lot of money simply by having you pay the Part B deductible on your own. Also, Medigap Plan G has historically shown stable rate increases. That means the rate increases don’t have huge swings that sometimes occurs with other plans.

Plan G Coverage

Medicare Supplement Benefits Plan G Covers?
Medicare Part A coinsurance & hospital costs (up to additional 365 days after medicare benefits are used Yes
Medicare Part B coinsurance or copayment Yes
Blood (first 3 pints) 3 Yes
Part A hospice care coinsurance or copayment Yes
Skilled nursing facility care coinsurance Yes
Part A deductible Yes
Part B deductible Yes
Part B excess charges Yes
Foreign travel emergency (up to plan limits) Yes

Humana medicare supplement plan N

Humana Medicare Supplement Plan N can potentially provide huge savings which can be significant over time. 

Your Medicare Supplement Plan N, provides help with paying for all of your coverage gaps except for:

  • Part B deductible,
  • Some copayments when visiting doctors,  emergency rooms,
  • Excess charges.

Our humana medicare supplement reviews

At REMEDIGAP, we help Medicare shoppers everyday with education, guidance and old fashioned service. We first help you understand Medicare and then provide you all of your plan options that fits your budget and needs.

The plan options available will vary depending on your resident state. Give us a call if you need help finding out if a Humana Medicare Supplement plan (or another company) is right for you.

Don’t delay. Your decision very important. Call us today at 888-411-1329 to get a free quote or fill out our online quote form.

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