Humana Medicare Supplement Plans – 2026 Guide
Humana Medicare Supplement Plans offer competitive pricing, broad plan selection, and valuable added benefits for Medicare beneficiaries.
Humana has offered health insurance plans for over 50 years. For those eligible for Medicare, Humana Medicare plans offer options that expand and coordinate with Medicare benefits..
— Plans
Humana Medicare Supplement Insurance Plans
Nationwide, there are 10 MediGap plans designated by letters. These Medicare supplement plans can improve the coverage from Original Medicare. Some letter plans even cover some things Medicare does not cover. This can include travel outside the United States.
Click here to see the benefits including all 10 standardized Humana Medicare supplement plans. Because carriers may not offer all these options, take a minute to get an run an instant quote You will see the MediGap plans available in your area.
— Services
Humana Medicare Supplement Extra Services
All Humana Medicare supplement plan members may participate in any (and all!) of these extra services:
- RightSource mail-order prescription service: Order prescription drugs easily. Get them delivered to your home. An extended 90-day supply is available. It may help lower your out-of-pocket costs.
- SmartSummary Rx monthly statement: gives an easy summary of prescription drug benefits. It also shares ways to save money and gives tips to plan expenses. And they deliver it every month.
- MyHumana: a password-protected, personalized home page on humana.com Designed to help you review benefits and use pharmacy tools. You can check medical and prescription claims. You can also find health information and resources.
- Humana Active Outlook: Members get tips on healthy living. They also get Medicare news and updates. Members receive discounts and coupons by mail and online. They can also attend local seminars and classes.
- SilverSneakers Fitness Program: participants get a free basic membership at any local fitness center. They can join group exercise classes. Members can also work with a trained Personal Benefits Manager. The manager helps create a personal fitness plan.
— Call Us
Compare Your Humana Medicare Options
If you’d like help comparing your options, just call our toll-free number at 1-800-913-3416. One of our agents with Medicare plan experience will review the plans available to you. They will give you a clear overview of your options.
MediGap insurance stays in effect as long as you keep your policy active. No health issues can cause it to be canceled, and the issuer guarantees renewal.
— Next Steps
How to Apply for Humana Medicare Supplement Plans
When you’re ready to apply, we will be happy to answer your questions and help you enroll. You’ll have direct access to your Personal Benefits Manager, a licensed agent. They can help with concerns before you apply.
They can also help while the insurance company reviews your application. They will support you after your Medicare plan is in force.
For a confidential, no-obligation telephone consultation, please click here. You may also wish to give us a call toll-free at 1-800-913-3416. One of our Personal Benefits Managers will immediately connect with you to research your options.
— Testimonials
We’ve helped people find Medigap insurance or a Medigap health sharing plan.
Each customer gets the same amazing service!
“Having MediGap Advisors to help me work through my Medicare coverage options over the next year gives me great peace of mind.
I especially would like to thank Misty for her help the last several years. Her dedication and expertise deserve the highest praise.”
Robert N. (CO)
“Mike takes the time to address every concern with care and attention to detail. His reliability and expertise are why we continue to rely on him for all our Medicare needs.”
Janice B. (VA)
— Common Questions
Humana Medicare Supplement FAQs
What plan types does Humana Medicare supplement offer?
Humana Medicare supplement offers eight of the ten standardized Medigap plan letters, covering most of the coverage options available to Medicare beneficiaries. The available plans include A, B, C, F, G, K, L, and N, with Plans D and M not currently offered. Because plans vary by state, the fastest way to see Humana plans in your area is simple. Run an instant quote through MediGap Advisors.
How do Humana Medicare supplement plans coordinate with Original Medicare?
Humana Medicare Supplement plans work with Original Medicare Parts A and B. Medicare pays first. It pays its approved share of covered costs. Then your Humana supplement plan may pay some or all of your remaining costs. This depends on the plan letter you choose.
Members can see any doctor or specialist who accepts Medicare, no network restrictions or referrals required.
What value-added benefits come with Humana Medicare plans?
Humana Medicare plans include one of the most extensive menus of added benefits in the Medigap industry. Depending on your plan and location, members may have access to the following programs:
- Telemedicine
- A 24-hour nurse hotline
- Vision discounts through EyeMed
- Hearing aid discounts
- The SilverSneakers fitness program
- A discount on the LifeLine fall detection and alert service
- Jenny Craig weight loss program discounts
- And the RightSource mail-order pharmacy program, which delivers 90-day prescription supplies directly to your door
What are my Humana Medicare options if I missed my Open Enrollment Period?
If you missed your Medigap Open Enrollment Period, your Humana Medicare options may be subject to medical underwriting.
Humana is one of the stricter carriers in this area. Organizations often decline applicants with uncontrolled diabetes, cancer, AIDS, or other serious conditions. This usually applies outside the open enrollment window.
If you are past your enrollment period, a MediGap Advisors Personal Benefits Manager can review your health history. They can identify which carriers are most likely to approve your application.
What are the benefits of Humana Medigap plans compared to other carriers?
Humana Medigap plans stand out for their many plan letter options. They also offer extra member benefits and the RightSource mail-order pharmacy program.
Humana has over 50 years of health insurance experience. A well-known name in Medicare coverage. The trade-off is that monthly premiums may be higher than some competing carriers. Humana also uses stricter medical underwriting outside open enrollment than many alternatives.
Is Humana Medicare supplement Plan G a good choice for new enrollees?
Humana Medicare Supplement Plan G is a popular option for new Medicare enrollees, and for good reason. It covers almost all out-of-pocket costs under Original Medicare.
The only exception is the yearly Part B deductible. Once members meet that deductible, they typically pay nothing for covered services – no copays and no coinsurance. For most people who start Medicare in good health, Humana Medicare Supplement Plan G offers strong coverage. It can also provide good long-term value.
What do Humana Medicare supplement reviews say about member experience?
Humana Medicare supplement reviews from MediGap Advisors members are mostly positive. They average 4.0 out of 5 stars from 17 reviews. Members often praise add-on benefits. One reviewer said the discounted LifeLine alert service helped save his mother’s life after a fall.
Others praise the claims process. One member said several hospital stays for a diabetes-related amputation cost nothing out of pocket. They only paid the Part B deductible.
Common critiques include higher premiums than average and occasional billing delays. Most members report that customer service resolved issues satisfactorily.
Have more questions?
If you have more questions about how Humana Medicare Supplement works, please call us toll-free at 800-913-3416. An MGA Personal Benefits Manager will be standing by to help you with whatever you need.
Reviewed by Whitney Kline
Fact checked by Wiley Long
— Reviews
Humana Medicare Supplement Reviews
Great for Seniors
Their Medicare plans are easy to understand and affordable. Humana explains everything clearly. It’s been a smooth experience.
Caring Company
Humana treats me like more than just a number. Their reps have always been kind and understanding. That means a lot.
Excellent coverage, no complaints
Humana Medicare Supplement has been a lifesaver. I’ve never had any issues with claims, and they cover everything I need.
Great experience
I’ve had nothing but positive experiences with Humana’s Medicare Supplement. The coverage is excellent, and I’ve had no issues with billing or claims.
Dependable coverage
Humana Medicare Supplement covers what I need, but I’ve had a few delays in getting responses to my claims. Otherwise, it’s a solid plan.
Reliable plan with minor issues
Humana’s Medicare Supplement works well for the most part, but I’ve had a couple of minor issues with billing that took a bit longer to resolve than I’d like.
A middle-of-the-road experience
I’ve been a Humana Medicare Supplement customer for a while now, and overall, my experience has been satisfactory. The coverage provided is decent, and the customer service has been helpful when I’ve had inquiries. However, there are areas where improvements could be made. The premiums seem to be on the higher side compared to some other plans, and I’ve noticed a few gaps in coverage that caught me by surprise. While the network of healthcare providers is extensive, navigating through it has been a bit cumbersome at times. Overall, a middle-of-the-road experience that could benefit from some enhancements.
Served me adequately
The positives include a straightforward enrollment process and a reasonable network of healthcare providers. I’ve found their customer support to be reliable when I needed assistance. Nonetheless, the premium costs have been steadily rising, making it a bit of a financial strain. Additionally, I’ve encountered a few instances where certain medical expenses were not covered as expected, leading to unexpected out-of-pocket costs.
My experience with Humana Medicare Supplement has been average.
The plan offers a reasonable range of benefits, and I appreciate the stability in terms of coverage. On the downside, the communication regarding policy changes could be more transparent. I’ve faced challenges understanding certain aspects of my coverage, and the documentation provided didn’t always offer the clarity I needed. While the customer service team was helpful, the overall user experience could be improved. It’s a decent plan, but there’s a definite need for enhanced communication and user-friendly resources.
Satisfied but Room for Improvement
My journey with Humana Medicare Supplement has been a mixed bag. On the positive side, their customer service is responsive and friendly. I appreciate the variety of plans they offer, allowing for some customization based on individual needs. However, there have been instances where the billing process felt confusing, and understanding the details of my coverage required extra effort. The prescription drug coverage, while satisfactory, could use some streamlining. It’s not a bad plan, but there’s room for improvement in terms of clarity and ease of use.
Affordable and Comprehensive Care
Humana’s Medicare supplement plan has proven to be a cost-effective solution for my healthcare needs. The affordability of the premiums, coupled with the extensive coverage provided, makes it a standout option for seniors like myself. I appreciate the transparency in their pricing and the ease of understanding the benefits.
Saved my elderly mom’s life
My mom is 74 and has a Medigap plan from Humana One. She’s had a few claims over the years, but nothing significant. Until January, when she slipped on an icy porch pavement and fractured her hip. My brothers and I check on her regularly. But my older brother just left an hour before.
Dad was out of town, so she was by herself for the night. Fortunately, she had a discount on life alert service from Humana One, and my brothers and I signed her up for it, paying her the extra subscription costs. She had the alert button and was able to call for an ambulance. If she hadn’t had the alert button she could have frozen to death outside, because it might have been hours before someone found her.
Humana has higher premiums than some. But one of the extras may have helped save my mom’s life.
Humana’s drug plan
We have Medicare Supplement with a different company, but we bought a prescription drug plan from them just in time. My wife got a cancer diagnosis a couple of months after we added the Part D plan for 78 dollars a month and a $450 deductible, but no deductible for Tier 1 and Tier 2 drugs.
Now she takes a lot of medications that would cost over $4,000 per month all by themselves if we didn’t add Part D coverage during fall open enrollment last year.
It comes in three tiers: Premier, which is the best, but costs the most, Basic, which has higher deductible for tier 1 and 2 medications, and Walmart level.
Don’t get the Walmart level. Invest in the best prescription drug plan you can afford. Because chances are very high you’re going to need it.
GOOD MEDICARE SUPPLEMENT PLAN
WHEN I TURNED 65 MY FRIEND TOLD ME TO BUY A MEDIGAP POLICY I GOT ONE FROM HUMANA. I HAVE DIABETES AND HAD A TOE AMPUTATED (SO FAR) AND HAD MULTIPLE HOSPTITAL STAYS BUT WITH HUMANA MEDIGAP I DIDN’T HAVE TO PAY OUT OF POCKET FOR ANYTHING EXCEPT A PART B DEDUCTIBLE
THEY DON’T COVER HEARING AIDS BUT NOBODY DOES
Medicare advantage has more coverage
I had a humana medigap plan and it was horrible it didn’t cover very much. I switched to a medicare advantage plan and I got a lot more benefits like home meal delivery after I was home after surgery and they also help me with transportation to doctors appointments which was very helpful so I like medicare advantage better. But I have to use their network of doctors which I don’t always like but you can’t have everything where would you put it
I recommend Humana for Medicare Medigap
Humana took good care of us after my husband had a stroke. They even paid for rehab services. They don’t pay for long term care, but we knew that going in and bought a long term care policy from New York Life when we were young and I’m glad we did.
The Humana One Medigap plan also doesn’t cover prescription drugs but we had a good agent at HSA for America who made sure we understood that, and recommended we get a separate Part D plan for that, and that has worked out well for us, too. I looked at what some of these drugs cost without insurance and it’s insane.
There were a few administrative and billing snags along the way but Humana has good customer service staff and they were able to take care of things. Highly recommend Humana for Medicare Supplement.
Great mail order pharmacy program!
I just wanted to say kudos to Humana for their great pharmacy program, Humana CenterWell! I’m disabled and it’s very difficult for me to get to the drug store to pick up prescriptions. Then a friend of mine told me she has a Humana One Medicare policy and gets hers mailed right to her front porch so I looked into it and when I became eligible for Medicare signed up for the same plan. I don’t know what I’d do without them! They even fill 90 days without a problem.