Humana Medicare Supplement Insurance 2024 Review

Humana Medicare Supplement Insurance pros and cons

Our full review

Humana Medicare Supplement Insurance rating

Humana Medicare Supplement Insurance earned 2.5 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account pricing, coverage options, online quote availability, complaint data from the National Association of Insurance Commissioners and more.

Humana Medicare Supplement Insurance plans

Humana offers as many as six Medicare Supplement Insurance plan types for purchase by any Medicare member:

• Medigap Plan A — the basic benefits included in every Medigap plan without any extras.

• Medigap Plan B — basic benefits plus coverage for the Medicare Part A deductible.

• Medigap Plan G — the highest-coverage option available to new Medicare members. Available as a standard plan or high-deductible option in some locations.

• Medigap Plan K — the lowest-cost Medigap plan, with 50% coverage for most benefits.

• Medigap Plan L — a low-cost option with 75% coverage for most benefits.

• Medigap Plan N — a plan with lower premiums but higher copays.

Humana also offers Medigap Plan C, Medigap Plan F and the high-deductible version of Plan F in certain locations for qualifying beneficiaries who were eligible to enroll in Medicare before 2020. Newer Medicare members can’t buy these plans from any insurance company.

In addition, Humana offers plans in Massachusetts, Minnesota and Wisconsin according to each state's Medigap plan standards, which differ from the standardization system used in the majority of the country.

Humana’s plan offerings vary by state. Enter your ZIP code on Humana’s website to see a breakdown of the options available where you live.

Cost for Humana Medigap plans

Humana has higher Medicare Supplement Insurance premiums than many competitors, though the difference can vary by location. In estimates obtained for this review, Humana’s premiums for Medigap Plan G were about 50% higher than the least-expensive alternative, and Plan N premiums were about 49% higher.

Plan G

Plan N

Discounts

Here are a few examples of discounts Humana offers to qualifying Medicare Supplement Insurance applicants:

• Online application — New applicants in most states can qualify for a 6% discount for applying online.

• Household — Qualifying applicants can receive a discount if more than one household member has a Humana Medigap policy.

• Recurring payments — Qualifying members can receive $2 per month off premiums for setting up automatic recurring payments using a credit card or bank account.

Available discounts may vary according to factors such as your location, household status and how you apply for a policy.

Humana member complaints

210% more complaints than average

Members file complaints about Humana Medicare Supplement Insurance plans about 210% more often than the average for all Medigap plans, according to 2022 and 2023 data from the National Association of Insurance Commissioners for Humana and its subsidiaries that sell Medigap policies^[0]

NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.

Humana’s spending on care

81% for member benefits

Humana Medicare Supplement Insurance plans spent 81% of premiums on member benefits, according to the most recent annual data^[0]

Medicare Supplement Insurance companies must report data on the premiums they collect and how much they spend to provide benefits for members. The minimum required by law for individual Medigap policies is 60%^[0]

Additional benefits

Medigap plans have standardized Medicare benefits, but companies can offer additional perks. Here are examples of extras included with some Humana Medicare Supplement Insurance policies:

• Fitness program. The SilverSneakers program gives qualifying members access to participating gyms, including group classes and work with trainers.

• Meal delivery. Qualifying members can have precooked frozen meals delivered to their homes after they come back from an overnight stay in a hospital or nursing facility.

• Discount program. Humana offers discounts on prescriptions, vision and hearing products and services, and the Lifeline medical alert service to qualifying members.

• Nurse line. A 24/7 toll-free nurse line has registered nurses on staff to answer questions and help members handle health issues.

Humana Medicare Supplement Insurance service area

Humana offers Medicare Supplement Insurance plans in all 50 states, Washington, D.C., and Puerto Rico.

Humana covers about 314,000 Medicare Supplement Insurance beneficiaries and has about a 2.1% share of the total Medicare Supplement Insurance market as of the end of 2022^[0]

Humana Medigap customer service

Here’s how Humana Medigap members can contact customer service:

• Call Humana’s Medicare customer service line at 800-457-4708, 8 a.m. to 8 p.m. Eastern time Monday through Friday. (TTY dial 711 and follow the prompts.)

• Chat with a customer service representative by logging in to Humana’s member site.

Read the NerdWallet reviews of these other Humana Medicare offerings:

• Humana Medicare Advantage.

• Humana Medicare Part D