Humana Medicare Supplement Insurance Review

Humana offers Medicare Supplement Insurance, or Medigap, in every state, plus Washington, D.C., and Puerto Rico.

Humana has a lot of options for Medigap plan types and extra perks. However, its prices can be expensive, and complaint rates about Humana policies are significantly higher than the market average.

Here’s what you should know about Humana Medicare Supplement Insurance.

Humana Medicare Supplement Insurance pros and cons

Humana’s Medigap offerings have advantages and disadvantages.

Humana Medicare Supplement Insurance plans

Humana offers as many as six Medicare Supplement Insurance plans 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

The following price quotes were obtained for three metropolitan areas representing above-average, average and below-average costs for the most popular Medicare Supplement Insurance plans (Plan G and Plan N)^[0]

• Los Angeles. More expensive than average.

• Atlanta. Average cost for the U.S.

• Washington, D.C. Less expensive than average.

The sections below show pricing information from Humana for a 65-year-old female nonsmoker and reflect “base” pricing with optional discounts removed or factored out whenever the option was available. (Note: Some Medigap prices may be higher for men.)

For comparison, each table also includes the price for the least-expensive option to buy the same plan from other companies, based on information from Medicare.gov. For example, Humana’s price for Medigap Plan A in Los Angeles appears alongside the lowest price on Medicare.gov for all Plan A policies available in Los Angeles to an applicant with identical demographics.

Plan A

On average, Humana’s quoted prices for Medigap Plan A were about 72% higher than the least-expensive Plan A policy in the area.

Plan B

On average, Humana’s quoted prices for Medigap Plan B were about 45% higher than the least-expensive Plan B policy in the area.

Plan G

Standard Plan G

On average, Humana’s quoted prices for standard Medigap Plan G were about 59% higher than the least-expensive standard Plan G policy in the area.

High-deductible Plan G

On average, Humana’s quoted prices for the high-deductible version of Plan G were about 73% higher than the least-expensive high-deductible Plan G policy in the area.

Plan K

On average, Humana’s quoted prices for Medigap Plan K were about 98% higher than the least-expensive Plan K policy in the area.

Plan L

On average, Humana’s quoted prices for Medigap Plan L were about 63% higher than the least-expensive Plan L policy in the area.

Plan N

On average, Humana’s quoted prices for Medigap Plan N were about 51% higher than the least-expensive Plan N policy in the area.

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 and household status and how you apply for a policy.

Humana member complaints

223% more complaints than average

Members file complaints about Humana Medicare Supplement Insurance plans about 223% more often than the average for all Medigap plans, according to 2022 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

80.3% for member benefits

Medicare Supplement Insurance companies must report data on the premiums they collect and how much they spend to provide benefits for members.

Based on the most recent year of data, Humana Medicare Supplement Insurance plans spend about 80.3% of premiums on member benefits^[0]

For comparison, the average for all companies is 77.3%. 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.

Third-party ratings

There are a few companies that weigh in on customers’ experiences with insurance companies or the strength of the company in question, and we’ve included two here:

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 332,000 Medicare Supplement Insurance beneficiaries and has about a 2.1% share of the total Medicare Supplement Insurance market as of the end of 2021^[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.

• Contact Humana through Twitter.

• Contact Humana through Facebook.

Compare alternatives

Here's how Medicare Supplement Insurance companies compare with Humana.

About Humana

Humana is a health insurance company headquartered in Louisville, Kentucky. Its insurance offerings include Medicare Advantage plans, Medicare prescription drug plans, Medicare Supplement Insurance, Medicaid coverage and dental and vision plans. In February 2023, Humana announced that it would no longer offer employer-based health plans^[0]

As of September 2022, Humana had about 8.7 million members across all of its Medicare products. Humana posted annual revenue of $92.9 billion in 2022^[0]

Read the NerdWallet reviews of these other Humana Medicare offerings:

• Humana Medicare Advantage.

• Humana Medicare Part D.