Humana Medicare Supplement Insurance 2022 Review

Humana provides lots of options for coverage and extras, but its prices and complaint rates are both higher than average.

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

Humana offers a lot of options for Medigap plan types, membership perks and extra insurance coverage beyond the Medicare benefits. 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.

Pros

Cons

  • Variety of plan types: Humana offers more options for Medigap plan types than most competitors in many areas.

  • Available dental and vision benefits: “Healthy Living” plans include some cost sharing for dental and vision care, which is uncommon for Medigap policies.

  • Plenty of extras: Humana policies can offer a lot of extra benefits. Some, like SilverSneakers and meal delivery, are rare to find from competitors.

  • Pricing: Quotes for Humana policies obtained for this review were 87% more expensive than the lowest-cost alternative, on average.

  • Complaint rate: Customers file more than four times as many complaints about Humana Medigap plans as the industry average.

  • Limited “Healthy Living” plan types: Not every plan has a “Healthy Living” option, so you might have only a few Medigap plans to choose from if you want the cost help for extra dental and vision care.

Available 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 either a standard plan or a 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 prior to 2020. Newer Medicare members can’t buy these plans from any insurer.

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.

“Healthy Living” vision and dental benefits

In addition to the standardized Medicare coverage, Humana’s “Healthy Living” plans also include some cost sharing for dental cleanings, extractions, fillings, oral exams and oral cancer screenings, as well as routine eye exams and an allowance for eyeglasses or contact lenses. These plans cost more than the same plan type without the extras.

Additional benefits

Medigap plans have standardized Medicare benefits, but insurers 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 49 states, Washington, D.C., and Puerto Rico. (Humana doesn’t offer Medigap policies in Virginia.)

Humana covers about 324,000 Medicare Supplement Insurance beneficiaries and has about a 2% share of the total Medicare Supplement Insurance market as of the end of 2020

National Association of Insurance Commissioners. 2020 Medicare Supplement Insurance Experience Reports. Accessed Mar 3, 2022.
.

Cost

The following price quotes were obtained for three states representing above-average, average and below-average costs for Medicare Supplement Insurance, when compared across all plans and providers using pricing data from Medicare.gov

Centers for Medicare & Medicaid Services. 2020 Medigap Data. Accessed Mar 3, 2022.
:

  • Nevada: More expensive than average.

  • North Carolina: Average cost for the U.S.

  • Ohio: Less expensive than average.

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

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

Plan A

On average, Humana’s lowest quoted prices for Medigap Plan A were about 80% higher than the least-expensive Plan A policy in the area.

When both options were offered, a Healthy Living Plan A policy with extra cost help for dental and vision care was about $10.02 more expensive than the standard Plan A offering in the same area, on average.

Humana-quoted price

Medicare.gov lowest price

Reno, Nevada

Plan A: $150.81.

Healthy Living Plan A: $163.90.

$77.

Greensboro, North Carolina

Plan A: $163.40.

Healthy Living Plan A: $170.35.

$81.

Sandusky, Ohio

Plan A: $97.49.

$69.

Plan B

On average, Humana’s quoted prices for Medigap Plan B were about 55% higher than the least-expensive Plan B policy in the area.

Humana-quoted price

Medicare.gov lowest price

Reno, Nevada

$163.95.

$112.

Greensboro, North Carolina

$177.71.

$109.

(Humana didn't offer Plan B in Sandusky, Ohio, when quotes were obtained for this review.)

Plan G

Standard Plan G

On average, Humana’s quoted prices for Medigap Plan G were about 92% higher than the least-expensive Plan G policy in the area.

Humana-quoted price

Medicare.gov lowest price

Reno, Nevada

$185.82.

$101.

Greensboro, North Carolina

$210.48.

$87.

Sandusky, Ohio

$137.71.

$92.

High-deductible Plan G

On average, Humana’s quoted prices for the high-deductible version of Plan G were about 76% higher than the least-expensive high-deductible Plan G policy in the area.

Humana-quoted price

Medicare.gov lowest price

Reno, Nevada

$46.35.

$25.

Greensboro, North Carolina

$56.71.

$30.

Sandusky, Ohio

$47.50.

$31.

🤓Nerdy Tip

A high-deductible Medigap plan can save you money overall if the premiums plus the money you spend meeting the deductible are less expensive than the higher premiums of a standard insurance policy. For 2022, benefits for high-deductible Plan G kick in after a $2,490 deductible. Divided over 12 months, that’s $207.50 per month. A high-deductible plan would need to have premiums at least $207.50 less than the standard version to start offering savings.

Plan K

On average, Humana’s lowest quoted prices for Medigap Plan K were about 122% higher than the least-expensive Plan K policy in the area.

When both options were offered, a Healthy Living Plan K policy with cost help for dental and vision care was about $14.39 more expensive than the standard Plan K offering in the same area, on average.

Humana-quoted price

Medicare.gov lowest price

Reno, Nevada

Plan K: $89.28.

Healthy Living Plan K: $106.19.

$39.

Greensboro, North Carolina

Plan K: $96.65.

Healthy Living Plan K: $108.51.

$45.

(Humana didn't offer any form of Plan K in Sandusky, Ohio, when quotes were obtained for this review.)

Plan L

On average, Humana’s quoted prices for Medigap Plan L were about 108% higher than the least-expensive Plan L policy in the area.

Humana-quoted price

Medicare.gov lowest price

Reno, Nevada

$126.05.

$68.

Greensboro, North Carolina

$136.55.

$59.

(Humana didn't offer Plan L in Sandusky, Ohio, when quotes were obtained for this review.)

Plan N

On average, Humana’s lowest quoted prices for Medigap Plan N were about 78% higher than the least-expensive Plan N policy in the area.

When both options were offered, a Healthy Living Plan N policy with cost help for dental and vision care was about $8.26 more expensive than the standard Plan N offering in the same area, on average.

Humana-quoted price

Medicare.gov lowest price

Reno, Nevada

Plan N: $144.18.

Healthy Living Plan N: $153.63.

$78.

Greensboro, North Carolina

Plan N: $143.19.

Healthy Living Plan N: $150.26.

$68.

Sandusky, Ohio

Plan N: $101.08.

$73.

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 5% discount if more than one household member has a Humana Medigap policy.

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

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

Humana’s spending on care

77% for member benefits

Medicare Supplement Insurance providers 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 77% of premiums on member benefits

National Association of Insurance Commissioners. 2020 Medicare Supplement Insurance Experience Reports. Accessed Mar 3, 2022.
. (The other 23% goes to overhead expenses like administrative costs, marketing, salaries and commissions.)

For comparison, the average for all providers is 72.3%. The minimum required by law for individual Medigap policies is 60%

Code of Federal Regulations. Title 42, Part 403, Section 215. Accessed Mar 3, 2022.
.

Member complaints

335% above average

Members file complaints about Humana Medicare Supplement Insurance plans about 335% more often than the average for all Medigap plans. This is according to three years’ worth of data from the National Association of Insurance Commissioners for Humana and its subsidiaries that sell Medigap policies

National Association of Insurance Commissioners. Company Complaint Index. Accessed Mar 3, 2022.
.

Other insurance offerings from Humana and those subsidiaries don’t have as high complaint rates, with a complaint rate for all policy types about 11% above the average for all insurers over the same three years of data.

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. in your local time zone, seven days a week. (TTY dial 711 and follow the prompts.)

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

  • Contact Humana through Twitter.

  • Contact Humana through Facebook.

Third-party ratings

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

American Customer Satisfaction Index: 74 out of 100

The American Customer Satisfaction Index, or ACSI, rates consumer satisfaction with products and services based on a scientific model developed at the University of Michigan. Ratings are derived from surveys that measure consumers’ expectations and perceived quality and value of products and services.

In 2021, Humana scored 74 out of 100 on the ACSI health insurance satisfaction benchmark

American Consumer Satisfaction Index. Health Insurance. Accessed Mar 3, 2022.
. ACSI measures satisfaction with the health insurance industry as a whole — the benchmark isn’t specific to Medicare Supplement Insurance. For comparison, the highest score was 75 and the health insurance industry average was 73.

AM Best Financial Strength Rating: A-

AM Best is a credit rating agency that specializes in the insurance industry. In October 2021, AM Best affirmed its Financial Strength Rating of A- (Excellent) for the majority of health and dental subsidiaries of Humana Inc

. AM Best also affirmed an FSR of B++ (Good) for Humana Insurance of Puerto Rico Inc., a Humana subsidiary that offers Medigap policies in Puerto Rico.

An A- rating in this category indicates that AM Best believes Humana has an excellent ability to meet its ongoing insurance obligations. A B++ rating indicates that AM Best believes Humana Insurance of Puerto Rico has a good ability to meet ongoing insurance obligations.

Compare alternatives

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

Compare Medicare Supplement Insurance providers

Complaint rate: 67% worse than the market average.

Service area: 43 states.

Percent of premiums spent on benefits: 75.6%.

Complaint rate: 63% better than the market average.

Service area: 50 states and Washington, D.C.

Percent of premiums spent on benefits: 71.7%.

Complaint rate: 24% worse than the market average.

Service area: 16 states.

Percent of premiums spent on benefits: 68.6%.

Complaint rate: 0.4% better than the market average.

Service area: 50 states and Washington, D.C.

Percent of premiums spent on benefits: 72.6%.

Complaint rate: 40% worse than the market average.

Service area: 48 states and Washington, D.C.

Percent of premiums spent on benefits: 75%.

Complaint rate: 335% worse than the market average.

Service area: 49 states, Washington, D.C., and Puerto Rico.

Percent of premiums spent on benefits: 77%.

Complaint rate: 62% better than the market average.

Service area: 49 states and Washington, D.C.

Percent of premiums spent on benefits: 71.4%.

Complaint rate: 50% better than the market average.

Service area: 45 states and Washington, D.C.

Percent of premiums spent on benefits: 71.7%.

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, employer-sponsored policies, Medicaid coverage and dental and vision plans. As of June 2021, Humana has about 8.6 million members across all of its Medicare products. Humana posted annual revenue of $83.1 billion in 2021.

Find the right Medicare Supplement Insurance plan

Because Medigap plans are standardized, you can get precisely the same Medicare benefits from any company offering the plan. So when you shop, keep these considerations in mind to find the best policy to fit your needs:

  • Is your preferred plan available? Health insurance companies don’t always sell every plan, so check who sells the plan you want to buy in your area.

  • What are the premiums? Prices for the same plan can vary between companies, so check to find the most competitive rates.

  • Will your premiums change over time? Most policies cost more as you age, but some companies offer policies that let you lock in a price when you sign up.

  • Are there extras? Medigap plans’ core benefits are standardized, but in certain cases, some companies include such perks as discount programs or gym memberships.

If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).
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