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Humana Medicare Supplement Insurance 2024 Review
Humana provides lots of options for coverage and extras, but its prices and complaint rates are higher than average.
Alex Rosenberg Lead Writer | Medicare, health care, legislation
Alex Rosenberg is a NerdWallet writer focusing on Medicare and information technology. He has more than 10 years of experience researching and writing about health care, insurance, technology, data privacy and public policy. His research has supported lawmakers in the Wisconsin State Legislature as well as health systems and national health authorities in the U.S. and more than 10 other countries. He is based in Stoughton, Wisconsin.
Holly Carey joined NerdWallet in 2021 as an editor on the team responsible for expanding content to additional topics within personal finance. She currently leads the Medicare team. Previously, Holly wrote and edited content and developed digital media strategies as a public affairs officer for the U.S. Navy. She is based in Virginia Beach, Virginia.
Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Humana
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.
Plan types offeredMedigap plan types the company generally offers (availability may vary by location). Options include Plans A, B, C, D, F, G, K, L, M and N
A, B, C, F, G, K, L and N.
NAIC complaint rateHow often the company’s members file complaints about their policies as compared to the industry average, according to data from the National Association of Insurance Commissioners (NAIC). NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far more than expected
Premium discounts availableBased on the number and size of a company’s available discounts on monthly premiums, in comparison to other insurance companies.
Below average
Pros
More plan type options than most competitors.
Many extra benefits, including rarer ones like SilverSneakers and meal delivery.
Cons
Premiums can be expensive.
Complaint rate more than triple the industry average.
Plan types offeredMedigap plan types the company generally offers (availability may vary by location). Options include Plans A, B, C, D, F, G, K, L, M and N
A, B, C, F, G, K, L and N.
NAIC complaint rateHow often the company’s members file complaints about their policies as compared to the industry average, according to data from the National Association of Insurance Commissioners (NAIC). NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far more than expected
Premium discounts availableBased on the number and size of a company’s available discounts on monthly premiums, in comparison to other insurance companies.
Below average
Pros
More plan type options than most competitors.
Many extra benefits, including rarer ones like SilverSneakers and meal delivery.
Cons
Premiums can be expensive.
Complaint rate more than triple the industry average.
Humana Medicare Supplement Insurance, or Medigap, is available 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
2.5
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
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, complaint data from the National Association of Insurance Commissioners and more.
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 estimates 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)
NerdWallet analysis of American Association for Medicare Supplement Insurance data. Best Costs Medigap 2024 – Plan G. Accessed Feb 9, 2024.
. (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 any company that filed prices. For example, Humana’s price for Medigap Plan G in Los Angeles appears alongside the lowest price on Medicare.gov for all Plan G policies available in Los Angeles to an applicant with identical demographics.
🤓Nerdy Tip
In some locations, you might also see “Humana Achieve” plans available from certain agents. Humana Achieve plans can have lower prices, and they can differ from other Humana plans in terms of discounts, availability and added perks. This review describes regular, broadly available Humana plans, not Humana Achieve.
Plan G
On average, Humana’s estimated prices for Medigap Plan G were about 48% higher than the least-expensive Plan G policy in the area.
Humana price
Medicare.gov lowest price
Los Angeles
$257.
$137.
Atlanta
$154.
$119.
Dallas
$139.
$109.
Plan N
On average, Humana’s estimated prices for Medigap Plan N were about 46% higher than the least-expensive Plan N policy in the area.
Humana price
Medicare.gov lowest price
Los Angeles
$186.
$105.
Atlanta
$116.
$90.
Dallas
$109.
$82.
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
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
National Association of Insurance Commissioners. Company Complaint Index. Accessed Jan 26, 2024.
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
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.
Compare Medicare Supplement Insurance companies
Get more information below about some of the major Medicare Supplement Insurance companies. These insurers offer Medigap plans in most states, but specifics may vary depending on your location.
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.
Read the NerdWallet reviews of these other Humana Medicare offerings:
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).
Medicare Supplement Insurance ratings methodology
NerdWallet’s Medicare Supplement Insurance (Medigap) ratings are based on pricing, discounts, plan types offered, complaint data from the National Association of Insurance Commissioners, consumer experience, additional perks and benefits, and more. To calculate each health insurance company's rating, we adjusted the scores to a curved 5-point scale, rounded to the nearest half star.
NerdWallet reviewed 13 Medicare Supplement Insurance companies based on highest enrollment and greatest online search volume. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best coverage and rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for Medicare Supplement Insurance.
Insurer complaints methodology
We examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, we calculated a similar index for each insurance company, weighted by market shares of each subsidiary. We score companies based on this index of how many complaints the company receives relative to its market share. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
