The bottom line: Humana Medicare Supplement Insurance comes with plenty of options for Medigap plan types and offers many extra perks, including some rarer ones like SilverSneakers fitness benefits and meal delivery. But Humana’s prices are expensive, and its complaint rates are significantly higher than the market average. Jump to: Full Review
Humana Medicare Supplement Insurance pros and cons
Pros
- Variety of plan types: Humana offers more options for Medigap plan types than most competitors in many areas.
- Plenty of extras: Humana policies can offer a lot of extra benefits. Some, like SilverSneakers and meal delivery, are rare to find from competitors.
Cons
- Pricing: Humana’s premiums are considerably pricier than other options, on average.
- Complaint rate: Customers file more than three times as many complaints about Humana Medigap plans as the industry average.
Compare against other providers
🔍 AARP/UnitedHealthcare Medigap
» More options in our roundup of the best Medicare Supplement Insurance companies
Compare against other providers
🔍 AARP/UnitedHealthcare Medigap
» More options in our roundup of the best Medicare Supplement Insurance companies
Our full review
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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.
More Nerdy Perspective
Humana scores poorly on NerdWallet’s rubric for Medicare Supplement Insurance, earning 2.5 out of 5 stars. Although Humana does offer a wide variety of plan types and bundled extras, the combination of high prices and high complaint rates prevents it from scoring well for 2025. You might want to compare Humana to quotes from several other companies and/or work with a licensed insurance agent or broker to select your best Medigap option.
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 46% higher than the least-expensive alternative, and Plan N premiums were about 48% higher.
- How we evaluate Medigap companies’ prices
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):
Los Angeles: More expensive than average.
Atlanta: Average cost for the U.S.
Dallas: Less expensive than average.
The sections below show pricing information from Humana for a 65-year-old female nonsmoker as filed with the Centers for Medicare & Medicaid Services. (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 TipIn 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
Humana price | Medicare.gov lowest price | |
|---|---|---|
Los Angeles | $278. | $148. |
Atlanta | $167. | $139. |
Dallas | $151. | $117. |
Plan N
Humana price | Medicare.gov lowest price | |
|---|---|---|
Los Angeles | $205. | $114. |
Atlanta | $126. | $98. |
Dallas | $118. | $88. |
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
217% more complaints than average
Members file complaints about Humana Medicare Supplement Insurance plans about 217% 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.
NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Humana’s spending on care
82% for member benefits
Humana Medicare Supplement Insurance plans spent 82% of premiums on member benefits, according to the most recent annual data. (The other 18% went to overhead expenses like administrative costs, marketing, salaries and commissions.) For comparison, the average for all companies is 83.9%.
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%.
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 more than 300,000 Medicare Supplement Insurance beneficiaries and has about a 2.1% share of the total Medicare Supplement Insurance market as of the end of 2023.
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.
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.
Read the NerdWallet reviews of these other Humana Medicare offerings:
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).
- More plan type options than most competitors.
- Many extra benefits, including rarer ones like SilverSneakers and meal delivery.
- Premiums can be expensive.
- Complaint rate more than triple the industry average.
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.NerdWallet analysis of American Association for Medicare Supplement Insurance data. Best Costs Medigap 2024 – Plan G. Accessed Feb 21, 2025.
- 2.Centers for Medicare & Medicaid Services. Find a Medigap Policy That Works For You. Accessed Feb 21, 2025.
- 3.National Association of Insurance Commissioners. Company Complaint Index. Accessed Feb 21, 2025.
- 4.National Association of Insurance Commissioners. 2023 Medicare Supplement Insurance Experience Reports (Direct Premiums Earned; Direct Claims Incurred). Accessed Feb 21, 2025.
- 5.Code of Federal Regulations. Title 42, Part 403, Section 215. Accessed Feb 21, 2025.
- 6.National Association of Insurance Commissioners. 2022 Medicare Supplement Insurance Experience Reports. Accessed Feb 21, 2025.
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 15 Medicare Supplement Insurance companies based on highest enrollment and greatest online search volume. At the national level, our scored reviews include companies covering about two-thirds of all Medigap beneficiaries. At the state level, our research includes at least one of the two largest Medigap insurance companies in 48 of the 50 states, plus Washington, D.C.
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.
Compare Medigap plans
Insurance company | NerdWallet rating | Plan types offered | NAIC complaint rate | Premium discounts available | Learn more |
|---|---|---|---|---|---|
BEST FOR MEDIGAP PLAN OPTIONS | (844) 939-0223 / TTY 711 Call UnitedHealthcarefrom UnitedHealthcare | ||||
5.0/5 | A, B, C, F, G, K, L and N. | Far fewer than expected | Above average | ||
BEST FOR MEMBER SATISFACTION | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | ||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 4.0/5 | A, C, D, F, G and N. | Far fewer than expected | Below average | |
BEST FOR EXTRA BENEFITS | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | ||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 3.5/5 | A, F, G and N. | More than expected | Above average | |
BEST FOR LOW PREMIUMS | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | ||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 4.0/5 | A, F, G and N. | More than expected | Above average | |