Humana Medicare Supplement Plans

Humana Medicare supplement plans offer benefits that pay some costs not covered by your Original Medicare. Discover the Humana difference that the company says makes them stand out from other companies. Learn how your Humana Medicare supplement plan options possibly help you make decisions regarding coverage for senior care and senior housing options.

What Are Humana Medicare Supplement Plans?

Private insurance companies sell Medicare supplement plans, not Medicare. Medicare explains that some plans offer coverage beyond that offered by Original Medicare. One example is that some Medigap plans provide coverage for a health-related emergency while traveling outside the U.S.

Medicare supplement plans and Medicare Advantage Plans are not identical plans. Medigap plans supplement your benefits featured under Original Medicare while Medicare Advantage Plans are ways to get your Medicare benefits.

Every person approved for a Medicare supplement plan has to have Medicare Part A and Medicare Part B benefits. If you and your spouse both want to enjoy benefits of a Humana Medigap policy, each of you has to enroll separately because each policy is for only one person.

All Humana Medicare supplement plans meet federal and state regulations. Humana says that the difference in Medicare supplement plans is in the company, the price, and quality of service.

What Do Humana Medicare Supplement Plans Cover?

Coverage offered by Humana Medicare supplement plans depends on which plan you enroll in after discussing options with a Humana Medigap representative. You still receive your Original Medicare benefits because the policy does not replace your Original Medicare. It simply provides additional benefits outlined in the standardized policy information explained by Medicare.

Some companies offer additional benefits, likely an important aspect ofconsidering Medicare supplement plan options.

Every private insurance company offering Medicare supplement plans must offer Plan A and Plan B. Plan A provides basic hospitalization coverage and hospice care. Plan B also provides those benefits, along with coverage for the Part A deductible.

Insurance companies also have to offer either Plan C or Plan F if offering Medigap policies. Humana points out that their Plan C offers more coverage than either Plan A or Plan B. For example, Plan C offers coverage for hospice care coinsurance and skilled nursing services. Plan F offers basic benefits and coverage for Part A and Part B deductible costs. The plan pays 100 percent of Part B excess costs and coverage for skilled nursing, a potential deciding factor for individuals needing hospice or skilled nursing care or considering other senior housing or senior care options.

Choose Plan K or Plan L and receive basic benefits as well as coverage for Part A deductibles, hospital care, doctor’s services and skilled nursing care with a lower premium. You pay higher out of pocket costs, but there are annual limits on your costs.

Your Humana Medicare supplement plan representative explains which plans are available in your area and which plans best suits your needs, including available coverage for senior care or senior housing services.

Humana Medigap policies, like other Medicare supplement plans, do not cover long-term care for services such as assistance with bathing, feeding, dressing or other general activities of daily living (ADLs). Plans do not cover prescription eyeglasses, hearing aids, dental care, private duty nursing care or prescription drug coverage.

How Much Do Humana Medicare Supplement Plans Cost?

You pay the private insurance company a monthly premium in addition to the monthly premium you pay to Medicare for your Part B coverage. Medicare does not pay for the Medicare supplement plan.

Policy costs vary from one private insurance company to the next, even for the same policy benefits. Humana points out that it is smart to study Medigap plans before deciding upon the ideal plan for you or your family member.

Consider premium costs, benefits provided by each plan and out of pocket costs. Consider features such as details of Plan F, which has a high deductible option, but potentially results in lower premiums.

How Do I Enroll In A Humana Medicare Supplement Plan?

Humana makes enrolling in a Medicare supplement plan a simple process. You still have to follow rules regarding enrollment. For example, you are generally not eligible until your initial enrollment period, which is three months before you turn 65 to three months after you turn 65 years old. Some people enroll during the annual open enrollment.

Many states offer at least one type of Medicare supplement plan to disabled individuals under age 65 and receiving Medicare.

Contact your Humana Medicare supplement plan representative to learn more about enrolling in a Humana Medigap plan or ask for assistance from your senior care representative.

Learn more about each plan, including whether plans provide benefits for you or your loved one needing coverage to help pay some of your senior housing or senior care costs.