Humana Medicare Supplement Plans: 2026 Medigap Review

Overview

If you’re considering a Medicare Supplement (Medigap) plan to help manage medical costs that Original Medicare doesn’t fully cover, Humana is likely one of the first names you’ll come across. With a broad national reach, a variety of plan options, and helpful member benefits, Humana Medicare Supplement plans remain a trusted choice for many Medicare beneficiaries.

In this Humana Medicare Supplement review, we’ll break down:

• How Humana Medigap plans work
• What makes Plan G stand out
• What to know about pricing, discounts, and perks

Why Choose Humana Medicare Supplement Plans?

Original Medicare typically covers about 80% of Part B-approved medical costs, leaving you responsible for the balance. A Humana Medigap plan can fill these “gaps” by covering expenses such as:

• Part A hospital coinsurance

• Part B coinsurance/copayments

• An additional 365 hospital days

• Skilled nursing facility coinsurance (in many plans)

• Part A deductible coverage

• Foreign travel emergency care is included in some plans

According to the Humana Medigap website, the carrier stands out for its robust online tools, large provider acceptance footprint, and a variety of plan choices depending on your state.

Humana Medicare Supplement Review: How Plans Help You Save

Humana’s Medigap offerings follow standardized federal rules, meaning the benefits for each letter plan are identical regardless of insurer. What differs is customer service, price, added perks, and discount opportunities.

Eligibility Requirements:
You must:

• Be enrolled in Medicare Parts A & B

• Live in a state where Humana sells Medigap plans

• Pay your Part B premium

Best Time to Enroll:
Your Medigap Open Enrollment Period—the month you’re 65+ and enrolled in Part B—offers guaranteed acceptance without medical underwriting.

Key Features of Humana Medicare Supplement Policies

Humana Medigap beneficiaries often enjoy features such as:

• 30-day free-look period

• Household or multi-policy discounts (state-specific)

• Online enrollment savings (varies by location)

• Nationwide access to any Medicare-accepting provider

• Guaranteed renewable coverage as long as premiums are paid

• Optional wellness and fitness programs (e.g., SilverSneakers in many states)

Features depend on state availability and may not be available across all ZIP codes.

Which Humana Medigap Plans Are Available?

Humana commonly offers a wide selection of Medigap plans, including:

• Plan A

• Plan B

• Plan C (only for those Medicare-eligible before 1/1/2020)

• Plan F (including High-Deductible F; also limited to pre-2020 eligibility)

• Plan G – Comprehensive coverage for new beneficiaries (covers everything Plan F does except the Part B deductible).

• High-Deductible Plan G – Same benefits as Plan G, but you must pay a higher annual deductible

• Plan K & Plan L in select states

• Plan N

Humana also offers state-standardized Medigap variations in Massachusetts, Minnesota, and Wisconsin, per CMS rules.

Humana Medigap Comparison Table (Standardized Benefits)

*Restricted to pre-2020 Medicare-eligibility per MACRA regulations.

Where Are Humana Medicare Supplement Plans Available?

Humana states that its Medicare Supplement plans are sold in most U.S. states. Availability varies by ZIP code and plan letter.

Note:

✔ Plan options differ by state
✔ Pricing differs by ZIP code
✔ Not all plans are available everywhere

How Much Do Humana Medicare Supplement Plans Cost?

Humana Medigap premiums depend on:

• Your ZIP code

• Age and gender

• Tobacco status

• State rating method (issue-age, attained-age, community)

• Plan letter (e.g., G vs. N)

• Enrollment timing

Humana does not publish nationwide pricing tables, so personalized quotes are necessary.

General cost trends:

• Plan G: Higher premium, robust coverage

• Plan N: Lower premium with modest copays

• High-Deductible G/F: Lowest premiums, highest deductibles

Can I Choose a Humana Medicare Advantage Plan Instead?

Yes—Humana also offers Medicare Advantage plans in many states.
However, you cannot have Medigap and Medicare Advantage at the same time

Medicare Advantage may include extra benefits such as:

• Dental, vision, and hearing

• Prescription coverage

• Telehealth

• OTC allowances

• Fitness programs

Your choice depends on whether you value predictability and provider freedom (Medigap) or bundled benefits with network management (Medicare Advantage).

Quick FAQ: Humana Medicare Supplement Plans 

Q: Are Humana Medicare Supplement plans good?

A: Yes—Humana is a large, reputable carrier offering standardized Medigap benefits and extra perks in some states. Whether it’s the best fit depends on pricing in your ZIP code and which plan letter you choose.

Q: Why is Humana Plan G so popular?

A: Plan G is the most comprehensive option available to new Medicare beneficiaries, covering almost all Part A and B costs except the Part B deductible. It offers strong financial protection and predictable expenses.

Q: Do Humana Medigap plans cover prescriptions?

A: No. Like all Medigap plans, Humana Medicare Supplement policies don’t include prescription drug coverage. You’ll need a separate Part D plan for medications.

Q: Can I switch to a Humana Medigap plan later?

A: Yes, but outside your Medigap Open Enrollment Period, medical underwriting may apply. This means Humana can review your health and could deny coverage or charge more based on your medical history.

Next Steps

Before enrolling in a Humana Medigap plan:

1. Check availability in your ZIP code.

2. Compare plan letters (A, G, N, etc.).

3. Review your Medigap Open Enrollment rights.

4. Confirm that your providers accept Medicare.

5. Review each plan’s Summary of Benefits.

6. Consider calling a licensed insurance agent for guidance.

Tip: You can use Healthcare.com, parent company of MedicareGuide.com , or call a licensed insurance agent to compare Cigna Medicare Supplement plans alongside other carriers in your state.