A Guide to Humana’s Medicare Supplement Insurance Plans

Humana’s Medicare Supplement plans – also known as “Medigap” plans – cover “gaps” in Original Medicare coverage such as deductibles and coinsurance, so you have more predictable costs and greater peace of mind. You can keep the same doctors, you are still in the Medicare program, and you have all of your Medicare rights and protections. It should be noted that Medicare Supplement plans are not managed care.

In most states*, policies are standardized into plans labeled A through L as required by state laws. All policies cover basic benefits, but each has additional benefits that vary by plan.** Medicare Supplement plans A through J have one set of basic benefits with higher premiums and plans K and L have a different set of basic benefits with lower premiums. Some companies may offer additional innovative benefits.

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2010 Medicare Supplement Hand Book

2010 Medicare & You

Understanding Medicare Supplement Plans

Making an informed decision

It’s smart to study the basics on Medicare Supplement insurance – also known as “Medigap” plans – before you decide which plan is best for you.

What do I need to know about Medicare Supplement plans?

  • They’re the same as Medigap Plans – The names “Medicare Supplement” and “Medigap” refer to the same kind of policy, so the terms are interchangeable.
  • You’re still in the Medicare program – When you purchase Medicare Supplement insurance, you don’t replace or cancel your Original Medicare membership. You have all your Medicare rights and protections.
  • Plans are standardized – By law, the benefits from plan to plan are the same from every insurance company – so a Plan C from one company has the same medical coverage as a Plan C from any other. Some companies may offer additional innovative benefits. The difference is in the extra services and programs a company makes available to its members, the quality of service, and the price. These features are what make Humana stand out from the rest.


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