Humana offers Medicare Supplement Insurance, or Medigap, in every state but Virginia, 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 pros and cons
Humana’s Medigap offerings have advantages and disadvantages.

Pros

Cons

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.

Pricing: Quotes for Humana policies obtained for this review were about 70% more expensive than the lowest-cost alternative, on average.

Complaint rate: Customers file more than three times as many complaints about Humana Medigap plans as the industry average.

» MORE: Best Medicare Supplement Insurance companies
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Available Medicare Supplement Insurance plans
Humana offers as many as six Medicare Supplement Insurance plans 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.

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.

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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.

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Humana Medicare Supplement Insurance service area
Humana offers Medicare Supplement Insurance plans in 49 states, Washington, D.C., and Puerto Rico. (Humana doesn’t offer Medigap policies in Virginia.)

Humana covers about 332,000 Medicare Supplement Insurance beneficiaries and has about a 2.1% share of the total Medicare Supplement Insurance market as of the end of 2021
[1]
.

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Cost
The following price quotes 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)
[2]
:

Los Angeles. More expensive than average.

Atlanta. Average cost for the U.S.

Washington, D.C. Less expensive than average.

The sections below show pricing information from Humana for a 65-year-old female nonsmoker and reflect “base” pricing with optional discounts removed or factored out whenever the option was available. (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 other companies, based on information from Medicare.gov. For example, Humana’s price for Medigap Plan A in Los Angeles appears alongside the lowest price on Medicare.gov for all Plan A policies available in Los Angeles to an applicant with identical demographics.

(Prices are current as of February 2023.)

Plan A
On average, Humana’s quoted prices for Medigap Plan A were about 82% higher than the least-expensive Plan A policy in the area.

Get details on Humana’s rates for Medigap Plan A

Plan B
On average, Humana’s quoted prices for Medigap Plan B were about 48% higher than the least-expensive Plan B policy in the area.

Get details on Humana’s rates for Medigap Plan B

Plan G
Standard Plan G
On average, Humana’s quoted prices for standard Medigap Plan G were about 63% higher than the least-expensive standard Plan G policy in the area.

Get details on Humana’s rates for standard Medigap Plan G

High-deductible Plan G
On average, Humana’s quoted prices for the high-deductible version of Plan G were about 69% higher than the least-expensive high-deductible Plan G policy in the area.

Get details on Humana’s rates for high-deductible Medigap Plan G

Plan K
On average, Humana’s quoted prices for Medigap Plan K were about 102% higher than the least-expensive Plan K policy in the area.

Get details on Humana’s rates for Medigap Plan K

Plan L
On average, Humana’s quoted prices for Medigap Plan L were about 68% higher than the least-expensive Plan L policy in the area.

Get details on Humana’s rates for Medigap Plan L

Plan N
On average, Humana’s quoted prices for Medigap Plan N were about 58% higher than the least-expensive Plan N policy in the area.

Get details on Humana’s rates for Medigap Plan N

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 and household status and how you apply for a policy.

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Looking for Unbiased Medicare Advice?
Chapter saves people over $1,000/year on their Medicare plans. You can reach them at (855)480-7438
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Humana’s spending on care
80.3% for member benefits
Medicare Supplement Insurance companies must report data on the premiums they collect and how much they spend to provide benefits for members.

Based on the most recent year of data, Humana Medicare Supplement Insurance plans spend about 80.3% of premiums on member benefits
[3]
. (The other 19.7% goes to overhead expenses like administrative costs, marketing, salaries and commissions.)

For comparison, the average for all companies is 77.3%. The minimum required by law for individual Medigap policies is 60%
[4]
.

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Member complaints
251% more complaints than average
Members file complaints about Humana Medicare Supplement Insurance plans about 251% more often than the average for all Medigap plans. This is according to three years’ worth of data from the National Association of Insurance Commissioners for Humana and its subsidiaries that sell Medigap policies
[5]
.

Other insurance offerings from Humana and those subsidiaries don’t have complaint rates as high, with a complaint rate for all policy types about 6% above the average for all insurance companies over the same three years of data.

(Complaint rates are current as of February 2023.)

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Customer service
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.

Contact Humana through Twitter.

Contact Humana through Facebook.

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Third-party ratings
There are a few companies that weigh in on customers’ experiences with insurance companies or the strength of the company in question, and we’ve included two here:

American Customer Satisfaction Index: 77 out of 100
The American Customer Satisfaction Index, or ACSI, rates consumer satisfaction with products and services based on a scientific model developed at the University of Michigan. Ratings are derived from surveys that measure consumers’ expectations and perceived quality and value of products and services.

In 2022, Humana scored 77 out of 100 on the ACSI health insurance satisfaction benchmark
[6]
. ACSI measures satisfaction with the health insurance industry as a whole — the benchmark isn’t specific to Medicare Supplement Insurance. Humana had the highest score in the benchmark. The health insurance industry average was 73.

AM Best Financial Strength Rating: A-
AM Best is a credit rating agency that specializes in the insurance industry. In September 2022, AM Best affirmed its Financial Strength Rating of A- (Excellent) for the majority of health and dental subsidiaries of Humana Inc
[7]
. AM Best also affirmed a rating of B++ (Good) for Humana Insurance of Puerto Rico Inc., a Humana subsidiary that offers Medigap policies in Puerto Rico.

An A- rating in this category indicates that Humana has an excellent ability to meet its ongoing insurance obligations, according to AM Best. A B++ rating indicates that Humana Insurance of Puerto Rico has a good ability to meet ongoing insurance obligations, according to AM Best.