Humana Medicare Supplement

There are a lot of things that seniors have to think about when it comes time to retire, but the one thing that they should not think about is getting affordable healthcare. Traditional Medicare benefits, Part A and Part B, which may also be referred to as Original Medicare, will only take care of 80% of outpatient care and hospitalizations. That will leave you to pay the remaining 20% out of pocket. There are times when this 20% can be large amounts, especially if you needed long-term medical care. It is during this time that a Medicare supplement plan can help to give you peace of mind when it comes to what you have to pay in terms of medical costs. Humana insurance can help to provide you with a Humana Medicare Supplements that can cover what your traditional Medicare does not. They can help to provide you with a policy that will fit your financial situation and your medical needs.

About Humana Insurance

Humana is one of the largest health insurance companies located in the United States and started in Louisville, Kentucky, in 1961, when it originated as a nursing home. Eventually, during 1974, they changed their name to Humana. They provide health insurance products, which include Medicare plans, group health insurance, and individual health insurance.

Humana comes with a strong rating, which includes A.M Best’s rating of A- Excellent rating. They were rated by BBB- by J.D. Power & Associates and received a rating of BBB by Fitch. They were also recognized as having the highest member satisfaction rate in Texas. They also have an A+ rating from the Better Business Bureau.

Humana Medicare Supplement options cover more than just medical care. They have partnered with Wal-Mart Pharmacies all over the United States to provide prescription coverage through Medicare Advantage Plans. These policies will vary based on the state that you live in. Below are more details about the plans that are offered.

Medicare Supplement Plan A and Plan B:

• Part A coinsurance for hospice care
• Part B coinsurance for medical expenses
• Three pints of blood per calendar year
• Part A deductible for hospitalization is covered by Plan B
• Part A coinsurance for hospitalization along with an additional 365 days whenever Medicare benefits are ended

Medicare Supplement Plan C:

• Part A coinsurance for hospice care
• Part B coinsurance for medical expenses
• Three pints of blood per calendar year
• Part A deductible for hospitalization is covered by Plan B
• Part A coinsurance for hospitalization along with an additional 365 days whenever Medicare benefits are ended
• Part B deductible for outpatient hospital and medical expenses
• Skilled nursing care in a facility
• Help for medical emergencies when out of the country

Medicare Supplement Plan F:

• Part A coinsurance for hospice care
• Part B coinsurance for medical expenses – 20% of approved expenses or copays for outpatient services
• Three pints of blood per calendar year
• Part A deductible for hospitalization is covered by Plan B
• Part A coinsurance for hospitalization along with an additional 365 days whenever Medicare benefits are ended
• Part B deductible for outpatient hospital and medical expenses
• Skilled nursing care in a facility
• High deductible option for lower monthly premiums
• Help for medical emergencies when out of the country

Medicare Supplement Plan G:

Supplement Plan G is able to cover everything that Supplement Plan F can, except for the Medicare Part B deductible. This particular plan is for those who can pay the Medicare Part B deductible out of pocket.

• Part A coinsurance for hospice care
• Part B coinsurance for medical expenses – 20% of approved expenses or copays for outpatient services
• Three pints of blood per calendar year
• Part A deductible for hospitalization is covered by Plan B
• Part A coinsurance for hospitalization along with an additional 365 days whenever Medicare benefits are ended
• Part B deductible for outpatient hospital and medical expenses
• Skilled nursing care in a facility
• Help for medical emergencies when out of the country
• 100% of Medicare Part B excess charges whenever there is a difference between what Medicare will pay and what your provider charges.

Medicare Supplement Plan K, Plan L, and Plan N

These plans will have the same type of basic coverage options as other Humana Medicare supplement plans, but there will be different options to get a lower premium each month. In order to get a lower monthly premium, the copay and coinsurance will not be covered as much.

Contacting Humana

You are able to learn more about Humana Medicare Supplement by visiting their website. You can see what plans they offer in your area, and if you are unsure about anything, then you can talk to the 24/7 nurse support to help with any medical questions you may have. There are a lot of ways for you to contact Humana, especially if you are looking to purchase a policy or if you are an existing customer.