Humana Medicare Supplement Plan G
- Humana Medicare Supplement Insurance (Medigap) Plan G covers a number of Medicare copays, coinsurance and other costs. Learn how much Plan G costs and how you can apply for Humana Medigap plans available where you live.
Humana sells Medicare Supplement Insurance, or Medigap, which are private insurance plans that help pay your Medicare Part A and Part B (Original Medicare) copays, coinsurance, deductibles and other costs.
Medicare Supplement Plan G has the second-highest share of enrollment, with 27% of all Medigap beneficiaries choosing Plan G.1
In this Humana Plan G review, we outline what Plan G covers, how much it may cost and how you can apply for Humana Medicare Plan G if you're eligible.
What Does Humana Plan G Cover?
Humana Plan G – like Plan G from any other Medicare Supplement insurance company – covers a number of Medicare copays and coinsurance costs.
|Medicare Cost||What It Is||What You Pay With Plan G|
|Part A deductible||$1,600 per benefit period in 2023, which you must pay each time you're admitted for inpatient care during a benefit period before Part A coverage kicks in||$0|
|Part A coinsurance and hospital costs||$400 per day for days 61-90 of an inpatient stay per benefit period. $800 per day for stays longer than 90 days (Part A covers up to 60 additional days total in your lifetime)||$0|
|Part B deductible||$226 per year in 2023, which you must pay before Part B medical insurance benefits kick in||$226|
|Part B copayments and coinsurance||20% of the Medicare-approved amount for treatment, typically||$0|
|First three pints of blood||Original Medicare only pays for blood needed for a transfusion starting with the fourth pint.||$0|
|Part A hospice copayments and coinsurance||Up to 5% coinsurance for inpatient respite care and up to $5 copayments for medications and other products designed for pain relief and symptom control||$0|
|Skilled nursing facility coinsurance||Up to $200 per day for days 21-100 of an inpatient stay during a benefit period, and all costs beyond 100 days||$0|
|Part B excess charges||Up to 15% more than the Medicare-approved amount||$0|
|Foreign travel emergency care||Original Medicare doesn't typically pay for emergency care received in a foreign country||20% of costs|
The chart below shows how Medicare Supplement Plan G compares to the other standardized Medigap plans available in most states.
It’s important to note that Medigap benefits are standardized by the federal government for all plans, meaning Humana Plan G offers the same coverage as a Plan G sold by any other insurance carrier.
|Medicare Supplement Benefits||A||B||C1||D||F1||G||K||L||M||N|
|Part A coinsurance and hospital costs||✓||✓||✓||✓||✓||✓||✓||✓||✓||✓|
|Part B coinsurance or copayment||✓||✓||✓||✓||✓||✓||50%||75%||✓||✓|
|First 3 pints of blood||✓||✓||✓||✓||✓||✓||50%||75%||✓||✓|
|Part A hospice care co-insurance or co-payment||✓||✓||✓||✓||✓||✓||50%||75%||✓||✓|
|Co-insurance for skilled nursing facility||✓||✓||✓||✓||50%||75%||✓||✓|
|Medicare Part A deductible||✓||✓||✓||✓||✓||50%||75%||50%||✓|
|Medicare Part B deductible||✓||✓|
|Medicare Part B excess charges||✓||✓|
|Foreign travel emergency||80%||80%||80%||80%||80%||80%|
|1. Plans C and F are not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
2. Plans F and G also offer a high deductible plan which has an annual deductible of $2,490 in 2022. Once the annual deductible is met, the plan pays 100% of covered services for the rest of the year. The high deductible Plan F is not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
3. Plan K has an out-of-pocket yearly limit of $6,620 in 2022. Plan L has an out-of-pocket yearly limit of $3,310 in 2022.
4. Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 for emergency room visits that don’t result in an inpatient admission.
View an image version of this table.
Does Humana Plan G Cover SilverSneakers?
Humana Medicare Supplement plans do not include a SilverSneakers membership. However, Humana Medicare Advantage (Medicare Part C) plans can cover SilverSneakers.
It’s important to keep in mind Medicare Advantage and Medicare Supplement plans are very different, and you can’t have each type of coverage at the same time. Learn more about Humana Medicare Advantage plans.
How Much Does Humana Medicare Supplement Plan G Cost?
Humana Medicare Supplement Plan G premiums can vary by age, gender, location and when you apply for a policy. The best way to find out how much you can expect to pay for Humana Plan G is to contact a licensed insurance agent who sells Humana Plan G in your area.
You can visit Humana-MedicareSupplement.com to request a free quote for Humana Plan G and other Humana Medigap plans available in your local area, or you can call to speak with a licensed insurance agent who can help you compare plans and apply, if you’re eligible.
Humana Medicare Supplement Plan F vs. Plan G
The Medicare Supplement plan that offers the most coverage is Plan F. As you can see from the plan chart above, Plan F is the only plan to offer coverage in nine of the 10 benefit areas.
Humana Plan G offers similar coverage to Plan F. The only difference between the two plans is that Plan F covers the Medicare Part B deductible while Plan G does not.
The Medicare Part B deductible is $226 in 2023 and is a far less of a financial responsibility than many of the other out-of-pocket expenses that can be covered by Medigap.
Plan F is only available to those who were eligible for Medicare before January 1, 2020. If you did not become eligible for Medicare until after that date, by law you are not eligible to enroll in Plan F.
Humana also sells Plan F, so speak to a licensed agent if you are eligible for Plan F and wish to get a free quote to compare Plan G vs. Plan F costs where you live.
Enrolling in Humana Medicare Supplement Plan G
You can apply for Medicare Supplement Insurance at any time of the year. The best time to apply for Plan G, however, is during your Medigap Open Enrollment Period or during any other time you have guaranteed issue rights.
Your Medigap Open Enrollment period begins the month you are at least 65 years old and enrolled in Medicare Part B, and it lasts for six months.
During this time, you have guaranteed issue rights. That means insurance companies like Humana are not allowed to use medical underwriting to determine your plan premiums. But if you wait to enroll outside of this protected window, you no longer have guaranteed issue rights and insurance companies reserve the right to perform physical exams and issue medical questionnaires that can dictate your rate.
Contact a licensed insurance agent to learn about your cost for Humana Plan G and for help comparing Humana Plan G against other Humana plans.