Humana Medicare Supplement Plan G
Are you thinking about enrolling in Medicare Supplement Plan G?
There are many options when it comes to choosing an insurance company.
Several companies offer “Medigap” Plan G, and it’s available in all 50 states and Puerto Rico.
Humana is one of the top-rated private insurers offering Original Medicare members enrolled in Part B the chance to supplement their cover with Medigap Plan G. Established in 1961, Humana started offering medical insurance policies in 1984.
Humana provides Medicare coverage to over 10 million Americans nationwide, 3.1% of whom choose the company for their Medigap plan.
This post reviews the Plan G offering from Humana. We’ll discuss the benefits this private insurer provides when enrolling in Medigap Plan G.
Get Immediate Professional Advice on Humana Medicare Supplement Plan G
Choosing the right provider for your Medigap Plan G policy can be confusing. Call 1-888-891-0229 our team for advice.
We’ll assess your unique situation to see if you qualify for Humana Medicare Supplement Plan G in your area or recommend the right insurer for your state.
Or you can complete the contact form on this site, and we’ll get an expert to call you back for a free consultation at a convenient time.
Humana Medicare Supplement Plan G – At a Glance
Humana offers the standard and high-deductible version of Medigap Plan G in 49 states, including Washington, D.C., and Puerto Rico. The company doesn’t service Virginia.
Members can access any medical provider in America who accepts Original Medicare.
Medigap monthly premiums vary based on the applicant’s location, health status, gender, and age.
Humana Medicare Supplement Plan G Pros
- The organization has a strong financial position and excellent credit rating.
- Humana is recommended for its customer experience, service, and transparent pricing.
- High-deductible and standard Plan G options.
- A range of discounts and additional services, including the “SilverSneakers” fitness program, 24/7 Nurseline, and discounts for vision, hearing, and dental services.
Humana Medicare Supplement Plan G Cons
- Plan G premium costs increase annually.
- Some applicants are ineligible for online enrollment due to their location, missing out on the 6% online enrollment discount.
- In some states, different Humana entities provide identical coverage at different rates, which confuses new members
How Does Humana Medicare Supplement Plan G Work?
The Centers for Medicare and Medicaid Services (CMS) provides standardized coverage through Medicare Supplement Plan G.
While Plans can differ in cost between private insurers, benefits are identical. The Plan G options from Humana can vary depending on the member’s location in the United States.
Humana sets different premium rates for members depending on their gender, age, smoking status, and location.
However, the average Humana Medicare Supplement Plan G cost is $131.44 for new members in 2023.
Plan G is the most comprehensive Medigap Plan available after Plan F.
The only thing Plan G doesn’t cover, that Plan F does, is the Medicare Part B deductible, which is $226 for 2023.
However, signing up for Plan G gives you a more affordable monthly premium than Plan F, making it an attractive option and the fastest-growing Medigap plan for new members.
Plan G offers members a comprehensive offering, covering Part A’s deductible, the excess charges in Part B, skilled nursing facility coinsurance, foreign travel emergencies, and much more.
Once you meet the deductible, essentially, it covers all other medical services except for preventative care, hearing, vision, and dental.
Most of Humana’s Medigap policyholders can access add-on services and health programs.
* These additional benefits may vary by state.
What Does Humana Medicare Supplement Plan G Cover?
The Federal government standardizes the cover offered in Plan G. So it’s the same cover you get from any other insurer. However, the cost of the Plan may vary between providers for the same care benefits.
That’s why it’s important to have a professional guide you through your decision to ensure you’re getting the best rates in your state for Plan G. Here are the benefits offered by Medigap Plan G.
Part A Deductible
$1,600 for the 2023 benefit period. This is the amount Part A Medicare beneficiaries must pay before their coverage kicks in.
With Plan G; you get full coverage for this amount.
Part A Coinsurance for Hospital Fees
Up to $400 per day for days 61-90 of inpatient hospital stays and $800 per day for stays over 90 days.
Part B Coinsurance and Copayments
20% of the Medicare-approved amount for medical treatments.
Part A Hospice Coinsurance and Copayments
Coinsurance of up to 5% for inpatient respite care and copayments for up to $5 for prescriptions involving symptom control and pain relief.
Part B Excess Charges
Up to 15% over the Medicare-approved amount with doctors’ offices and specialists.
First Three Pints of Blood
Original Medicare pays for the fourth pint of blood in transfusions. Plan G gives you the first three pints.
Coinsurance for Skilled Nursing Facility
Up to $200 per day for days 21-100 of inpatient stays at skilled nursing facilities. Plan G covers all costs for stays over 100 days.
Foreign Travel Emergency Care
Original Medicare pays 20% of costs, and Plan G covers the outstanding 80% of medical expenses.
What are the Costs of Human Medicare Supplement Plan G?
The average monthly premium for Medigap Plan G offered by Humana in 2023 is $131.44.
However, this amount can vary, depending on the state you live in.
Other factors may affect the cost of your monthly premium, such as:
- your age,
- health history,
- and smoking status.
Members in some states receive more affordable rates than others. For instance, members in California will pay more for Plan G than Atlanta residents.
It’s possible to get consulting advice online through the Humana website on your Plan G premiums. If you take this strategy, you could save 6% on your premium costs.
Unfortunately, online enrollment isn’t available in all states.
In these instances, you’ll need to assistance of a professional advisory service to help you calculate your premium rate and to see if Humana is the most affordable option for Plan G in your area.
If new members enroll in Plan G during the open enrollment period three months before and after their 65th birthday, they aren’t subject to underwriting.
Underwriting involves the process of evaluating your past medical history. Humana may use the underwriting information in the discovery process to charge you a higher fee or deny you coverage.
It’s also important to note that Humana offers a 12-month premium fee lock-up period where they won’t increase fees.
However, they usually increase your premium annually in line with factors like attained age and inflation.
Humana Medicare Plan G vs Plan N
Humana is like a big, safe umbrella that protects us when we’re not feeling well. It’s a company that helps us pay for doctors and hospitals when we’re sick. They have different plans like Medigap Plan N and Plan G, and both are good, but in different ways.
Plan G is like a superhero. It helps pay for almost everything when you’re not feeling well, including stays at the hospital, special nursing care, and even costs that are higher than what Medicare usually pays. So, if your doctor asks for more money than usual, Plan G has you covered. It’s like having a safety net that catches you when you fall.
On the other hand, Plan N is like a superhero’s sidekick. It might not be as powerful, but it’s still very helpful.
Plan N helps pay for many of the same things as Plan G, but it won’t pay if the doctor charges more than usual. Also, with Plan N, you might need to pay a little bit of money when you visit the doctor’s office or emergency room. But Humana Medigap Plan N is usually cheaper than Plan G, so it might be a good choice if you’re careful with your money.
The best part? Both Plan N and Plan G will help you even if you’re far from home, like on a vacation.
And you can see any doctor in the country that accepts Medicare, which is great!
So, choosing between Plan N and Plan G depends on what you need and how much money you want to spend. Plan G is like a bigger umbrella, but it costs more.
Plan N is smaller but more affordable. It’s important to think about what’s best for you and talk to a grown-up who knows a lot about these things, like an insurance professional.
Frequently Asked Questions
- What is Humana Medicare Supplement Plan G?
Humana Medicare Supplement Plan G is a health insurance plan that provides coverage for certain medical expenses not covered by Original Medicare.
It helps pay for costs such as deductibles, coinsurance, and copayments.
- What does Humana Medicare Supplement Plan G cover?
Humana Medicare Supplement Plan G covers a range of benefits, including Medicare Part A coinsurance and hospital costs, Medicare Part B coinsurance or copayments, blood transfusions, hospice care coinsurance, and skilled nursing facility care coinsurance, among others.
- How much does Humana Medicare Supplement Plan G cost?
The cost of Humana Medicare Supplement Plan G varies depending on several factors, including your location, age, gender, and health status.
- Can I keep my own doctor with Humana Medicare Supplement Plan G?
Yes, with Humana Medicare Supplement Plan G, you have the freedom to choose any doctor or healthcare provider who accepts Medicare patients.
There are no network restrictions, allowing you to continue seeing your preferred healthcare professionals.
- Is prescription drug coverage included in Humana Medicare Supplement Plan G?
No, prescription drug coverage is not included in Humana Medicare Supplement Plan G.
To get coverage for prescription medications, you will need to enroll in a separate Medicare Part D prescription drug plan.
- Can I switch to Humana Medicare Supplement Plan G from another Medicare Supplement plan?
Yes, you can switch to Humana Medicare Supplement Plan G from another Medicare Supplement plan if you meet the eligibility requirements.
- Are there any waiting periods with Humana Medicare Supplement Plan G?
In most cases, there are no waiting periods for coverage with Humana Medicare Supplement Plan G.
Once you are enrolled, the benefits of the plan will start immediately.
- Is Humana Medicare Supplement Plan G available in all states?
Humana Medicare Supplement Plan G is available in most states; however, availability may vary depending on your location.
- Can I get extra benefits with Humana Medicare Supplement Plan G?
Humana Medicare Supplement Plan G provides standardized benefits outlined by Medicare. It does not typically include additional benefits beyond what is required by law.
However, Humana may offer additional services or discounts through other plans or programs.
- How do I enroll in Humana Medicare Supplement Plan G?
To enroll in Humana Medicare Supplement Plan G, you can contact Humana directly or visit their website to request more information.
Begin your search for Humana Medicare Supplement Plan G insurance today!
If you believe that Humana Medicare Supplement Plan G is the ideal option for you. simply complete the form on the right to receive immediate quotes.
Should you have any inquiries or wish to speak with a licensed agent directly, please call 1-888-891-0229, and we will be happy to assist you with all your requirements.
Updated December 4th, 2022