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Humana Medicare Supplement Plan Review in 2023

Humana Medicare Supplement Plan Review in 2023

Editor's Rating: 4.5 / 5


The Senior List is compensated when you click on the provider links listed on this page. This compensation does not impact our ratings or reviews.

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Humana, the third-largest health insurer in the country, is one of the most popular options for Medigap plans. With its combination of friendly customer service, simplified coverage, and some generous extra perks for policyholders, Humana is a great way to supplement your existing Medicare coverage.

Did You Know: To learn more about Medicare supplement insurance, including how to purchase it and when you’re eligible, take a look at my 2023 Guide to Medigap.

Humana Company Background

What exactly is Mutual of Omaha? The Nebraska-based insurance and financial-services company was founded in 1909, and it offers products such as Medicare supplement insurance, life insurance, group life, and disability insurance. The company is authorized to sell insurance in all 50 states and the District of Columbia.

As one of the pioneers in offering Medicare supplement plans (since 1966), the company has an extensive network of providers and is dedicated to making sure older adults’ out-of-pocket expenses are covered in full. It’s no wonder 10 percent of Medicare beneficiaries subscribe to Mutual of Omaha’s Medigap plans.

Which Medicare Supplement Plans Does Humana Offer?

Mutual of Omaha offers 10 standard plans, including Plans A, C, D, F, G, and N, with premiums ranging from $39.08 a month to more than $242.68 a month.

Here is an overview of its plans:

  • Plan A: The most basic Medigap policy, Plan A will cover Medicare coinsurance, hospital benefits, three pints of blood, and coinsurance for hospice care. You’ll still be responsible for your Medicare deductibles, however.
  • Plan C: Plan C is one of the most comprehensive forms of Medigap coverage, but it’s available only to people who were eligible for Medicare before 2020. The only thing this plan doesn’t cover is Medicare Part B excess charges.
  • Plan D: Offering only a middling level of coverage, Medigap Plan D is a good way to offset the cost of Medicare Part A deductibles.
  • Plan F: Medigap Plan F offers the broadest coverage of any Medigap plan. Like Plan C, Plan F is available only to people who were eligible for Medicare before 2020.
  • High-deductible Plan F: This plan provides the same comprehensive coverage as Plan F, but it kicks in only after you reach your out-of-pocket maximum. The upside to this plan is that it generally comes with very low premiums.
  • Plan G: Medigap Plan G is nearly the same as Plan F, except you’ll have to pay your Medicare Part B deductible out of pocket. For those eligible for Medicare only after 2020, however, this is the most comprehensive option available.
  • High-deductible Plan G: If you’re looking for low premiums, then you may want to consider this plan. It offers comprehensive coverage that won’t kick in until you reach your out-of-pocket maximum.
  • Plan N: For people who don’t mind copayments for office and emergency-room visits, Medigap Plan N offers solid coverage.

Top tip: Get a 12 percent discount if your household has someone over the age of 60, even if they are not a Mutual of Omaha policyholder.

Humana Medigap Plans

The goal of Medigap plans is to boost your Original Medicare coverage. Each plan is suited to a different need and budget, so you need to assess your health and expected health-care costs before choosing a plan. Here are the Medigap policies available through Mutual of Omaha, including their benefits and costs.

Extra Benefits of Humana

Plan A

Plan C

Plan D

Ideal for
Older adults want just the basic coverage benefits over their Original Medicare.
Older adults who want both deductibles to be covered at a lower premium

Older adults who want all the basic costs and part A deductible to be covered.

Monthly premium*


High deductible ($2,370 in 2021)
$70.28 per month

Contact a local agent

Medicare Part A (deductible)
$67.65 per month


Medicare Part A (coinsurance and coverage for hospital benefits)
$85.16 per month


*The monthly premium estimates are based on a 65-year-old male customer living in Anchorage, Alaska.

Mutual of Omaha Extra Benefits

Many extra services come with a subscription to a Mutual of Omaha Medigap plan, including access to more than 10,000 fitness facilities across the United States, discounts on wellness products, and a mobile app for personalized exercise and nutritional recommendations.


With this Mutual of Omaha program, you’ll receive discounts on healthy-eating products, personalized fitness programs, and free physical-activity courses with no additional contract required. The Mutually Well smartphone app enables you to create your own personal health plan, which I found to be helpful for keeping track of my goals. With Mutually Well, I was able to receive discounted rates on acupuncture, an herbal clinic, and even my local gym in Portland, Oregon.

Free Medical Alert System

Some subscribers may be eligible for free or discounted access to a medical alert system from Lifeline, one of the top devices in the industry.

How Much Do Humana Medigap Plans Cost?

The first step in applying for a Humana Medigap Plan is to visit Humana’s Medicare Supplement Plans website. The site is easy to navigate, and I was able to view a breakdown of the plans by following a few simple steps. First, it asks for your ZIP code. The site then directs you to a page asking for additional information: gender, date of birth, Medicare Part A and B coverage, and the intended start date for Medigap coverage. Clicking the Compare Rates button will bring you to a page listing every Medigap plan available in your state, including specific coverage and monthly premiums. The Humana site has a nice feature that allows you to compare up to three plans. Selecting the plans will take you to a page laying them out side by side in an intuitive, easy-to-understand way. To enroll in one of these Medigap Plans, licensed agents are available by phone from 8 a.m. to 8 p.m. daily. The Humana website also has a chat feature for tech-savvy individuals to request additional information.

Alternatives to Humana Medigap Plans

Humana offers solid coverage and a great online experience, but we have a few other favorite Medigap providers. Providers such as Aetna offer nationwide coverage, and broad insurance companies such as State Farm allow you to bundle Medigap with other types of insurance. If you’re shopping around for Medigap providers, here are some other options to consider:

  • Cigna: Cigna serves customers in over 30 countries, and offers a range of services including health, dental, and Medigap Plans F, high-deductible F, G, N, and A. Premiums are lower with high-deductible plans, and Cigna offers discounts if more than one person in a household is enrolled.
  • Aetna: Aetna offers a wide range of coverage to its more than 39 million customers worldwide. It has Medigap Plans A, B, C, N, G, and F, with some high-deductible options available. Aetna has a user-friendly website and a free Aetna Health App to track policies and manage accounts.
  • Blue Cross Blue Shield: Blue Cross Blue Shield offers Medigap Plans A, B, C, D, F, G, K, L, M, and N. Unlike some other providers, Blue Cross Blue Shield has what it calls a Select option on some plans that offers a lower premium but requires members to use doctors in a specific network.
  • UnitedHealthcare: UnitedHealthcare offers a wide range of Medigap Plans: A, B, C, F, G, K, L, and N. It is partnered with AARP for Medigap services, but plans can be purchased through UnitedHealthcare directly.

Medigap providers: To learn more about my favorite Medicare supplement plans, check out my rundown of this year’s best Medigap providers.

Bottom Line

With an impressive range of plans, coverage in every state, and a boatload of extra perks for subscribers, Humana is a great choice for Medigap insurance. It may not offer the most affordable premiums, but the added benefits and solid coverage can likely make up the difference.

To learn more about our favorite Medigap plans and providers, check out our helpful guides:

Humana Frequently Asked Questions

    • Mutual of Omaha offers 10 standard plans, including A, B, C, D, F, G, K, L, M, and N, in nearly all states. Wisconsin, Massachusetts, and Minnesota have their own plans.

  • To qualify for a Medigap plan, you must be enrolled in Medicare Parts A and Part B.

  • Both are add-ons to Medicare, but Medicare Advantage is ideal for people who are OK paying lower premiums for less coverage, network restrictions, and no coverage for copays and coinsurance. Medigap is a standardized set of plans ideal for older adults who prefer to pay higher premiums to avoid footing Medicare-approved expenses that Medicare doesn’t cover. Medigap plans also don’t pose any network restrictions, and they are guaranteed renewable.

  • You are not legally allowed to switch between Medigap plans unless it’s during the six-month open-enrollment period or there are special circumstances. That’s why it’s important to do thorough research before you buy a policy.


If you enroll in a Medigap policy during the open-enrollment period, you cannot be denied coverage even if you have preexisting conditions. The six-month open-enrollment period starts the month you turn 65 and get enrolled into Medicare Part B. If you apply after this period, the insurer reserves the right to reject your application or increase your premium.

Written By

Amie Clark

Amie has been writing about senior care products and services for the last decade. She is particularly passionate about new technologies that help improve the quality of life for seniors and their families. Seeing her parents and grandparents age made Amie ask herself, “Would this be good enough for my loved ones?” In her spare time, Amie enjoys outdoor adventures and spontaneous road trips. Learn more about Amie here