Humana Medicare Supplement Review (2026): Cost, Pros & Cons

Humana sells all 10 standardized Medicare Supplement plans, each covering different benefits at different costs. Plan availability depends on where you live.

• Plan A: Covers basic Medicare Supplement benefits including Part A coinsurance, Part B coinsurance and three pints of blood annually without covering deductibles or foreign travel.
• Plan B: Includes Plan A benefits plus coverage for the Medicare Part A deductible of $1,736 in 2026.
• Plan C: Delivers comprehensive coverage including both Part A and Part B deductibles, skilled nursing facility coinsurance and foreign travel emergency care, but isn't available to people who became eligible for Medicare on or after Jan. 1, 2020.
• Plan D: Covers the Part A deductible, skilled nursing facility coinsurance and foreign travel emergency care without covering the Part B deductible.
• Plan F: Gives the most comprehensive Medicare Supplement coverage, paying all Medicare deductibles and coinsurance, but isn't available to people who became eligible for Medicare on or after Jan. 1, 2020.
• Plan G: Mirrors Plan F coverage except you pay the annual Part B deductible yourself, making it the most comprehensive plan available to all Medicare beneficiaries.
• Plan K: Covers 50% of most benefits until you reach the annual out-of-pocket limit, after which it pays 100% of covered services.
• Plan L: Covers 75% of most benefits until you reach the annual out-of-pocket limit in, offering middle-ground protection between high-deductible and comprehensive coverage.
• Plan M: Covers 50% of the Part A deductible along with full coverage for Part A and Part B coinsurance and foreign travel emergency care.
• Plan N: Requires you to pay the Part B deductible and modest copays of up to $20 for office visits and up to $50 for emergency room visits while covering most other Medicare expenses.

Humana also has high-deductible versions of Plan F and Plan G, which feature the same benefits with lower monthly premiums but require you to pay a $2,950 deductible in 2026 before coverage begins.

Humana offers Medicare Supplement coverage in 48 states and Washington, D.C., with plan availability and pricing methods varying by location. Most states have the popular Plans A, F, G and N, while some also have less common options like Plans B, C, K, L and M.

Humana's Medicare Supplement rates cost more than the national average for most plans, ranging on average from $170 to $524 per month for 65-year-olds. Seven out of 10 plan types cost more than average compared to competitors. Plans M and D have the largest price difference at $246 and $90 above the national average respectively, while Plans C, K and L also carry substantial premium surcharges. Humana prices Plans A, B and F competitively, though only slightly below average.

Your actual premium depends on your age, location and the pricing method Humana uses in your state. Humana uses attained age pricing in most states, which means your premium increases as you age. Some states have issue age pricing, which locks in rates based on your age when you first enroll, while others have community-rated plans that charge the same premium regardless of age.

Humana adds several perks to its Medicare Supplement plans beyond standard Medigap coverage, though not all benefits come with every plan.

• SilverSneakers Fitness Program: Most Humana plans include complimentary membership providing access to over 15,000 participating fitness locations nationwide, group exercise classes and personalized fitness plans. This benefit isn’t available with Humana Achieve plans.
• Vision and Hearing Discounts: Save money through EyeMed's Select network including LensCrafters, Pearle Vision and Target Optical, plus discounts on hearing exams and hearing aids.
• Meal Delivery Service: Qualifying members receive precooked frozen meals delivered to their home after an overnight hospital stay or nursing facility discharge to support recovery.
• 24/7 Nurse Advice Line: The HumanaFirst Nurse Advice Line connects you with registered nurses anytime for medical guidance and health questions.
• Prescription Drug Discounts: RightSource mail-order prescription service offers convenient home delivery of 90-day medication supplies, plus SmartSummary Rx monthly statements explaining benefits and savings opportunities.
• Digital Tools: MyHumana gives you secure access to view plan benefits, check claims, utilize pharmacy tools and manage your coverage through the website or mobile app.

Use the table below to explore Humana Medicare Supplement plans available in your state. Filter by location to compare plan options, pricing and availability, making it easier to narrow down coverage that fits your needs and budget.

MoneyGeek collected data for all Medicare plans nationwide for ages 65 and 75, using the plan browsing tool at Medicare.gov. Unless otherwise noted, the data in this article references quotes pulled for 65-year-olds in the state.

We scored Medigap companies based on three main categories to create a weighted score out of 5:

• Affordability (50%): Providers with the lowest monthly cost score higher.
• Pricing style (20%): Medigap insurers use three methods to determine premiums: community pricing, issue-age pricing and attained age pricing. We gave higher scores for pricing styles that are more stable and equitable, as follows: community pricing 1.0, issue-age pricing 0.8, attained-age pricing 0.6. Using this scaling, a slightly higher-cost community-rated plan can still score higher overall than a cheaper but more volatile attained-age plan.
• Plan and state availability (30%): Providers with a wider range of plan types score higher, with weighted scoring given to the most popular Plan G, Plan F and Plan N. Providers that have broader nationwide availability across more states also score higher.