Humana is usually one of the first names that comes up when people start shopping for Medigap, and for good reason. They’re in all 50 states, they offer more plan letters than most competitors, and their pricing is competitive in the majority of markets we checked.
We reviewed Humana’s Medigap plans as part of a larger comparison across seven major carriers. What stood out is that Humana is rarely the absolute cheapest option in any given zip code, but they’re almost never the most expensive either. They tend to land in that solid middle ground where you’re getting a well-known insurer with good financial backing at a fair price.
David Chen’s neighbor enrolled in Humana Plan G last year after comparing quotes from four carriers. Humana was $8/month more than the cheapest option (Aetna in that market), but she felt more comfortable with the brand. That’s a personal call, and we think it’s a valid one — especially since every Plan G covers the exact same things no matter who sells it. The only real difference is price and the experience when you need to use it.
Medigap premiums change over time and vary by location, age, and other factors. Always get a personalized quote and verify current information at medicare.gov or through a free SHIP counselor. Want to talk it through? Email hello@seniorslist.com — real people, real answers.
Humana Medicare Supplement Plan Review 2026
Humana is one of the largest and most recognized names in Medicare supplemental insurance. With plans available in all 50 states and a broad selection of plan types, they’re a go-to starting point for many seniors beginning their Medigap search.
Key Findings
Our review of Humana’s Medigap plans found:
- Broad national availability and plan selection
- Competitive premiums in most markets
- Multiple plan types to match different coverage needs and budgets
- Strong financial stability (AM Best A-)
- Household discount available for couples
Pros and Cons
Pros:
- Available in all 50 states
- Wide range of plan letters (A, B, C, F, G, K, L, M, N)
- Household discount available
- Competitive pricing in most markets
- Strong AM Best financial rating
Cons:
- Premium pricing can be higher than some competitors in certain markets
- No online enrollment discount comparable to Cigna’s
- Customer service reviews are mixed in some regions
Overview of Humana’s Medigap Plans
Basic Coverage — Plans A and B
Plans A and B provide essential Medigap coverage at the lowest premiums. Plan A covers the minimum required by law; Plan B adds the Part A deductible.
Best for: Seniors who want minimal supplemental coverage and prefer the lowest possible premium.
Cost-Sharing Plans — Plans K and L
Plans K and L have the lowest premiums but require cost-sharing until an annual out-of-pocket maximum is reached. Plan K requires 50% cost-sharing; Plan L requires 25%.
Best for: Very healthy seniors comfortable with paying a portion of costs in exchange for low premiums.
Balanced Coverage — Plans M and N
Plan M covers 50% of the Part A deductible; Plan N covers the full Part A deductible but requires copays for some doctor and ER visits.
Best for: Seniors seeking a middle-ground balance between premiums and coverage.
International Coverage — Plans D, G, M, and N
Plans D, G, M, and N include 80% coverage for foreign travel emergencies — valuable for seniors who travel internationally.
Comprehensive Plans — Plans F and G
Plan G is the most popular choice for new enrollees. It covers nearly all Medicare-approved costs except the annual Part B deductible. Plan F (available only to those Medicare-eligible before January 1, 2020) covers everything including the Part B deductible.
Best for: Seniors who want maximum coverage and predictable annual healthcare costs.
Understanding Humana Medigap Plan Costs
Premiums vary based on age, gender, location, and tobacco use. Humana uses attained-age pricing in most markets, meaning premiums increase as you age.
Sample Premium Ranges
These are approximate ranges for illustration. Get a personalized quote for accurate pricing.
| Plan | 65-Year-Old | 75-Year-Old |
|---|---|---|
| Plan K | $60–$80 | $90–$130 |
| Plan N | $100–$160 | $160–$250 |
| Plan G | $130–$200 | $200–$300 |
| Plan F (if eligible) | $160–$250 | $240–$350 |
Florida and New York tend toward the higher end of these ranges; Midwest and Southern states often fall toward the lower end.
How to Enroll
To enroll in a Humana Medigap plan:
- Verify you’re enrolled in Medicare Parts A and B
- Check that your enrollment is during your Open Enrollment Period or a guaranteed-issue event
- Get a quote at humana.com or by calling 1-800-213-5286
- Review plan options for your zip code
- Complete the application with your Medicare ID and Part B effective date
How Humana Compares to Competitors
Humana vs. Cigna
Humana covers all 50 states; Cigna may have limited availability in some states. Cigna’s online discount (up to 25%) can make their premiums competitive or lower than Humana’s in many markets. For Plan G specifically, compare actual quotes in your zip code.
Humana vs. Aetna
Both emphasize competitive premiums. Aetna’s prices are often the lowest in many markets; Humana’s broader plan selection may provide options Aetna doesn’t offer. Compare quotes from both.
Humana vs. Mutual of Omaha
Mutual of Omaha’s 12% household discount is superior to Humana’s discount for couples. Humana has broader plan availability (more plan letters). For individual seniors, compare premiums directly.
Our Recommendation
Humana is an excellent starting point for Medigap comparison shopping. Their nationwide availability, broad plan selection, and competitive pricing make them a reliable choice for most seniors. We recommend getting quotes from Humana alongside at least two other providers (Aetna and Mutual of Omaha are natural comparisons) to ensure you’re getting the best available rate.