Frequently Asked Questions
What is Medicare?
Medicare is a federal health insurance program that provides health care options for senior and disabled citizens. There are four parts: A, B, C and D.
What is Medicare Supplement insurance?
Medicare Supplement insurance is a private form of medical insurance that covers some Medicare out-of-pocket costs such as deductibles, copayments and coinsurance. Medicare Supplement insurance plans are different from Medicare Advantage plans.
What plans are available?
Humana offers 8 Medicare Supplement insurance plans: Plans A, B, C, F, G, K, L and N. Your plan availability may vary depending on your state. Massachusetts, Minnesota and Wisconsin offer different plan options.
Am I eligible?
If you are enrolled in Medicare Parts A and B and are 65 and older or have a qualifying disability, you may be eligible for Medicare Supplement insurance.
When should I apply?
The best time to buy is during your Medicare Supplement Open Enrollment Period.
Your Medicare Supplement Open Enrollment period last for six months. It starts on the first day of the month in which you are age 65 or older and enrolled in Medicare Part B.
Once your Medicare Supplement Open Enrollment Period starts, it can’t be changed. However, in some situations, you have the right to buy a Medicare Supplement policy out of your Medicare Supplement Open Enrollment Period. In some states these plans may be available to those under age 65. For those applying for a Medicare Supplement policy prior to age 65, your Medicare Supplement Open Enrollment Period begins on the first day you’re enrolled in Medicare Part B.
Note: You can send your application for Medicare Supplement insurance before your Medicare Supplement Open Enrollment Period starts. If you have coverage that will end when you turn age 65, sending your application before open enrollment allows you to have continuous coverage without any break.
Does Medicare Supplement insurance cover prescription drugs?
Medicare Supplement insurance plans sold after 2006 do not include prescription drug coverage. Prescription drug coverage is available through Medicare Part D.
