Humana Medicare Supplement costs vary by plan type, your age, location, and whether you're a new or existing customer

Humana offers several Medigap plans — standardized supplement policies that work alongside Original Medicare. The monthly premium you pay depends on which plan letter you choose (Plan A, Plan G, Plan N, and others), your state, your age at enrollment, and Humana's pricing model in your area. There is no single "Humana Medicare Supplement cost" — you need to know your plan choice and zip code to see actual numbers.

Humana uses age-based pricing, meaning premiums rise as you get older. A 65-year-old and an 80-year-old on the same plan in the same location will pay different monthly amounts. Some Humana plans also offer introductory rates for the first year if you enroll during your initial may be able to access window, then the price increases in year two and beyond.

Key Takeaways

  • Humana Medicare Supplement premiums depend on your age, the specific plan (A, G, N, etc.), your state, and your zip code — not a fixed national price.
  • Plan G and Plan N are typically the most popular Humana options and often cost less per month than Plan A or Plan F.
  • You can see Humana's actual rates for your situation only by entering your zip code and birth date on their website or calling 1-800-HUMANA-1.
  • Humana may offer a lower rate in your first year if you enroll during your initial enrollment window, but premiums will increase after that period ends.
  • Your premium does not change if you switch from Original Medicare to a Humana Medigap plan — you keep paying the same amount each month.

How Humana's pricing model works

Humana uses age-attained pricing in most states, which means your premium goes up each year on your birthday or policy anniversary. This is different from issue-age pricing (where your rate is locked based on your age when you first enroll) or community rating (where everyone in your area pays the same regardless of age). Humana's approach means a 70-year-old will pay more than a 65-year-old on the same plan in the same zip code.

Some Humana plans also include a first-year discount if you enroll during your initial enrollment window — typically the month you turn 65 or within three months after. This introductory rate applies only to year one; your premium will jump in year two even if you do not have a birthday. After the first year, your premium increases annually based on age and any rate adjustments Humana makes in your state.

Plan options and typical price ranges

Humana offers Plan A, Plan G, Plan N, and sometimes Plan D or Plan F (depending on your state and enrollment date). Plan G and Plan N tend to have lower monthly premiums than Plan A because they require you to pay a higher deductible or copay when you use care. Plan A has no deductible but typically costs more per month. Plan F is closed to people new to Medicare after 2020, so most new enrollees cannot choose it.

Without your zip code and age, no one can quote you an exact price. A 65-year-old in rural Montana may pay $80 to $120 per month for Plan G, while a 65-year-old in a high-cost urban area might pay $140 to $180 for the same plan. These are rough examples only — your actual rate depends on Humana's underwriting in your specific location.

When and how to check Humana's rates for your situation

Visit Humana's Medicare Supplement page and use their rate tool, or call 1-800-HUMANA-1 (1-800-486-2621). You will need your zip code and date of birth. The tool will show you available plans, monthly premiums, and any first-year discounts you may receive. Rates update regularly, so the price you see today may differ from the price next month.

If you are turning 65 soon or losing employer coverage, you have a limited enrollment window during which Humana cannot deny you coverage or charge you more based on health history. Outside that window, Humana can underwrite (review your health) and may decline you or charge a higher rate. Knowing your enrollment window is important because it affects both your ability to enroll and the price you will pay.

Factors that affect your monthly premium

Age: Your premium rises each year. A 75-year-old pays significantly more than a 65-year-old on the same plan and in the same location.

Plan type: Plan G and Plan N cost less per month than Plan A because you pay more out-of-pocket when you use care. Plan A costs more upfront but covers more of your medical bills directly.

Location: Humana's rates vary by state and sometimes by county. Urban areas often cost more than rural areas. Your zip code is the most precise factor Humana uses.

Enrollment timing: If you enroll during your initial window (around your 65th birthday or within three months after), you may receive a first-year discount. Enrolling later or outside that window may result in a higher rate or medical underwriting.

Rate increases: Humana adjusts rates annually based on claims experience and inflation. Your premium will increase each year, even if you do not have a birthday.

What your premium does and does not cover

Your Humana Medicare Supplement premium covers the policy itself — the insurance contract that pays for costs Original Medicare does not cover, such as copays, coinsurance, and deductibles. It does not include your Original Medicare Part B premium (which you pay to Social Security or your state), and it does not cover prescription drugs (you need a separate Part D plan for that).

Once you enroll in a Humana Medigap plan, you keep your Original Medicare coverage and your doctor network does not change. You can see any doctor who accepts Medicare. Your Humana premium is separate from any other health costs you may have.

Comparing Humana to other Medigap insurers

Humana is one of several companies offering Medicare Supplement plans. Other major carriers include AARP (underwritten by UnitedHealthcare), Cigna, Anthem, and regional insurers. Because Medigap plans are standardized — Plan G from Humana covers the same benefits as Plan G from any other company — the main difference between insurers is price and customer service reputation.

To compare, you would need to get quotes from multiple insurers using the same plan letter, age, and zip code. Some people find Humana's rates competitive in their area; others find a different insurer cheaper. There is no single "best" company — it depends on your location and the plan you choose.

Frequently Asked Questions

Does Humana charge more if I have pre-existing conditions?

If you enroll during your initial enrollment window (around your 65th birthday), Humana cannot deny you or charge more based on health history. Outside that window, Humana can underwrite and may decline coverage or charge a higher rate. Timing your enrollment matters.

Can my Humana Medicare Supplement premium go down?

Premiums typically only go up, not down. Your rate increases each year based on age and Humana's rate adjustments in your state. Some people switch to a different insurer if another company's rates become cheaper, but your current Humana premium will not decrease.

What happens to my Humana premium if I move to a different state?

Humana's rates vary by state. If you move, your premium will change based on Humana's pricing in your new location. You may need to re-enroll or your policy may transfer with a new rate. Contact Humana before you move to understand how it affects your coverage.

Is the first-year discount worth waiting for, or should I enroll now?

If you are within your initial enrollment window, enroll now to lock in the first-year discount and avoid medical underwriting. Waiting past that window means you lose the discount and Humana can review your health. The discount is usually worth more than the risk of being denied or charged more later.

Do I pay Humana and Medicare, or just Humana?

You pay both. You pay Medicare Part B premium to Social Security or your state, and you pay Humana's monthly premium for the Medigap plan. Humana's premium is separate and in addition to your Medicare costs.