Humana Medicare Supplement Monthly Costs Vary by Plan and Location
Humana Medicare Supplement plans (also called Medigap) cost between roughly $100 and $300 per month, though your actual premium depends on which plan you choose, your age, your state, and whether you're a new customer or already insured with Humana. There is no single "Humana Medigap price"—the company offers multiple plan types, each with different coverage and different costs. A Plan G with Humana in Florida costs something different than the same Plan G in New York or Texas.
The best way to find what Humana charges in your area is to visit Humana.com, enter your zip code, and see plans available to you with their current rates. You can also call Humana directly at 1-800-833-2590 to speak with someone who can quote your specific situation. Rates change yearly, usually on January 1st, so what you see today is what you would pay if you enrolled now—not what you paid last year.
Key Takeaways
- Humana Medigap premiums typically range from $100 to $300 monthly depending on your age, location, and the plan letter you choose.
- Plan G and Plan N are the most common Humana Medigap options for people newly turning 65, and they have different out-of-pocket costs and monthly prices.
- You can see Humana's rates for your zip code on their website or by calling 1-800-833-2590 without any cost or obligation.
- Your age at enrollment affects your rate—enrolling at 65 locks in a lower age-based premium than enrolling at 70, even with the same plan.
- Rates increase each year, usually in January, so budget for your premium to rise over time.
How Humana Sets Medigap Premiums
Humana uses three main factors to calculate what you pay: your age, your zip code, and which plan letter you select. Age is the biggest driver—a 65-year-old pays less than a 75-year-old for the identical Plan G. Your location matters because state regulations, local healthcare costs, and competition differ. Plan choice matters because Plan G covers more than Plan N, so Plan G costs more.
Humana also distinguishes between new customers and people who already have a Humana Medigap policy. If you're switching from another company to Humana, you're treated as a new customer and may pay a different rate than someone who has been with Humana for years. Some states allow Humana to use "issue age" pricing (your age when you first enroll determines your rate forever), while others use "attained age" pricing (your rate goes up each birthday). Ask Humana which method applies in your state.
Plan Choices and What They Cost
Humana offers Plan A, Plan G, Plan M, and Plan N in most states. Plan G and Plan N are the most common for people newly may be able to access at 65. Plan G typically costs $20 to $50 more per month than Plan N but covers the Part B deductible (currently $240 per year), which Plan N does not. Plan N has a $20 copay for doctor visits and a $50 copay for urgent care, which Plan G does not.
The table below shows how these plans differ in cost structure, not exact Humana prices (which vary by location):
| Plan | Typical Monthly Range | Part B Deductible Covered | Doctor Visit Copay |
|---|---|---|---|
| Plan A | $100–$180 | Yes | No |
| Plan G | $140–$250 | Yes | No |
| Plan M | $120–$200 | No | No |
| Plan N | $120–$200 | No | Yes ($20) |
These ranges are examples only. Your actual Humana premium for any plan depends on your age and zip code. Humana does not offer Plan F or Plan C to people new to Medicare after 2020, so if you're newly may be able to access, Plan G is the most comprehensive option available to you.
When Your Rate Changes and Why
Humana raises rates once per year, usually effective January 1st. The increase applies to everyone on that plan in your state, not just you. Rate increases in recent years have ranged from 3% to 8% annually, though this varies by plan and state. You'll receive a notice of your new premium at least 30 days before it takes effect, usually in November or December.
If you disagree with a rate increase, you have the right to switch to a different Humana plan or to a competitor's Medigap plan during your annual open enrollment period (October 15 to December 7). You do not need to wait for your birthday or a may have access to event to switch—Medigap open enrollment is separate from Medicare's general enrollment period. However, if you switch plans, you may face medical underwriting depending on your state and how long you've had Medigap coverage.
How to Get a Quote From Humana
Visit Humana.com and use their Medigap plan finder tool. Enter your zip code, birth date, and the date you want coverage to start. The tool shows available plans with monthly premiums for your specific situation. You can compare plans side by side and see what each covers.
If you prefer to speak with someone, call Humana at 1-800-833-2590. A representative can answer questions about plan differences, explain what your out-of-pocket costs would be, and discuss whether Humana has plans available in your area. Some areas have limited Humana Medigap availability, so it's worth checking before you assume Humana is an option for you.
You can also work with an independent insurance broker who represents multiple companies. Brokers do not charge you a fee—they're paid by the insurance company—and they can show you Humana rates alongside rates from Aetna, AARP/UnitedHealthcare, Cigna, and others. This makes it easier to compare what you'd actually pay across companies.
Questions to Ask Humana Before You Enroll
Before you commit to a Humana Medigap plan, ask these questions:
- Does Humana use issue age or attained age pricing in my state? This affects how much your premium will rise each year.
- What is the exact monthly premium for the plan I'm interested in, and when does it take effect? Get it in writing.
- Are there any discounts available? Some companies offer discounts for automatic payment, paying annually instead of monthly, or being a long-term customer.
- What happens to my rate if I switch plans within Humana? Switching plans does not reset your age for pricing purposes, but rates differ by plan.
- How do I pay my premium, and what happens if I miss a payment? Humana typically allows 30 days of grace before cancellation, but confirm this.
Frequently Asked Questions
Is Humana Medigap cheaper than other companies?
Humana is sometimes the lowest-cost option in a given zip code and sometimes not. Rates vary by company, plan, and location. The only way to know is to compare quotes from multiple companies for the same plan in your area. AARP/UnitedHealthcare, Aetna, and Cigna are common competitors worth checking.
Can I get a Humana Medigap plan if I have pre-existing conditions?
If you enroll in a Medigap plan within six months of your Medicare Part B start date, Humana cannot deny you or charge more based on health history—this is called "may provide issue." If you enroll later, Humana may ask health questions and can decline coverage or charge more. Timing matters, so enroll during your initial enrollment window if possible.
What if I can't afford the Humana premium?
Some states offer programs that help low-income seniors pay Medigap premiums. Contact your State Health Insurance information Program (SHIP) to learn what's available in your state. You can find your state's SHIP at shiptalk.org or by calling 1-877-839-2675. You can also consider a lower-cost plan like Plan N instead of Plan G.
Does Humana offer discounts for paying annually instead of monthly?
Some Humana plans offer a small discount if you pay the full year upfront instead of monthly. Ask Humana directly whether this applies to the plan you're considering and how much you would save. The savings are usually modest—typically 2% to 5%—but worth asking about.
When can I switch from Humana Medigap to another company?
You can switch during the annual Medigap open enrollment period (October 15 to December 7) without medical underwriting. You can also switch if you have a may have access to life event, such as moving out of Humana's service area. Outside these windows, the new company may require health questions and can decline you or charge more.