A Quick Guide to Humana Medigap Plan N

Why pay out-of-pocket expenses with Medicare when you can take care of them with a supplemental “Medigap” plan?

Humana Medigap Plan N offers a way to mitigate these costs, giving you more predictability in your annual healthcare expenses and more confidence, knowing you have some of the best coverage available to offset medical costs.

You’re eligible for a Medigap plan if you have Original Medicare Parts A & B.

Medigap has eight different options (10 if you include Plan C & F). With Medigap, you get a “gap cover” paying for many of the inpatient and outpatient medical expenses not covered by Original Medicare Parts A & B.

With Medigap, you won’t be left holding the bag after visiting the doctor or a hospital stay.

Several private insurers across America offer access to Medigap Plan N. This post covers the benefits of Humana Medigap Plan N and how it works.

We’re a leading brokerage helping you find the right Medigap provider anywhere in the United States.

You can rely on our team of experts to source the best Medigap provider in your state, securing you the lowest premium possible for Medigap Plan N.

Call us at 1-888-891-0229 or complete the contact form on this site. We’ll put you in touch with a broker for a free consultation.

Let us help you find the right plan N insurer and the best premiums rate in your state.

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Medigap Plan N is one of the most popular Medigap policies.

It offers beneficiaries a good level of coverage close to being comprehensive. Comparatively, only Plan G provides you with a better level of coverage.

(Plan F & C are also more comprehensive. However, they’re no longer available for people eligible for Medicare after January 1, 2020).

If you’re a senior or retiree that doesn’t incur many medical costs during the year but wants the best medical care if things go wrong, Plan N is a good option.

Since Plan N isn’t as comprehensive as G, F, or C, it comes with lower premiums, reducing the monthly cost of your healthcare.

Medigap Plan N offers you the following coverage:

• Medicare Part A hospital costs and coinsurance, including hospice care.
• Medicare Part A Deductible of $1,600 for 2023.
• Medicare Part B copayments and coinsurance for outpatient services and doctor visits.
• The first three prints of blood in transfusions which Original Medicare doesn’t cover.
• Coinsurance for stays at skilled nursing facilities.
• 80% of the medical costs incurred by emergency care services while traveling abroad.

Plan N doesn’t cover the following medical expenses:

• Part B excess fees – Plan N doesn’t cover you for the additional cost of consultations charged by doctors working outside of Medicare rates.
• Medicare Part B deductible – Plan N doesn’t cover the $226 Part B deductible.

With Medigap Plan N, you can visit any medical professional operating within the Medicare network nationwide.

However, you’ll need to make a 20% copayment for visits to the doctor’s office or a specialist until you meet the deductible limit of $1,600 for Part A.

You’re also responsible for a $50 copayment when visiting the emergency room, but only if you aren’t admitted to the hospital.

You can circumvent the excess charges by visiting doctors that charge Medicare rates (Medicare assignment).

Humana Plan N Additional Benefits

There are several additional benefits offered to qualifying Humana clients when taking Medigap Plan N.

Some of the other benefits include access to the SilverSneakers fitness program, allowing you to save on your gym membership costs if you’re an active senior.

Humana offers a meal delivery program, delivering pre-cooked healthy meals to your home after arriving home from a stay at the hospital or a nursing facility.

Humana also offers qualifying members discounts on prescriptions, hearing and vision services, and access to its Lifeline medical alert service and a nurse line service to handle health-related questions.

Humana Medigap Plan N – Monthly Premiums

Humana is one of the most expensive insurers for Medigap Plan N in most states. On average, their Plan N premiums are around 58% higher than the least expensive option in the region.

We examined the policy rates for a 65-year-old female nonsmoker in three cities. In Atlanta, Humana meets the average cost for a Plan N policy from all insurers.

They’re more expensive than average in Los Angeles, and lower than the average for members in Washington, D.C:

• Los Angeles average Plan N premium cost: $174.29.
• Atlanta average Plan N premium cost: $113.

Humana offers premium discounts of 6% for applying for a Medigap policy online.

There’s also a household discount if more than one person in your household signs up for a Humana Medigap policy.

Qualifying members receive a $2 monthly saving on their premium if they set up an automatic recurring payment using their bank account or credit card.

Humana Medigap Plan N – Customer and Industry Reviews

Unfortunately, Humana receives 251% more customer complaints than the industry average. Most of them relate to the higher premiums they charge compared to competitors.

However, Humana has an AM Best Financial Strength Rating of A-, meaning it spends most of its premiums on member benefits.