Medigap Plans by Humana Healthy Living

There are 10 different Medigap Plans offered by Humana Healthy Living available to residents in Illinois. This page outlines the Medicare Supplement insurance plans and benefits from Humana Healthy Living, as well as information to help you get an accurate quote.

*Under 65 -- If this plan is avaiable to people under the age of 65.

*Community Rated Pricing -- The base premium is the same for everyone in the area, regardless of age.

*Issue Age -- The premium is based on your age at issue. And the premium will only increase with the carriers state-wide increase.

*Attained Age -- The carrier will price the policy based on your age at issue and the premium will increase over time with your age. This is the most common pricing method that carriers use.

Medigap Plan A

All insurance companies including Humana Healthy Living that sell Medicare Supplement Plans Medicare Supplement Plans must offer Plan A. This is the most basic policy covering your expenses for Medicare Part A (Hospital Coverage) and Part B (Medical Insurance) and hospice care that the government doesn’t pay in IL.

Medigap Plan F

Plan F is the most popular Medigap Plan in Illinois. Medicare supplement Plan F offers the most comprehensive coverage of any plans by Humana Healthy Living. It includes all the coverage of plan C with help paying your Plan B excess charges. Plan F with a high dedudictible you must pay for Medicare-covered costs (coinsurance, copayments, deductibles) up to the deductible amount of $2,300 in 2019 before your policy pays anything. There are No Co Pays, No Deductibles and No Out of Pocket Costs with Plan F. That means if your Medicare Part A or Part B pay a penny on any doctor or hospital charges, this policy will cover the gap.

Medigap Plan K

Medigap Plan K results in lower premiums because it does not offer extensive coverage for many healthcare expenses. Plan K still offers 100% coverage on Medicare Part A coinsurance and hospital costs. But only pays 50% coverage on Medicare Part B, blood, hospice care, skilled nursing facility care and Part A deductible. Medicare Supplement by Humana Healthy Living Plan K does not cover the Medicare Part B Deductible, Part B excess charges, or foreign travel emergencies. The 2020 out-of-pocket (OOP) limits for Medigap plans K are $5,880.

Medigap Plan N

Plan N Medisupp Plan pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don’t result in an inpatient admission. You will be responsible for all Part B deductible and excess charges with Plan N

* Plan K and L have a deductible. The 2020 out-of-pocket (OOP) limits for Medigap plans K & L are $5,880 and $2,940, respectively.

*Plan F is also offered as a high-deductible plan by some insurance companies. If you choose this option, you must pay for Medicare-covered costs (coinsurance, copayments, deductibles) up to the deductible amount of $2,300 in 2019 before your policy pays anything.

*Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don’t result in an inpatient admission.

*Excess Charges - If you see a provider that doesn’t participate in Medicare, the provider can charge up to 15% more than the standard Medicare rate. You will have to pay it out-of-pocket unless you have a Medigap plan that includes benefits for Part B excess charges.

Starting January 1, 2020, Medigap plans sold to new people with Medicare won’t be allowed to cover the Part B deductible. Because of this, Plans C and F will no longer be available to people new to Medicare starting on January 1, 2020. If you already have either of these 2 plans (or the high deductible version of Plan F) or are covered by one of these plans before January 1, 2020, you’ll be able to keep your plan. If you were eligible for Medicare before January 1, 2020, but not yet enrolled, you may be able to buy one of these plans.