Humana is a Medicare Advantage company that also sells Medigap. That ordering matters. Humana covers roughly 7 million people in Medicare Advantage and is the second largest insurer in that market, while its Medicare Supplement block is a much quieter business that most people find only after they have already decided against an Advantage plan.
The quiet part has consequences. Humana does not publish a Medigap price anywhere on its own site, its plan availability changes sharply from state line to state line, and the company whose name goes on your policy is usually not “Humana” at all. Everything below comes from three state insurance departments that publish Humana’s actual filed premiums, plus Humana’s own disclosures.
What Humana Medicare Supplement Is
Medigap is standardized by federal law. A Humana Plan G and a Mutual of Omaha Plan G pay exactly the same benefits, because CMS defines what each letter covers. What differs is price, underwriting, discounts, and how fast the premium climbs as you age. That is the entire shopping exercise, and it is why comparing Medigap costs is a price hunt rather than a coverage hunt.
Humana’s Medicare Supplement page lists Plans A, B, C, F, G, K, L, and N. Plans C and F are closed to anyone who first became eligible for Medicare on or after January 1, 2020, which Medicare.gov confirms on its plan-benefit chart. In practice the live choice for most people is Plan G, Plan N, or high-deductible Plan G, and Plan F only if you were eligible before 2020.
None of those letters cover prescriptions. You still need a separate Part D plan, and you still pay Medicare the standard $202.90 Part B premium in 2026 per the CMS fact sheet published November 14, 2025.
How Humana’s Medigap Block Actually Works
Here is the structural fact nobody puts on a landing page. Humana sells Medicare Supplement insurance through eight separate insurance companies, and which one issues your policy depends entirely on your address. Humana’s own disclosure names them:
- Humana Insurance Company in AK, AZ, CA, DC, DE, HI, IA, LA, ME, MN, MO, MT, NE, NH, NJ, OR, RI, SC, SD, VT, WI, WV, and WY
- Humana Benefit Plan of Illinois, Inc. in CO, CT, IN, KS, MA, MD, NC, NM, NV, OH, and OK
- Emphesys Insurance Company in AL, GA, IL, and MS
- HumanaDental Insurance Company (domiciled in Wisconsin) in AR and UT
- CompBenefits Insurance Company in PA
- Humana Insurance Company of Kentucky in MI
- Humana Health Insurance Company of Florida, Inc. in VA
- CHA HMO, Inc. in KY
This is not trivia. The entity is what files the rates, what your state regulator supervises, and what the state guaranty association stands behind. It also explains why the same brand can be priced so differently two states apart: these are separate rate filings by separate legal companies.
You can watch it happen in the state charts. Maryland’s rate guide lists Humana under Humana Benefit Plan of Illinois, Inc., mailing address 500 West Main Street, Louisville. Nevada’s 2026 guide lists the consumer contact as Humana Insurance Company while its rate tables file the actual premiums under Humana Benefit Plan of Illinois. Washington’s chart lists Humana’s Medigap under HumanaDental Insurance Co, an entity Humana’s own state-by-state disclosure assigns to Arkansas and Utah.
Availability varies just as sharply. Humana’s disclosure names 43 states plus DC, leaving Florida, Idaho, New York, North Dakota, Tennessee, Texas, and Washington off the list entirely. Washington is the odd one out, because the Washington insurance commissioner’s own 2026 chart does list a Humana Medigap filing there, under HumanaDental. Treat Humana’s state list as a starting point and confirm against your regulator’s chart.
Which letters get filed varies too. Maryland’s guide shows Humana filing only Plans A, F, G, high-deductible G, and N there. Washington’s shows A, G, N, F, and both high-deductible versions.
What It Costs
Every figure below is a premium Humana filed with a state regulator, not an estimate. Maryland’s guide is dated as of July 1, 2026 and prices by attained age, meaning the premium climbs each year. Washington is a community-rated state, so one price applies at every age.
| Humana Medigap premium, age 65 | Maryland (male, preferred) | Maryland (female, preferred) | Washington (any age) |
|---|---|---|---|
| Plan A | $431 | $382 | $204 |
| Plan F (pre-2020 eligibles only) | $240 | $213 | $424 |
| Plan G | $205 | $182 | $330 |
| High-deductible Plan G | $62 | $55 | $66 |
| Plan N | $149 | $132 | $267 |
Three things that table is telling you.
Plan G roughly doubles between states. $182 in Maryland, $330 in Washington. Same benefits, same brand, different filed rate. If a broker quotes you “the Humana price,” it is only the price where you live.
Attained-age pricing is a slow escalator. Maryland’s chart follows the same male preferred Plan G from $205 at 65 to $218 at 70, $258 at 75, $314 at 80, and $367 at 85. That is a 79% increase over 20 years, on top of whatever general rate increases Humana files along the way.
Humana’s Plan A is priced oddly high. In Maryland it costs more than double its own Plan G, which covers far more. Plan A is the thinnest Medigap letter and is often a small, closed, adversely selected block. Do not assume the cheapest-sounding letter is the cheapest plan.
Humana publishes one illustrative range of its own. Its cost page shows 2026 monthly premiums for a 65-year-old non-smoking man in Greenwood, South Carolina at $96 to $578 for Plan G, $74 to $496 for Plan N, and $32 to $72 for high-deductible Plan G. Read that carefully: Humana sources it to Medicare.gov’s plan finder, so it is the spread across every carrier in that ZIP, not Humana’s own price.
Discounts and the Underwriting Penalty
Two Humana discounts are documented. The website advertises 6% off your monthly premium for enrolling online, excluding California, Connecticut, Ohio, and Pennsylvania. Maryland’s filing separately shows a 12% household discount for applicants who qualify, which generally means another eligible adult in the home holds a policy.
The much larger number is the penalty for applying late. Maryland’s guide files two Humana rate sets. “Preferred” rates apply during your six-month Medigap open enrollment period, your guaranteed-issue window, or a birthday-rule window. “Standard” rates apply to everyone else, and they run about 35% higher: male Plan G at 65 goes from $205 preferred to $276 standard, and Plan N from $149 to $192.
Medicare.gov’s own warning is blunter. Outside that window, “the insurance company is allowed to deny you a policy if you don’t meet their medical underwriting requirements.” A discount is worth a few percent. Timing is worth a third of the premium, or the policy itself.
Who It’s Good For and Who Should Skip It
A good fit if Humana’s filed rate happens to be low in your state. Because Medigap benefits are identical by letter, the only rational reason to pick Humana over anyone else is price plus rate-increase history. Check your state’s rate guide against Plan G versus Plan N before you shop brands.
A good fit if you want a household discount and your spouse is also buying. Twelve percent on two policies is real money over 20 years.
A good fit if you travel or split time between states. Medigap follows Original Medicare, so any provider that accepts Medicare accepts your plan, with no network and no referral.
Think twice if you are shopping on brand familiarity. You probably know Humana from its Medicare Advantage marketing. That business tells you nothing about how its Medigap block is priced or how fast it raises rates.
Think twice if the premium is a stretch. Medigap has no subsidy. If money is tight, check Medicare Savings Programs first, since those can cover your Part B premium regardless of which path you take.
Humana Medigap vs a Humana Medicare Advantage Plan
You cannot have both. Humana says so directly: you cannot enroll in a Medicare Supplement plan if you have a Medicare Advantage plan.
| Humana Medigap | Humana Medicare Advantage | |
|---|---|---|
| Monthly cost | $55 to $431 depending on letter and state, plus $202.90 Part B | $0 to $189 plan premium, plus $202.90 Part B |
| Provider access | Any provider accepting Medicare, nationwide | Plan network, county service area |
| Referrals and prior authorization | Not required | Required on Humana plans |
| Drug coverage | Buy a separate Part D plan | Built into most plans |
| Dental, vision, hearing | Not covered | Included on almost all plans |
| Yearly out-of-pocket limit | No cap needed, the plan absorbs cost sharing | Yes, capped in network |
| Can you switch back later? | Yes, into Advantage during open enrollment | Only with medical underwriting in most states |
The asymmetry at the bottom is the whole decision. Moving from Medigap to Medicare Advantage is easy. Moving back is not, because your guaranteed right to buy Medigap without underwriting is a six-month window that opens once. Our Medicare Advantage versus Medigap comparison walks through the trade, and Medicare Advantage versus Original Medicare covers the coverage side.
The Bottom Line
Humana is a legitimate Medigap carrier in most of the country, but it is not a national price. It is dozens of separate state filings issued by eight different companies, and the spread on Plan G alone runs from $182 to $330 a month at age 65 in the three state charts we pulled.
Do three things. Pull your own state insurance department’s Medicare supplement rate guide, which lists every carrier’s filed premium side by side and is the only apples-to-apples comparison that exists. Apply during your six-month open enrollment window, because Humana’s standard rates run about 35% above preferred and underwriting can end the conversation entirely. And ask which Humana entity issues the policy in your state, then look up that entity’s rate-increase history rather than the brand’s.
If you are still deciding between the letters, start with Plan G and Plan N, and compare Humana against the other carriers in this cluster: AARP/UnitedHealthcare, Mutual of Omaha, Cigna, United American, USAA, State Farm, and Blue Cross Blue Shield. If the parts of Medicare are still fuzzy, start here.