Humana Medicare Supplement Insurance Plan L: Variety of Services, Affordable Premiums

Many of the Medicare Supplement Insurance plans are similar in their approach and you may find that Humana’s Plan K and Plan L are very similar plans.  What is different are the items that are listed below that are part of the Medigap Plan L that is offered by Humana Insurance.  Like any other insurance coverage, not everything is listed but many options that you have to be covered are listed below.

• 100% coverage for Part A hospitalization coinsurance, plus coverage for 365 days after Medicare benefits end for your unexpected (and expected) hospital visits.
• 75% Hospice out-of-pocket cost sharing, which is obviously in excess of the Plan K coverage.
• 75% of Medicare-eligible expenses for the first three pints of blood, more than Plan K but still less than the basic benefits with most supplement insurance plans.
• 75% Part B coinsurance, except for preventive care services, which are covered 100%.
• 75% coverage for Skilled Nursing Facility coinsurance for the situations that you need it but are unable to cover the full cost on your own.
• 75% coverage for your Medicare Part A deductibles, which can be a life saver in the wallet.
• $2,310 out-of-pocket annual limit, much less than Plan K, but still a substantial amount to come up with on your own in addition to your premiums that you periodically pay.