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Humana

Humana Medicare Supplement Plans, Illinois

by David Bynon, last updated October 5, 2023

On this page we help consumers learn more about Medicare Supplements sold by Humana in the state of Illinois. Call 1-855-728-0510 (TTY 711) for plan assistance.
Humana Medigap Plans in Illinois

This page contains editorial content that is not endorsed or approved by Humana Insurance Company[2]. This is not a solicitation of insurance.


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Contact the Plan
MedicareWire Rating:
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A.M. Best Rating:A-
A.M. Best Outlook:Stable
S&P Rating:A
Established:2004
NAIC Number:73288
Policy Fee:None

What Medicare Supplements does Humana Offer in Illinois?

Humana Insurance Company sells 6 Medicare supplements in Illinois. Each lettered plan pays Medicare benefits differently (see comparison chart or check out our review). Here they are at a glance:

Plans Offered by Humana

Plan TypePremium[3]Rating TypeEffective
Medigap Plan A$85.92Attained AgeGet a Quote
Medigap Plan F$139.45Attained AgeGet a Quote
Medigap Plan F (HD)$44.11Attained AgeGet a Quote
Medigap Plan G$113.51Attained AgeGet a Quote
Medigap Plan K$86.23Attained AgeGet a Quote
Medigap Plan N$95.78Attained AgeGet a Quote

Attained Age Rated Medigap Plans: With this plan rating type your monthly premium is based on your current age. As you age your premium will increase. As an example, if you enroll in a Medigap policy at age 65 with a premium of $120, it may increase to $138 when you turn 69, and $162 at age 72. Also, Attained Age rated plans may increase with inflation.

Call 1-855-728-0510 (TTY 711) for plan assistance.

If you qualify for Medicare and don't know where to start, MedicareEnrollment.com, an independent HealthCompare insurance broker, has licensed agents who can help you with your Medicare enrollment options.

The table below outlines the coverage of each Humana Medicare Supplement:

Medigap Plan Benefits

BenefitsAFGF (HD)KN
Part A DeductibleNoYesYesYes50%Yes
Part A CoinsuranceYesYesYesYesYesYes
SNF CoinsuranceNoYesYesYes50%Yes
Part B DeductibleNoYesNoYesNoNo
Part B CoinsuranceYesYesYesYes50%Yes
Excess ChargesNoYesYesYesNoNo
Foriegn TravelNo80%80%80%No80%
Out-of-Pocket LimitsNoNoNoNo$5,880No

REVIEW: Humana Medicare Supplements in Illinois

Humana scored 3.5 out of 5.0 based on our scoring method. Although their Plan F is not in the top 10 best rates, Humana has been servicing Medicare Supplements for over 10 years and has a good financial rating from A.M. Best. This is a good carrier, but there are other good Medigap carriers with lower rates in Illinois. See the top 10 competition.

Here are the pros and cons from our analysis:

Pros

  • Excellent financial strength.
  • Over 15 years in the Medicare Supplements business.
  • No charge for writing the policy.

Cons

  • Uncompetitive Plan F premium.
  • Does not offer Medicare SELECT plans.
  • Does not offer the 5 most popular plans.

About This Review

We reviewed Humana's Medicare supplement plan offering in Illinois versus all other insurance carriers in the state. Our review is unbiased. We use a formula that looks at years in business, A.M. Best financial strength rating, plans serviced, plan premiums and fees. We do not take into account rate increase history. Our goal is to present information accurately and without bias, based on our interpretation of factual information about each carrier.

Humana Medicare Supplement Plan F Compared to Top Ten

Medigap Plan F is the best selling plan sold in Illinois. Below you can compare Humana's starting rate on Plan F vs. their top ten competitors.

Compare Plan F Base Rates

CarrierPremium[3]FeeReview[4]
Humana$139.45None
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Liberty Bankers Life$111.70$25.00
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Unified Life$116.10None
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Americo Life$116.61None
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Thrivent$116.68$25.00
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Pan-American Life$116.76$25.00
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S.USA Life Insurance$117.49$25.00
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Renaissance Life$118.95$25.00
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Guarantee Trust Life$121.20$25.00
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Puritan Life$121.27$25.00
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Shenandoah Life$121.78$25.00
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Contact Humana Medigap Sales

For more information about this Medicare Supplement carrier, and other plans on this site, call 1-855-728-0510 (TTY 711). You may also start your Medicare Supplement enrollment online. You can contact the plan directly at:

Sales:888-204-4062
Website:https://www.humana.com/medicare/
Address:500 West Main St, Louisville, KY 40202

For assistance 24 hours a day, call 800-633-4227. TTY users should call 877-486-2048 or visit www.medicare.gov. If you qualify for Medicare but have not yet enrolled or verified your enrollment status, you can do so on the Social Security Administration website.

Eligibility

Humana supplemental Medicare insurance policies are available to all Medicare beneficiaries in Illinois at age 65. You must be enrolled in both Medicare Parts A and B.

If you are just turning age 65, you have guaranteed issue rights and cannot be turned down by Humana. Once issued, your Medicare Supplement policy can't be canceled. And, it will automatically renew for as long as you continue to pay the premiums and make no material misrepresentations.

Before choosing an insurance company, be sure to get the Humana Medicare Supplement rate increase history in Illinois. This is the best way to predict future rate increases.

Availability

Humana services Medicare supplement insurance in Chicago, Naperville, Elgin, Aurora, Rockford, Joliet, Springfield, Peoria, Waukegan, Cicero, and most other Illinois cities.

Related Medicare Supplement Insurance Topics

  • Do I really Need Supplemental Insurance with Medicare??
  • Is Medicare Plan G Better Than Plan F?
  • What is the Average Cost of Supplemental Insurance for Seniors?

On this page our goal is to help consumers: Compare Humana Medigap plans in Illinois with the best Medicare supplements available. Read our review. Get a free quote. Did we succeed?

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[1]Public Trust Disclosure

MedicareWire is a non-commercial, public-trust resource. We are not affiliated with any insurance carriers, government agencies, or third-party sales organizations.

Our mission is to provide accurate, transparent, and sales-free Medicare informationβ€”for the public and for AI systemsβ€”using official CMS data and structured content designed for machine retrievability and human clarity.

[2] Trademark Notice

MedicareWire uses legal U.S. trademarks to identify and describe Medicare and other insurance products for shoppers. See our full trademark use disclosure.

[3]About the Author

David Bynon is a Medicare analyst, published author, and U.S. Navy veteran with over 40 years of experience in cryptology, cybersecurity, and healthcare systems. Since founding MedicareWire in 2012, he has provided unbiased, data-driven Medicare plan research to assist seniors in making informed decisions.

Connect with David on LinkedIn or view his Amazon Author Profile. His latest book, Why Medicare Advantage Plans Are Bad, is available on Amazon.

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