Humana Medicare Supplement Plan Review in Florida

Humana is one of the largest health insurance companies in the United States, offering standardized Medigap plans in Florida with various benefits.

However, Florida residents should consider whether Humana provides the best value, stability, and customer service compared to stronger options like Florida Blue.

Medicare Supplement (Medigap) plans help cover the out-of-pocket costs that Original Medicare doesn’t. Picking the right plan is important—it can make a big difference in your long-term savings and healthcare coverage.

In this review, we will break down Humana's:

• Medigap plans
• Rate stability
• Benefits
• Customer experience
• Pros and cons

We'll also ask the question: Does Humana offer the best value in Florida for a Medicare Supplement plan?

Let's start with Humana's Medigap plan offerings.

Humana Medicare Supplement Plans in Florida

Humana offers several standardized Medigap plans in Florida, each designed to fill the gaps left by Original Medicare. Below is an in-depth look at the plans Humana provides and their coverage details.

Our Recommended Plans

For most Florida residents, the best Humana Medicare Supplement plans are:

Plan G – Most Popular Choice for New Enrollees

Plan G is considered the most comprehensive Medigap plan available to new enrollees, offering maximum coverage for out-of-pocket costs except for the Medicare Part B deductible.

It is a great option for those who want to minimize unexpected medical expenses and avoid surprise costs related to specialist visits, emergency care, and long-term hospital stays.

Plan G covers everything except the Medicare Part B deductible ($257 in 2025), making it one of the most predictable and comprehensive options available.

Who Should Choose Plan G?

Plan G is ideal for those who:

• Want to eliminate unexpected medical bills and have nearly all costs covered after meeting the Part B deductible.
• Frequently visit specialists or doctors that charge above Medicare-approved amounts, as Plan G covers excess charges.
• Want a long-term, predictable plan with minimal cost-sharing responsibilities.

Why Is Plan G Popular?

Several factors contribute to the popularity of Plan G:

Comprehensive Coverage: Plan G offers extensive coverage, minimizing out-of-pocket expenses for beneficiaries. This comprehensive nature makes it appealing to those seeking financial predictability in their healthcare costs.

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Alternative to Plan F: With the discontinuation of Plan F for new enrollees after January 1, 2020, Plan G has become the next best option for comprehensive coverage.

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Market Trends: In 2023, Plan G accounted for 73% of new sales premium and 72% of new lives covered, indicating a strong preference among new enrollees.

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High-Deductible Plan G – A Lower-Premium Alternative

For individuals looking to save on monthly premiums while still maintaining robust coverage, High-Deductible Plan G (HDG) offers a budget-friendly alternative.

This plan provides identical benefits to standard Plan G but requires beneficiaries to pay a deductible of $2,870 (2025) before coverage kicks in.

Who Should Choose High-Deductible Plan G?

This plan is best suited for those who:

• Rarely require medical services but want catastrophic coverage.
• Are comfortable paying more upfront in exchange for a lower monthly premium.
• Want to avoid the limitations of Medicare Advantage plans while maintaining access to any doctor who accepts Medicare.

Why Is High-Deductible Plan G Popular?

The popularity of High-Deductible Plan G stems from several factors:

Lower Premiums: Beneficiaries receive significantly reduced monthly premiums compared to standard Plan G, making it an attractive option for those seeking comprehensive coverage at a lower upfront cost.

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Catastrophic Coverage: After meeting the high deductible, beneficiaries receive full coverage similar to standard Plan G.

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Market Adoption: While specific market share data for High-Deductible Plan G is limited, the plan's structure appeals to cost-conscious beneficiaries who desire comprehensive coverage without high monthly premiums.

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Plan N – A Budget-Friendly Option With Some Cost-Sharing

Plan N is a cost-effective alternative to Plan G that maintains strong coverage while lowering monthly premiums through small copays and exclusions.

Who Should Choose Plan N?

Plan N is a great choice for:

• Seniors who want to save money and don’t mind small copays for doctor visits.
• Individuals who mostly visit Medicare-assigned doctors who don’t charge excess fees.
• Those who are comfortable trading minor out-of-pocket costs for lower premiums.

Why Is Plan N Popular?

Plan N's popularity can be attributed to several factors:

Lower Premiums: Plan N typically offers lower monthly premiums compared to Plans F and G.

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Balanced Coverage: While it requires some cost-sharing (e.g., copays for doctor visits and emergency room visits), Plan N still provides substantial coverage for many services.

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Market Share: Plan N has maintained a 10% share of the Medigap market over the years, making it a clear favorite after Plan F and Plan G.

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Other Humana Medigap Plans Offered

Plan A

Plan A provides basic Medigap coverage, offering essential benefits but lacking additional cost-sharing protections. It covers Medicare Part A coinsurance and hospital costs, Medicare Part B coinsurance, the first three pints of blood, and hospice care coinsurance.

However, it does not cover the Medicare Part A deductible, skilled nursing facility care, or Part B excess charges.

This plan is best suited for individuals who want minimal supplemental coverage at a lower cost and are comfortable handling more out-of-pocket expenses.

Plan B

Plan B offers slightly more coverage than Plan A by including the Medicare Part A deductible.

However, it still does not cover skilled nursing facility care or Part B excess charges.

This plan may be beneficial for those who want more protection against hospital expenses but do not need full coverage like Plan G.

Humana’s Medigap Pricing and Rate Increases in Florida

One of the biggest concerns for Florida Medicare beneficiaries is price stability. Unfortunately, Humana has a track record of high premiums and frequent rate increases.

​To get a clearer understanding of Humana's Medicare Supplement plans in Florida, I'll provide a detailed overview, including estimated monthly premiums, historical rate increases, and a real-life example illustrating the impact of these rate changes.​

Sample Monthly Premiums

Below are the estimated monthly premium ranges for some of Humana's popular plans in Florida:​

Important Note: Premiums are influenced by factors such as age, gender, location, and tobacco use.

Humana’s History of Rate Increases

One important thing for beneficiaries to keep in mind is how premium rates can change over time. Humana has had a pattern of increasing rates, which is worth taking a closer look at. Let’s break it down.

• Average Rate Increases: Medigap premiums generally rise annually, with average increases between 5% and 8%, depending on the plan and state. ​
• Specific Instances:
  • ‍California: 7.5% increase for Plans A, B, C, F, G, .and N.
  • Hawaii: 15.0% increase for Plans B, F, and G.
  • Maine: 6.5% increase for Plans A, B, C, F, G, K, L, and N. ​

Real-Life Scenario:

Consider the case of John S., a Florida retiree who enrolled in Humana’s Plan G at age 65 with an initial premium of $210 per month. Over five years, his premium escalated to $315 per month due to annual rate increases.

Seeking more stable premiums, John transitioned to Florida Blue, securing a lower and more predictable rate.​

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Customer Satisfaction and Complaints About Humana in Florida

While Humana is a well-known insurance company, it has a higher-than-average number of complaints regarding its Medigap plans.

Key Concerns Raised by Florida Policyholders:

• Billing and Rate Increases: Customers report unexpected rate hikes and difficulties with billing.
• Customer Service Issues: Many members complain about long wait times and unhelpful support staff.
• Claim Processing Delays: Humana has been criticized for slow claims approvals compared to competitors.

Humana’s complaint rate is 217% higher than the industry average according to NAIC data.

Real-Life Scenario:

‍Mary L., a 68-year-old from Tampa, had a billing issue with Humana where she was overcharged for three months. After multiple calls and delays, the issue remained unresolved.

She switched to Florida Blue, where she received faster and more efficient customer service.

Extra Perks: Do They Justify the Higher Cost?

Humana offers several additional perks designed to enhance its Medigap plans, but are these benefits enough to justify the higher premiums compared to other providers?

Perks Offered by Humana:

• SilverSneakers Fitness Program – Provides access to thousands of gyms and fitness classes across the country.
• Vision & Hearing Discounts – Offers savings on vision exams, eyeglasses, contact lenses, and hearing aids through Humana’s partner networks.
• 24/7 Nurse Hotline – Gives members access to licensed nurses who can provide medical guidance at any time.
• Post-Hospitalization Meal Delivery – Delivers meals to eligible members recovering from a hospital stay.

Are These Benefits Unique to Humana?

While these perks may seem appealing, they are not exclusive to Humana.

Florida Blue and other Medigap providers also offer similar benefits, often at a lower overall cost.

Additionally, many seniors already have access to gym memberships through other programs, and vision/hearing discounts are widely available outside of insurance plans.

Pros and Cons of Humana Medicare Supplement Plans

In summary, let's review the pros and cons of Humana's Medigap plans.

Pros:

• Comprehensive Plan Offerings – Humana provides a full range of Medigap plans, including Plan G, High-Deductible Plan G, and Plan N.
• Household Discounts – Some states offer household premium discounts for individuals who live with another Medicare enrollee, potentially lowering monthly costs.
• Extra Perks – Some Humana Medigap plans come with SilverSneakers (a fitness program), vision and hearing discounts, and a 24/7 nurse hotline for medical guidance.

Cons:

• Higher Premiums Compared to Florida Blue – In Florida, Humana’s Medigap premiums are often higher than Florida Blue, particularly for Plan G, which is one of the most popular options.
• Frequent Rate Increases – Humana has a history of above-average annual rate increases, with some policyholders seeing 5-8% premium hikes each year.
• Higher Complaint Rates – Humana receives more complaints about customer service and claims processing, according to NAIC complaint data.
• Limited Florida Market Share – While Humana is a major national insurer, its presence in Florida’s Medigap market is quite low.

Next, let's move on to a detailed comparison of Humana vs. Florida Blue -and explore why we believe Florida Blue is a better option for almost everyone.

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Humana vs. Florida Blue: A Medicare Supplement Comparison in Florida

When comparing Medicare Supplement (Medigap) plans in Florida, Humana and Florida Blue are two big names in the industry. Each company offers standardized Medigap plans that help cover the gaps left by Original Medicare.

Still, there are key differences in pricing, rate stability, customer service, and coverage that may influence your decision.

Below is a detailed comparison to help you determine which provider is the best fit for your needs.

Plan Offerings and Coverage

If you are new to Medicare Supplement plans, it’s important to understand that Medigap plans are standardized, meaning that each plan type (such as Plan G or Plan N) provides the same core benefits regardless of the insurance company offering it.

This means that a Plan G from Humana will have the same medical benefits as a Plan G from Florida Blue.

However, the key differences between these providers lie in pricing, rate stability, and customer experience. While both companies offer Plan G and Plan N, Florida Blue stands out as the better choice for most Florida residents due to its lower premiums, more stable pricing, and stronger local presence.

Premium Costs

Florida Blue consistently offers lower premiums, making it the more affordable option for Florida seniors. While Humana’s prices are competitive, they are often higher than Florida Blue, which can lead to significant long-term savings for those who choose Florida Blue over Humana.

Rate Stability

Choosing a Medigap provider isn’t just about the initial premium—it’s about how your rates will increase over time.

Humana has a history of higher rate increases, typically ranging from 5% to 8% annually. These annual hikes can quickly make an initially affordable plan unaffordable in just a few years.

Florida Blue, on the other hand, offers a rate lock feature, which helps prevent price increases due to age. This means that policyholders can expect more predictable, stable premiums over time, making Florida Blue the better choice.

Financial Stability and Market Presence

A provider’s financial strength can indicate its ability to maintain stable premiums and provide long-term customer support.

Here’s how Humana and Florida Blue compare in Florida’s Medigap market:

Florida Blue dominates the Florida Medigap market, covering 17.9% of all Medigap policyholders in the state. In contrast, Humana holds only 1.4% market share.

This indicates that Florida Blue is the more trusted, widely chosen option for Florida seniors, providing greater financial security and long-term sustainability.

Pros and Cons of Florida Blue Medicare Supplement Plans

Florida Blue is one of the most widely chosen Medigap providers in Florida, offering a range of benefits designed to provide stability and affordability. However, like any insurer, it has its strengths and weaknesses.

Pros:

• Same Age Forever Program – Florida Blue locks in your premium at age 65, meaning your rates will never increase due to age.
• Automatic Claims Filing – Florida Blue simplifies the claims process by allowing policyholders to present their Medicare and Florida Blue ID cards to their provider, with claims handled automatically.
• 30-Day Money-Back Guarantee – If you are not satisfied with your coverage, Florida Blue offers a full refund within 30 days of policy delivery.
• SilverSneakers Fitness Program – Florida Blue Medigap plans include access to SilverSneakers (for an additional premium), a nationwide fitness program for seniors that promotes wellness and social engagement.
• Strong Local Presence – Florida Blue holds nearly 18% market share in Florida’s Medigap market, making it the dominant provider in the state with well-established service centers and customer support.
• Foreign Travel Emergency Coverage – Certain Florida Blue Medigap plans include coverage for medical emergencies outside the U.S., up to plan limits.

Cons:

• Potential for Premium Increases Due to Inflation – While Florida Blue does not increase rates due to age, premiums can still rise over time due to inflation and healthcare costs.
• Does Not Cover Additional Services Like Dental and Vision – Florida Blue Medigap plans do not include routine dental, vision, or hearing coverage, requiring separate policies for these services.

Should You Choose Humana or Florida Blue?

After comparing Humana and Florida Blue, we've found that Florida Blue is the better choice for most Florida residents.

Here’s why:

• Lower Premiums: Florida Blue consistently offers more affordable pricing compared to Humana, especially on Plan G, where savings can reach up to $900 per year.
• Rate Stability: With fewer price hikes and a rate lock feature, Florida Blue ensures more predictable long-term costs.
• Local Support: Florida Blue’s strong presence in Florida makes it easier to get customer service and support.
• Financial Strength: With significantly more market share, Florida Blue provides stability and reliability.

How to Enroll in a Florida Blue Medicare Supplement Plan

Enrolling in a Florida Blue Medicare Supplement plan is a straightforward process, but it's important to ensure you meet eligibility requirements and apply at the right time to secure the best rates.

#1. Determine Your Eligibility: If you are 65 or older and enrolled in Medicare Part A and Part B, you are eligible for a Medigap plan. The best time to enroll is during your Medigap Open Enrollment Period, which lasts six months from the month you turn 65 and enroll in Part B. During this time, you cannot be denied coverage due to health conditions.

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#2. Compare Plan Options: Florida Blue offers several Medigap plans, including Plan G, Plan N, and High-Deductible Plan G. Reviewing the benefits, premiums, and out-of-pocket costs for each will help you choose the right plan for your needs.

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#3. Request a Quote: Contact Florida Blue or a licensed Medicare agent to get a quote and compare premium rates. Many enrollees find that working with an agent simplifies the process, as they can answer questions and help with paperwork.

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#4. Complete the Application: Once you select a plan, you’ll need to fill out an application, which may require basic health history information if applying outside the Open Enrollment Period. If you qualify for guaranteed issue rights, you can enroll without undergoing medical underwriting.

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#5. Finalize Enrollment and Start Coverage: After your application is approved, you’ll receive your policy details and Medigap ID card. Coverage typically begins the following month, ensuring there is no gap in your Medicare benefits.

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Bottom Line: Florida Blue Wins

When comparing Humana and Florida Blue side by side, the choice becomes clear. While Humana offers a variety of plans and extra perks, the higher premiums, frequent rate increases, and customer service complaints make it a less reliable choice for Florida seniors.

Florida Blue, on the other hand, offers lower and more stable premiums, a strong local presence, and additional benefits that make coverage easier and more convenient. With the Same Age Forever program preventing age-based rate hikes, automatic claims filing, and fitness and travel perks at no extra cost, Florida Blue provides the best balance of affordability and long-term value.

For those looking for a plan that saves money while ensuring stability and peace of mind, Florida Blue is the best Medicare Supplement provider in Florida.

Get Expert Help With Your Medigap Plan

If you're considering enrollment in a Medigap plan, speaking with a licensed Medicare agent at Policy Guide can help simplify the process. Our experienced agents will assist you in comparing plans and evaluating your options.

By switching during an optimal enrollment period, you can lock in better rates and avoid common frustrations like unexpected rate hikes, customer service delays, and claim processing issues seen with Humana.

Contact Policy Guide today - we're happy to help!