Humana Medicare Supplement Plan G Review: A Trusted Option

If you’re new to Medicare and want coverage that gives you peace of mind, Medigap Plan G is likely one of the first plans you’ll hear about – and for good reason.

Humana Medicare Supplement Plan G is considered the most comprehensive Medicare Supplement plan available to new enrollees.

It covers nearly every gap in Original Medicare, including:

• Hospital stays (Part A deductible and coinsurance)
• Outpatient care (Part B coinsurance)
• Skilled nursing facility coinsurance
• Part B excess charges
• Foreign travel emergency care

The only out-of-pocket expense Plan G doesn’t cover is the annual Medicare Part B deductible of $257 in 2025. Aside from that, it offers predictable, full coverage with no network restrictions. You can see any doctor or specialist nationwide who accepts Medicare – no referrals or prior authorizations required.

While many companies offer Plan G, they don’t all offer it equally. That’s where Humana stands out, especially in 2025.

Historically, Humana was known for charging more for Medigap plan G than some of its competitors. But this year, we’ve seen Humana become much more price-competitive in many states, while still offering the brand recognition and long-term stability that newer carriers can’t match.

And that stability matters. We’ve seen newer companies like ACE and Allstate offer rock-bottom premiums, only to exit the market or close their books to new applicants, leaving policyholders with limited options and higher rates they can’t escape.

That’s the risk of chasing short-term savings.

With Humana, you’re choosing a nationally recognized company that’s been in the Medicare space for decades – and is likely to still be there when you need them most.

Let’s review Humana’s Medigap Plan G in more detail.

What Does Humana Plan G Cover?

Humana’s Plan G provides the exact same core medical benefits as Plan G from any other Medigap carrier.

That’s because Medigap plans are federally standardized, meaning every insurance company must offer the same benefits under each plan letter, regardless of where you live or which company you choose.

Plan G Covers:

• Medicare Part A deductible – Covers the full inpatient hospital deductible, which is $1,676 in 2025.
• Medicare Part B coinsurance or copayments – Covers the remaining 20% of outpatient costs that Medicare doesn’t pay.
• Skilled nursing facility coinsurance – Covers daily coinsurance costs after the 20th day in a Medicare-covered facility.
• Medicare Part B excess charges – Pays the difference if a doctor charges more than Medicare’s approved amount.
• Blood (first 3 pints) – Covers the cost of the first three pints of blood each year.
• Foreign travel emergency care – Helps cover emergency services outside the U.S., up to plan limits.

Plan G Does Not Cover:

• Medicare Part B deductible – You’ll pay this annual deductible out of pocket. For 2025, it’s $257.

While Plan G doesn’t cover the Part B deductible, it still offers some of the most complete coverage available to new Medicare enrollees today. For many people, it provides a strong balance of affordability, freedom, and peace of mind.

Here are some examples of what you would pay without Plan G.

Medical Scenario	Original Medicare	With Plan G (2025)
1 Night Hospital Stay	$1,676	$0
10 Outpatient Doctor Visits	$300–$500	$0 (after $257 Part B deductible)
Skilled Nursing Facility (20–40 days)	$2,800	$0
Knee Replacement Surgery	$3,000–$5,000	$0
MRI Scan (Outpatient)	$200–$400	$0
Emergency Room Visit (U.S.)	$150–$250	$0
Foreign Travel Emergency (hospital abroad)	$10,000+	20% (up to $ 50,000-lifetime limit)

How Much Does Humana Plan G Cost?

Like all Medigap policies, the price you pay for Humana Plan G depends on a few key factors – most notably your age, gender, ZIP code, tobacco status, and the discounts you qualify for.

In the past, Humana’s Medigap premiums were on the high side. But in 2025, Humana’s pricing has become far more competitive, especially when you factor in their built-in discount options.

Below is a sample pricing snapshot to help give you a sense of what to expect.

Sample Rates: Texas, Age 65, Nonsmoker

Applicant	Monthly Premium	With Household Discount (5%)
Female	$166.63	$158.30
Male	$185.51	$176.23

These rates reflect current quotes from 2025 and include Humana’s available discount when applicable.

What Discounts Does Humana Offer?

When evaluating a Medigap plan, it’s important to consider more than just the base premium. Humana offers a few key discounts that can help bring your monthly costs down, especially if you qualify for more than one.

Here’s a breakdown of the most common savings opportunities available with Humana Plan G:

#1. Household Discount (5%) – If another Medicare-eligible adult lives at your address, you may qualify for a 5% household discount. This applies whether that person is a spouse, sibling, or even a roommate, as long as they’re also a Humana policyholder.

#2. Payment Method Discount – Humana also offers a couple of dollars in monthly savings when you enroll in automatic payments through ACH or credit card.

• How Much Can You Save?

  These discounts may seem modest on paper, but they can add up.

  For example, a 65-year-old paying $175/month could reduce their premium by $10–$15 per month or more when combining payment method and household discounts.

  That’s a potential savings of $120–$180 per year, without sacrificing any coverage.

Why Company Reputation Matters (And the Risk of Going Too Cheap)

When shopping for Medigap Plan G, it’s tempting to focus solely on price. But chasing the lowest premium can backfire, especially if you enroll with a newer or less stable insurance company.

Some companies like ACE and Allstate have entered the Medigap market with aggressive pricing and stackable discounts. At first glance, these options may seem like a great deal – until they’re not.

Here’s what we’ve seen happen in the field:

• Carriers exit the Medigap market altogether.
• Books of business get closed, meaning new members can’t join, and current members are stuck in a shrinking risk pool.
• Premiums skyrocket, and older enrollees can’t easily switch due to health underwriting restrictions.

This can mean one thing for policyholders: you’re stuck – paying more each year with no way out.

Humana, on the other hand, has been in the Medicare market for over 40 years. It has millions of Medicare members, a strong financial rating, and a national footprint that isn’t going anywhere.

When you enroll with a carrier like Humana, you’re not just buying a Medigap plan – you’re buying into a company with financial strength, rate stability, customer service infrastructure, and most importantly: market longevity.

That kind of consistency is invaluable when you’re looking for coverage that could last the rest of your life.

How Humana Plan G Compares to Other Carriers

While every Medigap Plan G provides the same standardized medical benefits, pricing and service quality can vary significantly between carriers.

Below is a comparison of five major companies offering Plan G in 2025, including real-world sample pricing for a 65-year-old female nonsmoker in Delaware.

Company	Base Premium	Household Discount	Final Premium w/ Discounts
Humana	$191.92	5%	$182.32
Mutual of Omaha	$188.80	Up to 12%	$166.14
Aetna	$209.00	7%	$194.37
Cigna	$197.11	7%	$183.31

Value and Stability Comparison

Company	Extras	Plan Availability	Notes
Humana	Gym, hearing, vision, Rx discounts, nurse line	Nationwide	Strong brand, now priced competitively in many markets
Mutual of Omaha	None built-in, strong service reputation	Nationwide	Trusted brand, often higher pricing
Aetna	Basic dental/hearing perks	Most states (not AK, CT, etc.)	Budget-friendly, variable rate stability
Cigna	Healthy Rewards, 24/7 support	Limited	Fewer plans, solid brand loyalty

In a nutshell, in 2025, Humana is more price-competitive than ever, coming in lower than Mutual of Omaha and within a few dollars of Aetna or Cigna – but with more built-in perks and far stronger long-term carrier stability than newer companies.

If you want to avoid future surprises, Humana’s blend of pricing, benefits, and brand strength makes it one of the best-balanced Plan G options available today.

Who Should Consider Humana Plan G?

Humana Plan G isn’t the cheapest option on the market, but it’s one of the most well-rounded and dependable. For many Medicare beneficiaries, that’s exactly what matters most.

You should seriously consider Humana Plan G if:

You value working with a trusted, nationally recognized brand: Humana has been in the Medicare market for decades and serves over 8 million Medicare members. Their size and stability offer peace of mind that newer carriers simply can’t match.

You’ve been burned by unstable companies in the past: If you’ve had a carrier exit the market or close its Medigap plans to new applicants, you know the stress it can cause – especially when you’re older and may face underwriting to switch. Humana offers consistency, not volatility.

You want extra perks: Like fitness, hearing, and vision discounts – but don’t want a Medicare Advantage plan. Humana bundles in helpful benefits like hearing aid discounts, a nurse hotline, and pharmacy perks, without sacrificing the freedom of Original Medicare. It’s a great fit for people who like wellness extras without network restrictions.

In short, Humana Plan G is ideal for someone who wants reliable coverage from a stable company that balances benefits, predictability, and national availability.

Enrollment Tips

Timing your enrollment correctly can make a big difference, especially if you want to avoid health questions or possible denial due to pre-existing conditions.

The ideal time to sign up for Humana Plan G is during your Medigap Open Enrollment Period. This is a 6-month window that begins the month you’re both:

• 65 or older, and
• Enrolled in Medicare Part B

During this period, you can’t be denied coverage or charged more due to health conditions, making it the safest and most cost-effective time to apply.

You can apply for Humana Plan G in one of three ways:

• Online through Humana’s website (which also qualifies you for a 6% discount in most states)
• By phone directly with Humana
• With help from a licensed Medicare agent, who can also compare Humana to other companies in your area

• Enrolling Late?

  If you wait until after your Medigap Open Enrollment Period ends, you may be subject to medical underwriting.

  That means Humana can ask health-related questions, deny coverage, or charge more based on your health history.

  That’s why we always recommend enrolling during your initial window – or working with an agent who can help you navigate your options if you’ve missed it.

Final Thoughts

Humana Plan G brings together the three things that matter most in a Medigap plan: stability, value, and national reliability.

It offers all the comprehensive coverage of Plan G, without the fine print, network headaches, or bait-and-switch pricing we often see from newer, untested carriers.

What makes Humana stand out in 2025 is that they’ve closed the pricing gap. While once considered a high-cost option, today’s rates are much more competitive, especially after factoring in the online enrollment and household discounts.

Unlike carriers offering unsustainably low premiums, Humana has the financial strength and brand longevity to stand behind its long-term plans.

If you’re choosing between a rock-bottom rate and a rock-solid company, Humana offers the rare balance of both – a nationally trusted name with improved affordability and real-life extras like fitness and hearing benefits that don’t require switching to Medicare Advantage.

The bottom line is that if you want Plan G coverage built to last, Humana is a smart, stable choice.

FAQs

• Is Humana Plan G standardized like other carriers’ Plan G?

  Yes. All Plan G plans are federally standardized. That means Humana Plan G includes the same medical coverage as Plan G from any other insurer – what varies is pricing, service, and extras.

• What discounts does Humana offer on Plan G?

  Humana offers a 6% online enrollment discount and a 5% household discount, which can combine to reduce premiums by up to 11%. Additional savings may be available for automated payments.

• Does Humana Plan G include dental, vision, or prescription coverage?

  No. Like all Medigap plans, Plan G does not include prescription drug coverage (you’ll need a separate Part D plan). However, Humana does include discount programs for dental, vision, and hearing..

• Can I keep my doctor with Humana Plan G?

  Yes. There are no networks with Medigap plans. As long as your provider accepts Medicare, you can see them with Humana Plan G anywhere in the U.S.

• What happens if my current Medigap company stops selling new plans?

  You can keep your coverage, but rates often climb quickly when a plan closes to new members. That’s why many people prefer stable, long-standing carriers like Humana, which are less likely to exit the market.