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Understand Coverage Gaps

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Original Medicare may leave you with some unpredictable out-of-pocket medical costs due to gaps in the coverage it offers.

Gaps in Original Medicare

Here we list some of the out-of-pocket costs you may have to pay when you only have Original Medicare Parts A and B.
  • 1. Prescription Drugs

  • 2. Dental

  • 3. Vision

  • 4. Hearing Aids

3 ways to make your coverage more robust than Original Medicare

There are a variety of private insurance plans that may help fill the gaps in your healthcare coverage.

All-in-one Humana Medicare Advantage Prescription Drug Plans -

Medicare Advantage Prescription Drug plans combine all the benefits of Original Medicare Parts A and B, and may add benefit options like Part D Prescription Drug coverage, routine dental and vision coverage, and other extra benefits, all for a single monthly plan premium.

Stand-alone Prescription Drug Plans ¹ -

These plans only cover the costs of prescription drugs, so you won’t be responsible for 100% of the cost of your medication out of pocket.  

Medicare Supplement Plans -

Also known as Medigap insurance, these plans may help reduce your out-of-pocket medical costs. 

All-in-one Humana Medicare Advantage Prescription Drug Plans -

Medicare Advantage Prescription Drug plans combine all the benefits of Original Medicare Parts A and B, and may add benefit options like Part D Prescription Drug coverage, routine dental and vision coverage, and other extra benefits, all for a single monthly plan premium.

Stand-alone Prescription Drug Plans ¹ -

These plans only cover the costs of prescription drugs, so you won’t be responsible for 100% of the cost of your medication out of pocket.  

Medicare Supplement Plans -

Also known as Medigap insurance, these plans may help reduce your out-of-pocket medical costs. 

All-in-one Humana Medicare Advantage Prescription Drug Plans -

Medicare Advantage Prescription Drug plans combine all the benefits of Original Medicare Parts A and B, and may add benefit options like Part D Prescription Drug coverage, routine dental and vision coverage, and other extra benefits, all for a single monthly plan premium.

Stand-alone Prescription Drug Plans ¹ -

These plans only cover the costs of prescription drugs, so you won’t be responsible for 100% of the cost of your medication out of pocket.  

Medicare Supplement Plans -

Also known as Medigap insurance, these plans may help reduce your out-of-pocket medical costs. 

Compare all your coverage options

See a breakdown of what is covered and what isn’t covered by each type of plan.

Swipe to compare more plans

Original Medicare Parts A and B
Humana Stand-alone Prescription Drug Plans Part D
All-in-one Humana Medicare Advantage Prescription Drug Plans
Humana Medicare Supplement Plans
Part A

Part A

Hospital expenses, skilled nursing, home health care, and hospice care
Part B

Part B

Doctor visits, outpatient care, and preventative services
Prescription Drugs

Prescription Drugs

Coverage for your medications
$0 Plan Premiums

$0 Plan Premiums

Monthly premiums that cost as low as $0/month
Predictable Costs

Predictable Costs

Limits on the maximum amount you’ll pay out-of-pocket
More Coverage

More Coverage

Choose from plans that may include routine dental, vision, and hearing aid coverage built right in.
Extra Benefits

Extra Benefits

Extra benefits and services at no extra cost.
Travel Flexibility

Travel Flexibility

Coverage anywhere in the U.S., and emergency care abroad
No Paperwork

No Paperwork

Avoid filling out tedious claims
Plan ID card

Plan ID card

A single card to show at time of care
No Referrals Required

No Referrals Required

Choose from plans that won’t require referrals
No Network Restrictions

No Network Restrictions

Choose any doctor that accepts Medicare

Which to choose: Medicare Advantage vs. Medicare Supplement

We break down the differences to help make your decision easier

Medicare Advantage (Part C)

Medicare Supplement (Medigap)

Medicare Advantage (Part C)

Medicare Advantage plans combine all the benefits of Original Medicare Parts A and B, and may include your Part D Prescription Drug coverage built right in. Plus, some plans will include routine dental and vision coverage, and other extra benefits, all for a monthly plan premium.

  • Do I Keep My Part A and B Coverage? - Your Medicare Advantage plan will replace your Original Medicare Part A & Part B coverage, but you won’t lose a single benefit. In fact, you may get more. That’s because rather than pay your medical bills directly, the federal government contracts with private insurance companies such as Humana to administer your plan.
  • How does the plan work to lower my out of pocket costs? - Insurance companies compete for your business with affordable premiums and added benefits. The cost of care will be determined by your plan and you will no longer be responsible for the out of pocket costs outlined by Original Medicare – with the exception of your monthly Part B premium. All Medicare Advantage plans include a maximum out of pocket limit which caps your annual out-of-pocket costs so you'll never be charged more than this total amount for covered care each year.
  • Will I get access to additional coverage and extra benefits? - Prescription drug, routine dental, vision, and hearing aid coverage are included with some Medicare Advantage plans. Just be sure to check the plan you are interested in includes this coverage. You will also have the option to add on additional coverage for more complex dental procedures if your plan doesn’t cover them directly.
  • Will I get to keep my doctor and will I need a referral to see a specialist? - To help manage costs, Medicare Advantage plans usually enter into contracts with a network of doctors and hospitals. That means you’ll generally pay less when you receive care from doctors and specialists who accept your plan. Humana has large networks of approved doctors and hospitals so be sure to check yours are covered on the plan before you enroll. If you choose an HMO plan you may need a referral to use an in-network specialist, but referrals should not be required on PPO plans.
  • What monthly plan premium will I pay? - Medicare Advantage plans generally have a lower premium than Medicare Supplement plans. In fact, many Medicare Advantage plans have no monthly premium at all.
  • When can I enroll? - You can enroll or change plans two times a year. First during the annual enrollment period from Oct 1 – Dec 7 and then again during Open Enrollment from Jan 1 – March 31. From April 1 – Oct 1 you will need a special enrollment period to switch plans. If you enrolled in a Medicare Advantage Plan during your Initial Enrollment Period, you can change to another Medicare Advantage Plan (with or without drug coverage) or go back to Original Medicare (with or without a drug plan) within the first 3 months you have Medicare.
  • Can I change my plan later? - If you want to switch to a different Medicare Advantage or Prescription Drug plan you’ll be able to make that change during annual enrollment each year. While you won’t be able to enroll for the first time, if you are already enrolled in a Medicare Advantage plan on January 1st you’ll be able to switch to a different plan during the Open Enrollment Period, which ends on March 31st each year. Outside of that time, you’ll need to have a valid reason to make a change. During these enrollment periods, you have the option to switch back to Original Medicare parts A and B, and if needed, add a Medicare Part D plan.
  • Why would I choose a Medicare Advantage Prescription Drug Plan? - Medicare Advantage Prescription Drug plans may be ideal for people who want an all-in-one plan that will cover all of their health and medication needs in one. There are many Medicare Advantage Prescription Drug plans to choose from so enrollees can ensure they choose the one that covers all the added benefits and services they need to help maintain their health and stay within their budget.
  • Why wouldn’t I choose Medicare Advantage? - Medicare Advantage plans rely on networks of approved doctors and hospitals to keep costs affordable and provide additional benefits. If your doctor is not in your plan’s network of providers, you may have higher costs. Your out-of-pocket costs may be lower if you receive care from in-network providers.

Medicare Supplement (Medigap)

Medicare Supplement plans are standardized. They are labeled by letters (A-N). All Health Insurance companies must offer the same basic coverage for each plan. Companies compete for your business based on the monthly premium and other additional benefits beyond this base requirement. Medicare Supplement plans cannot be combined with a Medicare Advantage plan. These plans are separate and you cannot be enrolled in both at the same time.

  • Do I Keep My Part A and B Coverage? - Yes. You keep your Part A and B coverage. Your Medicare supplement plan gets added on to help pay out of pocket costs.
  • How does the plan work to lower my out of pocket costs? - MedSupp helps pay out-of-pocket costs not paid by Original Medicare (Parts A and B), like your part A deductibles and co-insurance. Typically, the higher the plan premium the lower your out- of-pocket "usage" charges will be. With some plans you can offset your monthly premium with a deductible that gets met before the plan covers the rest of your original Medicare expenses.
  • Will I get access to additional coverage and extra benefits? - Medicare supplement plans don’t typically cover prescription drugs or dental, vision, and hearing care. You won’t usually get extra benefits or services with these plans. However, Humana offers stand-alone plans you can purchase separately to get this added coverage.
  • Will I get to keep my doctor and will I need a referral to see a specialist? - There are no network restrictions with a Medicare Supplement plan. You may visit any Doctor or hospital of your choosing as long as they accept Medicare patients. You can see specialists without referrals.
  • What monthly plan premium will I pay? - The cost of your premium depends on the plan you choose. Your age, location, sex, and other items may be a factor as well. Premiums typically range between $50 and $250 a month. You must continue to pay your Original Medicare Part B premium as well.
  • When can I enroll? - Medicare Supplement Plans are sold year round. You can apply to buy a Medicare supplement insurance plan any time after you turn 65 and join Medicare Part B - there is no need for a special enrollment period. In many cases, however, pricing will be more favorable if you purchase a plan during your Medigap Open Enrollment Period. This period lasts 6 months after you enroll in Part B. Stand-alone prescription drug plans.
  • Can I change my plan later? - You can switch or cancel your Medicare Supplement plan at any time for any reason. In some instances you may be required to go through underwriting for your new plan if you are outside a guaranteed issue right.
  • Why would I choose this plan? - These plans make your costs very predictable. They are great for people who prefer to steadily budget higher premium costs instead of paying each time they use their plan. These plans are also nice for people who want the flexibility to choose any doctor, hospital, or facility they want to use and are able to afford a higher premium in exchange for this flexibility. Why wouldn’t I choose this plan? - On average, Medicare Supplement plans have higher monthly plan premiums than Medicare Advantage plans. These plans won’t cover your prescription drug, dental, vision, hearing, or other supplemental care so you’ll need to enroll in that coverage separately. They also won’t provide access to additional benefits and services that have become standard on most Medicare Advantage plans.
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Click the step you’d like to visit below

Click the step you’d like to visit below

  •

    Prepare for Enrollment

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  •

    Understand Coverage Gaps

  •

    Explore Medicare Advantage

  •

    Evaluate Your Options

  •

    Make an Educated Decision

1 https://www.medicare.gov/what-medicare-covers/part-a/what-part-a-covers.html 

2 https://www.medicare.gov/what-medicare-covers/part-b/what-medicare-part-b-covers.html

3 https://www.medicare.gov/what-medicare-covers/part-a/what-part-a-covers.html

4 https://www.medicare.gov/sign-up-change-plans/decide-how-to-get-medicare/your-medicare-coverage-choices.html

5 https://www.medicare.gov/coverage/inpatient-hospital-care

6 https://www.medicare.gov/your-medicare-costs/costs-at-a-glance/costs-at-glance.html

7 https://www.medicare.gov/what-medicare-covers/part-a/what-part-a-covers.html

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Plans not available in all areas. Costs, coverage, and benefits vary by location.

This material is provided for informational use only and should not be construed as medical advice or used in place of consulting a licensed medical professional.

Humana is a Medicare Advantage HMO, PPO and PFFS organization and a stand-alone prescription drug plan with a Medicare contract. Humana is also a Coordinated Care plan with a Medicare contract and a contract with the state Medicaid program. Enrollment in any Humana plan depends on contract renewal.

Humana Inc. and its subsidiaries (collectively, “Humana”) comply with applicable Federal civil rights laws and do not discriminate on the basis of race, color, national origin, age, disability, sex, sexual orientation, gender identity or expression, transgender status, marital status, military or veteran status, or religion. Humana does not exclude people or treat them differently because of race, color, national origin, age, disability, sex, sexual orientation, gender identity or expression, transgender status, marital status, military or veteran status, or religion. We also provide free language interpreter services. See our full accessibility rights information and language options.

Medical Plans

Humana group medical plans are offered by Humana Medical Plan, Inc., Humana Employers Health Plan of Georgia, Inc., Humana Health Plan, Inc., Humana Health Benefit Plan of Louisiana, Inc., Humana Health Plan of Ohio, Inc., Humana Health Plans of Puerto Rico, Inc. License # 00235-0008, Humana Wisconsin Health Organization Insurance Corporation, or Humana Health Plan of Texas, Inc., or insured by Humana Health Insurance Company of Florida, Inc., Humana Health Plan, Inc., Humana Health Benefit Plan of Louisiana, Inc., Humana Insurance Company, Humana Insurance Company of Kentucky, Humana Insurance of Puerto Rico, Inc. License # 00187-0009, or administered by Humana Insurance Company or Humana Health Plan, Inc. For Arizona residents, plans are offered by Humana Health Plan, Inc. or insured by Humana Insurance Company. Administered by Humana Insurance Company.

Go365® is not an insurance product. Not available with all Humana health plans.

Individual Dental and Vision Plans

Humana Individual dental and vision plans are insured or offered by Humana Insurance Company, HumanaDental Insurance Company, Humana Insurance Company of New York, The Dental Concern, Inc., CompBenefits Insurance Company, CompBenefits Company, CompBenefits Dental, Inc., Humana Employers Health Plan of Georgia, Inc. or Humana Health Benefit Plan of Louisiana, Inc. Discount plans offered by HumanaDental Insurance Company or Humana Insurance Company. For Arizona residents: Insured by Humana Insurance Company. For New Mexico residents: Insured by Humana Insurance Company. For Texas residents: Insured or offered by Humana Insurance Company, HumanaDental Insurance Company or DentiCare, Inc (d/b/a Compbenefits).

In states, and for products where applicable, the premium may include a $1 administrative fee. If you have purchased an association plan, an association fee may also apply. Some plans may also charge a one-time, non-refundable enrollment fee. (This fee is non-refundable as allowed by state).

A minimum one-year, initial contract period may be required for some dental and vision plans, excluding Dental Savings Plus.

Group Dental and Vision Plans (Insurance through your employer)

Humana group dental plans are offered by Humana Insurance Company, HumanaDental Insurance Company, Humana Insurance Company of New York, The Dental Concern, Inc., Humana Medical Plan of Utah, Humana Health Benefit Plan of Louisiana, Inc., CompBenefits Company, CompBenefits Insurance Company, CompBenefits Dental, Inc., Humana Employers Health Plan of Georgia, Inc., or DentiCare, Inc. (DBA CompBenefits). Humana group vision plans are offered by Humana Insurance Company, HumanaDental Insurance Company, Humana Health Benefit Plan of Louisiana, Humana Insurance Company of Kentucky, Humana Insurance Company of New York, CompBenefits Insurance Company, CompBenefits Company, or The Dental Concern, Inc.

New Mexico: Humana group dental and vision plans are insured by Humana Insurance Company.

Life Insurance Plans

Humana group life plans are offered by Humana Insurance Company or Humana Insurance Company of Kentucky.

Limitations and exclusions

This communication provides a general description of certain identified insurance or non-insurance benefits provided under one or more of our health benefit plans. Our health benefit plans have exclusions and limitations and terms under which the coverage may be continued in force or discontinued. For costs and complete details of the coverage, refer to the plan document or call or write Humana, or your Humana insurance agent or broker. In the event of any disagreement between this communication and the plan document, the plan document will control.

Individual applications are subject to eligibility requirements.

Before applying for group coverage, please refer to the pre-enrollment disclosures for a description of plan provisions which may exclude, limit, reduce, modify or terminate your coverage. View plan provisions or check with your sales representative.

For group plans, please refer to your Benefit Plan Document (Certificate of Coverage/Insurance or Summary Plan Description/Administrative Services Only) for more information on the company providing your benefits.

Statements in languages other than English contained in the advertisement do not necessarily reflect the exact contents of the policy written in English, because of possible linguistic differences. In the event of a dispute, the policy as written in English is considered the controlling authority.

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Last updated: 1/20/2023