Humana Medicare Supplement Plan N is popular for seniors and other people who need to rely on a Medicare supplement. Humana has some great offerings in their Medicare supplements, but there are also some things that might make Humana Medicare Supplement Plan N a bad choice Best Medigap in California. If you’re considering Humana Medicare Supplement Plan N, there are a few key points that you should know. Humana Medicare Supplement Plan N has a high deductible. If you’re senior and need insurance coverage but don’t need to pay a huge chunk of money out of pocket, this might be the way for you to go.
If you’re still young, though, and haven’t yet built a large amount of assets, then you’ll want to consider choosing Humana Medicare Supplement Plan N because it has a lower co-pay for your hospital care and coinsurance. The Medicare part b deductible isn’t paid with Humana Medicare Supplement Plan N, but it’s paid with Medigap Plan F for those who need it. This is basically the only real difference between these plans. And since Humana tends to have better coinsurance percentages than other companies, this can translate into higher monthly hospital co-pays and other savings.
Beyond the differences in deductible and coinsurance, Humana Medicare Supplement Plan N has different open enrollment periods. You may pay more during certain months than others. Also, if you change certain policies during the open enrollment period, such as from individual Medicare Part A to a family plan, you may pay more during that period. You should review Humana Medicare Supplement Plan N carefully when you are comparing premiums from other companies.