Humana Medicare Supplement Plans in California
Humana sells Medicare Supplement (Medigap) insurance in California through Humana Insurance Company. Here is which plans it offers, what each one covers, and how to compare it with other California carriers before you enroll.
Humana Medicare Supplement plans sold in California
These are the plans Humana Insurance Company is listed as selling in California. Every plan with the same letter has the same federal benefits no matter which company sells it, so the real differences are price, rating method and service.
| Plan | What it covers |
|---|---|
| Plan A | The basic benefits only: Part A coinsurance and hospital costs for up to 365 extra days, Part B coinsurance or copayment, the first 3 pints of blood, and hospice coinsurance. It does not pay any Medicare deductible. |
| Plan B | Everything in Plan A, plus the Part A deductible. |
| Plan C | Pays the Part A and Part B deductibles, skilled nursing coinsurance and foreign travel emergency costs, but not Part B excess charges. Only available if you became eligible for Medicare before January 1, 2020. |
| Plan F | The most complete lettered plan: it pays the Part A and Part B deductibles, Part B excess charges, skilled nursing coinsurance and foreign travel emergency costs. Only available if you became eligible for Medicare before January 1, 2020. |
| High-deductible Plan F | The high-deductible version of Plan F. You pay a yearly deductible first ($2,950 in 2026), then the plan pays 100% of covered costs. Same eligibility limit as Plan F. |
| Plan G | Nearly identical to Plan F except it does not pay the Part B deductible. It does pay Part B excess charges. It is the plan most new Medicare enrollees choose. |
| High-deductible Plan G | The high-deductible version of Plan G. You pay a yearly deductible first ($2,950 in 2026), then the plan pays 100% of covered costs. |
| Plan K | You share costs with the plan. It pays 50% of most covered costs until you reach a yearly out-of-pocket limit ($8,000 in 2026), then pays 100% for the rest of the year. Lower premium, more exposure. |
| Plan L | You share costs with the plan. It pays 75% of most covered costs until you reach a yearly out-of-pocket limit ($4,000 in 2026), then pays 100% for the rest of the year. |
| Plan N | Pays most of the same costs as Plan G, but you pay copays of up to $20 for some office visits and up to $50 for emergency room visits that do not result in admission. It does not pay the Part B deductible or excess charges. |
Source: the California Department of Insurance list of Medicare supplement insurance companies (August 2026). Company plan lists can change; confirm current availability and your exact rate before you apply.
Plan G or Plan N?
Plan G
Higher monthly premium, but after you pay the Part B deductible once a year, you generally pay nothing more for covered Medicare services. Good if you want predictable costs.
Plan N
Lower monthly premium in exchange for small copays and exposure to Part B excess charges. Good if you are healthy and comfortable with occasional small bills.
Before you enroll
Use your open enrollment window
Your Medigap open enrollment period lasts 6 months, starting the first month you are 65 or older and enrolled in Medicare Part B. During it, a company cannot deny you coverage or charge you more because of your health. After it, you may face medical underwriting.
Compare more than one carrier
The same benefits cost different amounts at different companies, and companies price by age, ZIP code and household differently. Always compare at least two or three.
The California birthday rule
California gives many Medigap policyholders a yearly window around their birthday to switch to another carrier’s plan of equal or lesser benefits without new medical underwriting. Read how it works.
Compare other California Medicare Supplement carriers
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or HICAP at 1-800-434-0222 to get information on all of your options. Humana is a trademark of its owner. This page is informational and is not connected with or endorsed by the U.S. government or the federal Medicare program.