Plan G: Broad standardized coverage after the annual Part B deductible, including Part B excess charges.
2026 Medicare Supplement plan details
Compare Humana Medicare Supplement plans in California
Review 2026 Humana Medigap options including Plan G, Plan N, and High-Deductible Plan G, along with California enrollment rights and official coverage details. Verify your eligibility, effective date, California rate region, and exact premium before applying.
Important:
Humana Medicare Supplement benefits are standardized by plan letter, but premiums, eligibility, availability, underwriting, and enrollment rights can vary. Plans C, F, and High-Deductible F are available only to people first eligible for Medicare before January 1, 2020. Medicare Supplement coverage works with Original Medicare and does not include outpatient prescription drug coverage.
Side-by-side plan view
Compare standardized coverage and additional benefits.
Humana Medicare Supplement plans work with Original Medicare. Confirm that your providers accept Medicare and request a personalized premium quote based on your plan, age, California rating area, eligibility, and effective date.
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Plan N: Potentially lower premiums with some member cost sharing; Part B excess charges are not covered.
High-Deductible Plan G: A lower-premium approach for people comfortable paying Medicare-covered costs until the 2026 $2,950 plan deductible is met.
Plan G
Variespremium by age and California rate region
EligibleAvailable to eligible Medicare beneficiaries
- Part B coverage
- Part B coinsurance and excess charges included after the Part B deductible
- Additional benefits
- Standardized Plan G medical benefits
Plan N
Variespremium by age and California rate region
EligibleAvailable to eligible Medicare beneficiaries
- Part B coverage
- Part B coinsurance covered, with applicable office and non-admitted ER copays
- Additional benefits
- Standardized Plan N medical benefits
High-Deductible Plan G
Variespremium by age and California rate region
EligibleAvailable to eligible Medicare beneficiaries
- Part B coverage
- Medicare-covered costs count toward the plan deductible
- Additional benefits
- Standardized High-Deductible Plan G medical benefits
Selected standardized Medicare Supplement benefits
Swipe horizontally to compare all plan benefits.
| Compare | Plan G | Plan N | High-Deductible Plan G |
|---|---|---|---|
| Medicare Part A deductible | Covered | Covered | Counts toward the $2,950 plan deductible |
| Skilled nursing facility coinsurance | Covered | Covered | Covered after the plan deductible |
| Medicare Part B deductible | Not covered | Not covered | Counts toward the plan deductible |
| Office and non-admitted ER copays | None under the standardized plan design | Up to $20 for office visits and $50 for non-admitted ER visits | Medicare cost sharing applies until the plan deductible is met |
| Medicare Part B excess charges | Covered | Not covered | Covered after the plan deductible |
| Foreign travel emergency | 80% up to plan limits | 80% up to plan limits | 80% after the plan deductible, up to plan limits |
| Selected additional benefits | Standardized Plan G medical benefits | Standardized Plan N medical benefits | Standardized High-Deductible Plan G medical benefits |
This comparison shows selected highlights only. Standardized benefits, eligibility, exclusions, additional benefits, and premiums are described in the complete carrier enrollment kit and policy documents.
Humana Medicare Supplement questions
Common questions about Humana Medicare Supplement plans
Use the official outline to understand standardized benefits, then confirm your eligibility, premium, enrollment rights, and effective date before applying.
Which Humana Medicare Supplement plans are described in the California outline?
The supplied California outline describes Plans A, B, C, F, High-Deductible F, G, High-Deductible G, K, L, and N. Availability and eligibility can vary, so confirm the plans offered for your effective date before applying.
Who can choose Humana Plan C, Plan F, or High-Deductible Plan F?
These plan letters are available only to people who first became eligible for Medicare before January 1, 2020. Current availability and enrollment requirements must also be confirmed.
How does Humana High-Deductible Plan G work in 2026?
You pay Medicare-covered costs until the plan deductible is met. The published 2026 high-deductible amount is $2,950; after that, the standardized Plan G benefits apply for the remainder of the calendar year.
What is the main difference between Humana Plan G and Plan N?
Plan G covers Part B excess charges and generally does not use the Plan N office and non-admitted emergency-room copays. Plan N may have lower premiums, but it can require those copays and does not cover Part B excess charges.
How does California’s Medicare Supplement birthday rule work?
California generally provides a 60-day annual window beginning on your birthday to move to a Medicare Supplement plan with equal or lesser benefits without medical underwriting. Confirm the current rule, timing, and qualifying plan comparison before applying.
When is the Medigap open enrollment period?
Federal Medigap open enrollment generally lasts six months beginning when you are age 65 or older and enrolled in Medicare Part B. Other guaranteed-issue rights may apply in specific circumstances.
Do Humana Medicare Supplement plans include prescription drug coverage?
No. Medicare Supplement policies sold today do not include outpatient prescription drug coverage. You can separately compare Medicare Part D plans based on your prescriptions and preferred pharmacies.
Original Medicare provider access
Confirm Medicare participation and your exact rate.
Medicare Supplement coverage works with Original Medicare. Confirm that your providers accept Medicare and request the exact premium for your plan, age, California rate region, tobacco status, and eligibility.
Original carrier material
Download the 2026 Humana enrollment kit and rates.
These are unchanged consumer-facing 2026 carrier documents used to prepare the selected summary above. Broker FAQs and broker-only materials are not posted.
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Skyline Benefit provides independent help comparing Medicare Supplement plan letters, carrier premiums, enrollment timing, household discounts, and California switching rights.
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- Plan G, Plan N, and High-Deductible Plan G options
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- Part D and enrollment questions
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Benefits and rates shown are selected highlights from the linked 2026 carrier enrollment kit. Availability, eligibility, underwriting, guaranteed-acceptance rights, premiums, savings, exclusions, and policy rules may apply. The carrier policy and approved rate information control.
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Medicare disclosure
Skyline Benefit is an independent insurance agency and is not connected with or endorsed by the U.S. government or the federal Medicare program.
We do not offer every plan available in your area. Currently we represent 11 organizations which offer 58 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.