What Is The Best Supplemental Health Insurance For Seniors

A Medicare Supplement plan is additional insurance that you can get to help pay the costs of health care that Medicare does not cover. Always evaluate Medicare Supplement plans to see which one is the best fit for you or your senior loved ones. Additionally, you should do this annually, as some benefits and Medicare regulations may update.

Bear in mind that your Medicare Supplement plan will need you to pay a monthly payment. You are required to pay these monthly premiums regardless of whether you use the covered services. This is why retired seniors on a fixed income must carefully consider the advantages and disadvantages of each plan.

To help you in selecting the most appropriate Medicare Supplement plan, here’s the best one for seniors:


Humana is a leading medical provider in the United States, offering a broad range of insurance options. Choose from the company's popular Medicare Supplement plans A, B, C, G, F, and K.

These plans include are the following:

  • In Plan A, you are covered for primary benefits such as coinsurance for hospital expenses, your Part B coinsurance or copayment, and your first three pints of blood.
  • All of the above, as well as the Part A deductible, are covered by Plan B.
  • All of the above is covered in Plan C, along with the coinsurance for hospice care and skilled nursing facilities and your Part B deductible.
  • All of the above is covered by Plan F, along with any Part B excess charges.
  • The above is covered by Plan G, less your Part B deductible.
  • Plan K covers only Part A coinsurance or copayments, 50% of Part B coinsurance or copayments, 50% of hospice care coinsurance or copayment, 50% of skilled nursing facility care coinsurance, and 50% of your Medicare Part A deductible. As of 2021, the maximum out-of-pocket for Plan K is $6,220.
  • Plans L and K cover the same things, but plan L covers 75% rather than 50%. In 2021, the maximum out-of-pocket for Plan L is $3,110.
  • Plan N covers only an office visit copay of $20 and an emergency room copay of $50. Other than that, it covers everything in Plan G, minus the Medicare Part B excess charges.

What else should seniors be aware of when it comes to selecting Medicare Supplement plans? Neither Medicare nor Medicare Supplement plans include coverage for long-term care. This implies you must seek it elsewhere or contact your insurance provider.

To assist you in making your choices, Medicare has a webpage dedicated to helping you in locating the right Medicare Supplement Insurance that fits your needs. Simply submit your information, and the website will recommend the best plans depending on your area and specific healthcare needs.

Looking for a life insurance plan for you or your senior loved one? Read Senior Strong’s blog for the best life insurance options available for seniors. 

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William Rivers is an editor with a master’s degree in Human Services Counseling at Maine State University. He has more than 20 years of experience working in the senior healthcare industry.
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