Chubb vs. Humana Medicare Supplement in Pennsylvania

Compare Chubb and Humana Medicare Supplement plans, including Plan G, Plan N, current premiums, financial strength, policy fees, underwriting and SilverSneakers availability.

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Chubb vs. Humana Medicare Supplement is an important comparison for Pennsylvania applicants considering Plan G or Plan N. Both companies offer standardized Medicare Supplement coverage, but their premiums, discounts, underwriting and additional services can differ. Insurance Company of North America, commonly called INA, may issue Medicare Supplement policies marketed under the Chubb name. Humana may offer both Humana Achieve and a standard Humana Medicare Supplement product in Pennsylvania. The company providing the better value depends on the applicant, plan letter, ZIP code, available discounts and requested effective date. Medicare Supplement rates change, so neither company should automatically be treated as the permanent low-price leader.

Chubb vs. Humana Medicare Supplement: Key Differences

Comparison	Chubb/INA	Humana
Standardized coverage	Provides the standardized benefits associated with the selected plan letter.	Provides the same standardized benefits when comparing the same plan letter.
Current premium	Varies by applicant, location, plan and effective date.	Varies by applicant, location, plan, effective date and Humana product.
Fitness benefit	Should not be selected based on an assumed fitness membership.	Certain standard Humana policies may include SilverSneakers. Humana Achieve generally does not.
Financial strength	INA holds an A++ financial strength rating from AM Best with a stable outlook.	Humana is a well-established national Medicare insurance company.
Policy fee	INA currently charges a one-time $25 policy fee in Pennsylvania.	Confirm any applicable fee for the specific Humana product being quoted.
Underwriting	Chubb applies its own health questions and underwriting guidelines when underwriting is required.	Humana applies its own underwriting guidelines, which may differ by product.

Do Chubb and Humana Provide the Same Benefits?

Yes, when comparing the same Medicare Supplement plan letter. A Chubb Plan N and a Humana Plan N provide the same standardized Plan N medical benefits. A Chubb Plan G and a Humana Plan G provide the same standardized Plan G medical benefits. The company does not determine the standardized medical benefits. The plan letter does. Differences between Chubb and Humana may include:

• • Monthly premium

• • Household discount

• • Policy and application fees

• • Underwriting guidelines

• • Financial strength

• • Administrative service

• • Rate history

• • Additional noninsurance services

A higher premium does not purchase stronger standardized medical benefits when the plan letters are the same. However, a higher-priced policy may provide additional value if it includes a service the policyholder would otherwise purchase separately.

How Does Chubb Medicare Supplement Coverage Work?

Chubb is the brand many applicants recognize, but Insurance Company of North America may appear on the application, policy and identification card. INA is a Chubb company. Chubb Medicare Supplement policies work with Original Medicare. Policyholders can generally receive Medicare-covered care from any healthcare provider in the United States that accepts Medicare. Chubb’s current premium should be compared with other available companies. Chubb recently implemented a meaningful rate increase in Pennsylvania, so older comparisons may no longer accurately represent its current market position. INA currently charges a one-time $25 policy fee on Pennsylvania Medicare Supplement applications. That fee should be included when calculating the first-year cost.

How Does Humana Medicare Supplement Coverage Work?

Humana may offer more than one Medicare Supplement product in Pennsylvania. This makes it important to identify the exact Humana policy being quoted. Humana Achieve is a Medicare Supplement policy that works with Original Medicare. It is not a Medicare Advantage plan. It provides the standardized medical benefits associated with the selected plan letter. Humana may also offer a standard Medicare Supplement product. When the plan letters are the same, the standardized medical coverage is the same. Differences may involve:

• • Monthly premium

• • Available household discounts

• • SilverSneakers eligibility

• • Other noninsurance services

• • The Humana underwriting company issuing the policy

Humana Achieve may have a different premium from the standard Humana product. The exact premium and additional services should be confirmed before enrollment.

Chubb vs. Humana Plan N in Pennsylvania

Plan N is frequently considered by people who want strong Medicare Supplement coverage with a lower premium than Plan G. Both Chubb Plan N and Humana Plan N generally help pay for:

• • The Medicare Part A hospital deductible

• • Part A hospital coinsurance

• • Skilled nursing facility coinsurance

• • Most Medicare Part B coinsurance

• • The first three pints of blood

• • Limited foreign-travel emergency care

Plan N does not cover the annual Medicare Part B deductible. It may also require a copayment of up to $20 for certain office visits and up to $50 for an emergency-room visit that does not result in an inpatient admission. Plan N does not cover Medicare Part B excess charges. Pennsylvania prohibits these charges for Medicare-covered services received within the state. A Pennsylvania resident could still encounter an excess charge when receiving care in another state where the charges are permitted. When comparing Chubb and Humana Plan N, use the applicant’s actual information and confirm whether the Humana quote is for Humana Achieve or the standard Humana product. Learn more on our Medicare Supplement Plan N page.

Chubb vs. Humana Plan G in Pennsylvania

Plan G provides broader coverage than Plan N. After the annual Medicare Part B deductible is satisfied, Plan G generally covers the remaining Medicare-approved deductibles, coinsurance and copayments. It also covers legally permitted Medicare Part B excess charges. Pennsylvania prohibits Part B excess charges for Medicare-covered care received within the state. Therefore, Pennsylvania applicants often compare the additional Plan G premium with the limited office and emergency-room copayments that can apply under Plan N. Chubb and Humana Plan G provide the same standardized Plan G benefits. The decision usually depends on the current premium, discounts, financial strength, underwriting and other company-specific factors. The company offering a lower Plan N premium may not offer the lower Plan G premium. Plan G should always be compared with Plan G using the same applicant information and effective date. Learn more on our Medicare Supplement Plan G page.

How Do Chubb and Humana Rates Compare?

There is no single Chubb or Humana rate that applies to every Pennsylvania applicant. Premiums may vary according to:

• • Age

• • Gender

• • ZIP code

• • Tobacco status

• • Selected plan letter

• • Household discount eligibility

• • Requested effective date

• • The specific insurance company and product

Rates also change over time. A company that provides a favorable premium today may move to a different position after its next rate adjustment. For that reason, this page does not permanently identify either Chubb or Humana as the cheapest company. The only reliable comparison is one prepared with current rates and the applicant’s actual information.

Does Humana Include SilverSneakers?

Certain standard Humana Medicare Supplement policies may include SilverSneakers. Humana Achieve generally does not include it. SilverSneakers may provide basic membership at participating fitness centers, exercise classes, online workouts and other fitness resources. It is an additional service and does not change the standardized medical benefits of Plan G or Plan N. Before selecting a Humana policy because of SilverSneakers, confirm:

• • The exact Humana policy includes the program

• • The applicant is eligible

• • The preferred fitness center participates

• • The desired facilities and classes are included

• • The value of the membership justifies any premium difference

Additional noninsurance services may change or be discontinued. They are not standardized Medicare Supplement benefits.

Could a Higher Premium Still Provide Better Value?

Yes. The lowest insurance premium does not always produce the lowest total monthly expense. For example, someone who already pays for a participating fitness center may find value in a standard Humana policy that includes SilverSneakers. Someone who does not use a fitness center may prefer a lower-priced policy without the additional service. The comparison should consider:

• • The Medicare Supplement premium

• • The cost of a separate gym membership

• • Whether the preferred gym participates

• • Whether the policyholder will actually use the fitness benefit

This calculation should use current policy premiums and the applicant’s actual fitness-membership cost rather than a general estimate.

How Do Discounts and Fees Affect the Comparison?

Household discounts can affect the final monthly premium. Chubb and Humana establish their own eligibility rules, and the rules may differ between Humana products. When comparing the total cost:

• • Apply every available household discount

• • Include Chubb’s current one-time $25 Pennsylvania policy fee

• • Confirm whether the Humana product has an applicable fee

• • Use the same effective date

• • Confirm whether the quote assumes a specific payment method

The final premium after discounts and fees is more useful than an advertised starting rate.

How Does Underwriting Differ?

Medical underwriting may apply when someone changes Medicare Supplement companies outside an open-enrollment or guaranteed-issue period. Chubb and Humana use their own health questions and underwriting guidelines. One company may accept a medical condition, medication or recent treatment that another company will not accept. When underwriting is required:

• • Submit the replacement application before canceling existing coverage

• • Keep the current policy active during underwriting

• • Wait for written approval

• • Confirm the approved premium

• • Confirm the replacement policy’s effective date

• • Cancel the existing policy only after the new coverage is secure

A lower premium is not useful if the applicant cannot qualify for the policy.

Which Company May Be the Better Fit?

The decision should be based on the exact policies available—not brand recognition or a rate comparison prepared for someone else.

Frequently Asked Questions

Is Chubb the same company as INA?

Insurance Company of North America is a Chubb company. INA may be the legal insurance company that issues the Medicare Supplement policy.

Is Chubb cheaper than Humana in Pennsylvania?

It depends on the applicant, plan letter, ZIP code, discounts, product and effective date. Neither company should automatically be assumed to have the lower current premium.

Do Chubb and Humana provide the same Plan N benefits?

Yes. Plan N benefits are standardized. Chubb and Humana provide the same basic medical benefits when comparing Plan N with Plan N.

Does Humana Achieve include SilverSneakers?

Humana Achieve generally does not include SilverSneakers. Certain standard Humana Medicare Supplement policies may include the fitness program.

Does Chubb include SilverSneakers?

Applicants should not select Chubb based on an assumed SilverSneakers benefit. Additional services should always be confirmed for the exact policy being quoted.

Does Chubb charge a Pennsylvania policy fee?

INA currently charges a one-time $25 policy fee on Pennsylvania Medicare Supplement applications.

Which company is better for Plan N?

The answer depends on current premiums, discounts, fees, underwriting and the value of any additional services. Compare the exact Plan N policies available to the applicant.

Can an independent broker compare Chubb and Humana?

Yes. The DeAngelis Agency can compare current Chubb, Humana Achieve and standard Humana Medicare Supplement options available to the applicant.

Schedule Your Medicare Consultation Today

Medicare can be confusing, but getting answers shouldn’t be. Whether you’re enrolling for the first time, reviewing your current coverage, considering a plan change, or simply looking for a second opinion, I’m happy to help you understand your options and answer your questions. I’ve been helping Medicare beneficiaries since 1985, and I’ve built my practice on straightforward advice, long-term relationships, and treating people the way I’d want my own family treated. If you’d like to discuss your Medicare options, call or text The DeAngelis Agency at 215-967-8828. Click here to ask a question. There’s no pressure and no obligation—just honest guidance to help you make a confident decision.