Humana Achieve vs. Humana Medigap: What’s the Difference?

Confused about Humana Achieve vs regular Humana Medigap? Learn what Humana Achieve is, how it compares to traditional Medigap plans, and whether it’s the right fit for you.

What Is Humana Achieve Medicare Supplement Insurance?

First off, Humana is one of the largest health insurance providers in the United States. Humana sells many types of health insurance products including: Under 65 individual and family coverage, small group, dental and Medicare Supplement (Medigap).

Humana Achieve is simply Humana’s brand name for a new specific series of their Medicare Supplement insurance plans (Medigap). Not all independent agents and insurance websites are authorized to offer the new Humana Achieve Medigap products but we offer it here in the states where it is available.

While it might sound like a brand-new product, it’s actually just a different version of Humana’s standard Medigap plans. Like all Medigap plans, Humana Achieve plans are designed to help fill the ‘gaps’ in Original Medicare (Parts A and B). This means they help cover out-of-pocket costs like deductibles, copayments, and coinsurance that Original Medicare doesn’t pay.

And just like all Medigap plans, Humana Achieve is regulated at the federal and state level, which means a Plan G from Humana Achieve covers the exact same benefits and access to the exact same doctors and facilities as a Plan G from any other company—including Humana’s traditional Medigap line. So why the extra name? That’s what we’ll explore below.

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Humana Achieve vs. Humana Medigap

This is one of the most common questions we hear: “Is Humana Achieve the same as Humana’s Regular Medigap?” The answer: both versions offer the same core benefits, but they’re marketed and priced a bit differently. Humana Achieve Medigap is just like the Standard Humana Medigap but typically cost less and has bigger discounts but doesn’t offer perks like Silver Sneakers. In some states you are able to purchase either the Humana Achieve Medigap or the Standard Humana Medigap.

💡 Looking for personalized pricing or to compare Humana plans in your ZIP code?
👉 Get an Instant Medigap Quote

Why Did Humana Introduce Achieve?

Humana launched the Achieve line of Medigap plans as a way to provide more flexibility and competitiveness in the Medicare Supplement market. The goal was to create an option with lower premiums targeting clients who may not need extra perks like SilverSneakers or wellness add-ons.

By offering Achieve alongside its standard Medigap plans, Humana can appeal to two types of buyers: those who value added benefits and those who prioritize affordability. It’s essentially a strategic branding move—same coverage, different pricing structure, potentially different discounts, and fewer extras. For many Medicare beneficiaries, Humana Achieve is a smart way to access the same protections at a lower monthly cost.

Humana Achieve Discounts

In many states the Humana Achieve has a more flexible household discount structure. They will often give you a discount if you have another adult living in the house even if they are not Medicare eligible. When you get an Instant Medigap Quote here, click on the “Roommate Discount” on the results page to see if it is available in your area.

Not Sure If You’ll Be Approved?

If you’re thinking about switching to Humana Achieve—or applying outside of your guaranteed issue window—don’t guess. Try our free tool to see your likelihood of approval:

👉 Use Our Instant Medigap Underwriting Checker
It’s quick, secure, and gives you peace of mind before submitting an application.

Is Humana Achieve Available in My State?

Humana Achieve isn’t available nationwide just yet. As of now, it’s offered in select states, and the availability can vary by ZIP code even within those states. Humana is gradually expanding Achieve’s reach, but depending on where you live, you might only see the traditional Humana Medigap plans or both options side by side.

The easiest way to find out if Humana Achieve is available in your area? Get a free instant quote based on your ZIP code. It’ll show you not only if Achieve is offered, but how its pricing compares to other companies and plans in your state. 👉 Get an Instant Medigap Quote here

Best Humana Medigap Plan

So, if your budget allows and you want the best balance of coverage and simplicity, we recommend Plan G. It is the most popular Medigap plan in the country, and there’s a reason for that. This policy offers some of the most complete coverage available. It pays for almost everything that Original Medicare doesn’t cover—except the Part B deductible (which is only $257).

Remember: It doesn’t matter whether the plan is offered by Humana, Humana Achieve, Aetna, or any other provider—the benefits of Plan G are standardized by the federal government. That means a Plan G from Humana is identical in coverage to a Plan G from another insurer. The only real difference? Price. So don’t overthink branding—focus on pricing, underwriting, and reputation. If you’re healthy and want to shop around, your birthday month or initial enrollment period is the best time. Ready to compare Plan G prices near you? Get an Instant Medigap Plan G Quote.

Can I Switch Between Humana and Humana Achieve?

Yes, in many cases you can switch between Humana’s traditional Medigap and Humana Achieve. Nevertheless, there’s a big caveat: you’ll usually have to go through medical underwriting unless you’re still within your 6-month Medigap Open Enrollment window or qualify for a Special Enrollment Period (like the Birthday Rule in certain states).

Switching from a standard Humana Medigap plan to Humana Achieve (or vice versa) isn’t automatic—you’ll need to submit a new application, answer health questions, and be approved by underwriting. That’s why it’s crucial to know your chances before applying. If you’re interested in switching between Humana lines and want to know if you’ll be approved, don’t roll the dice. Use our Instant Medigap Underwriting Checker.

Next Steps: Ready to Compare or Apply?

Now that you know the difference between Humana Achieve and Humana’s traditional Medigap, you might be wondering what to do next. Whether you’re shopping for the first time, thinking about switching, or just want to know your options—we’re here to help you every step of the way.

✔️ Want to compare rates instantly? Click here for an instant quote.
✔️ Need help switching plans? Use our free underwriting checker here or read the article Medicare Insurance Switching: Ultimate Guide.
✔️ Prefer to talk to a real human? Schedule a free 10-min call with a licensed agent at 800-930-7956.
✔️ Still have questions? Drop a comment below and we’ll get back to you quickly.