Humana Gold Plus SNP-DE H0028-015 (HMO-POS D-SNP)

Humana Gold Plus SNP-DE H0028-015 (HMO-POS D-SNP) is a HMO-POS D-SNP plan offered by Humana Inc. available for enrollment in 2025 to people living in Select Counties in Missouri. This plan received an overall rating of 3.5 out of 5 stars in 2026.

It's important to know that Humana Gold Plus SNP-DE H0028-015 (HMO-POS D-SNP) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.

Key Plan Facts

Below are a few key facts and commonly-asked questions about Humana Gold Plus SNP-DE H0028-015 (HMO-POS D-SNP).

Plan Costs:

The cost of a Medicare Advantage Plan is made up of four main parts.

• First, the monthly premium — the amount you pay every month.
• Second, the deductible — the amount you pay out of pocket for covered services before the plan starts paying.
• Third, the copayments and coinsurance — the amounts you pay out of pocket for covered services, usually after meeting the deductible (if applicable). Copays are fixed dollar amounts; coinsurance is a percentage of the cost.
• Fourth, the Out-of-Pocket Maximum — the maximum amount you could have to pay out of pocket in a year. This may be different for in-network and out-of-network services.

You can see below for the coinsurance and specific copayments for in the Additional Benefits section below, or refer to our Plan Details page for more details.

Common Services:

Drug Coverage

The Humana Gold Plus SNP-DE H0028-015 (HMO-POS D-SNP) prescription drug plan features an annual drug deductible of $615. For Tier 1 preferred generic and Tier 2 generic medications, there is no copay for 1-month and 3-month supplies filled at standard pharmacies or through preferred mail order. If you use standard mail order, you will pay a $10 to $20 copay for a 1-month supply and a $30 to $60 copay for a 3-month supply. For Tier 3 preferred brand, Tier 4 non-preferred, and Tier 5 specialty drugs, you will pay a flat 25% coinsurance. This 25% coinsurance applies to 1-month and 3-month supplies of Tier 3 and Tier 4 drugs, and 1-month supplies of Tier 5 specialty drugs. These cost-sharing rates apply whether you use a standard pharmacy, preferred mail order, or standard mail order.

Additional Benefits

The Humana Gold Plus SNP-DE H0028-015 (HMO-POS D-SNP) offers comprehensive medical coverage, including inpatient hospital stays with a copay of $2,230 for acute care or $2,080 for psychiatric care, and no coinsurance. Outpatient hospital services, primary care, and specialist visits generally require no copay and a 20% coinsurance. Emergency care is available with a $115 copay, which is waived if you are admitted, while urgently needed services have a 20% coinsurance and no copay. This plan also provides robust supplemental benefits, featuring preventive dental care up to a $5,000 annual limit and prescription hearing aids up to $2,000 per ear with no copay or coinsurance. Vision care includes an annual routine exam with a 20% coinsurance and no copay, plus up to $350 annually for eyewear with no copay or coinsurance. Additionally, members benefit from up to 24 free one-way transportation trips per year and skilled nursing facility stays with no copay for the first 20 days.