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Humana Essentials Plus Giveback H0028-063 (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Humana Essentials Plus Giveback H0028-063 (HMO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Humana Essentials Plus Giveback H0028-063 (HMO) in 2026, please refer to our full plan details page.
Humana Essentials Plus Giveback H0028-063 (HMO) is a HMO plan offered by Humana Inc. available for enrollment in 2025 to people living in Denver. This plan received an overall rating of 3.5 out of 5 stars in 2026.
It's important to know that Humana Essentials Plus Giveback H0028-063 (HMO) 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 Essentials Plus Giveback H0028-063 (HMO).
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.
For Humana Essentials Plus Giveback H0028-063 (HMO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $0.00. This is the amount you must pay every month. Additionally, this plan comes with a Part B Premium reduction of $80.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
This plan has a $400.00 drug deductible. You will need to pay this amount towards covered prescriptions before your insurance coverage for prescription medications kicks in.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $6500.00 for out-of-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $0.00 for in-network covered services, the plan will pay 100% of in-network covered costs for the rest of the year.
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:
Doctor Visits:
Specialist Visits:
Emergency Room:
Urgent Care:
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Drug Coverage
The Humana Essentials Plus Giveback H0028-063 (HMO) plan features an Enhanced Alternative drug benefit with a $400 prescription drug deductible. After meeting this deductible, your 30-day drug costs during the initial coverage phase include a $5 copay for preferred generics and a $47 copay for standard generics at standard pharmacies. For higher tiers, you will pay a 37% coinsurance for preferred brands and a 28% coinsurance for non-preferred drugs. If you qualify for the Low-Income Subsidy, you will have no copay for your Part D coverage. Once your yearly out-of-pocket drug costs reach $2,100, you enter the catastrophic coverage phase and will pay nothing for covered Medicare Part D drugs.
Additional Benefits
The Humana Essentials Plus Giveback H0028-063 (HMO) plan features robust coverage with no copay and no coinsurance for primary care visits, preventive services, and home health care. For inpatient hospital stays, members pay a $410 copay per day for the first six days of acute care, with no copay for additional days. Outpatient and emergency services generally require no coinsurance, though copays apply, such as a $115 copay for emergency room visits and up to a $325 copay for outpatient hospital services. Supplemental benefits include routine dental care up to a $2,000 annual limit and routine vision care with no copay, no coinsurance, and a $300 annual eyewear allowance. Routine hearing exams are also available with no copay, while prescription hearing aids require copays between $299 and $899. Durable medical equipment is covered with no copay and a 15% coinsurance, while dialysis services require a 20% coinsurance.
Inpatient Hospital See details
Inpatient hospital benefits are partially covered by Humana Essentials Plus Giveback H0028-063 (HMO) with no coinsurance, requiring a $410 copay for days 1-6 of acute stays (no copay for days 7-999) and days 1-5 of psychiatric stays (no copay for days 6-90). Non-Medicare-covered stays, acute hospital upgrades, and additional psychiatric days are not covered.
Outpatient Services See details
Humana Essentials Plus Giveback H0028-063 (HMO) covers outpatient services with no coinsurance, featuring no copay for ambulatory surgical center and blood services. Other covered services require copays, including $25 to $35 for outpatient substance abuse, from no copay to $325 for outpatient hospital services, and $410 per stay for observation services.
Partial Hospitalization See details
Humana Essentials Plus Giveback H0028-063 (HMO) covers partial hospitalization services with a $35 copay and no coinsurance. Prior authorization is required to receive these covered benefits.
Ambulance and Transportation Services See details
Humana Essentials Plus Giveback H0028-063 (HMO) covers emergency ambulance services with no coinsurance, requiring a $335 copay for ground transport and a $630 copay for air transport. Routine transportation services to health-related locations are not covered under this plan.
Emergency Services See details
Emergency services are covered by Humana Essentials Plus Giveback H0028-063 (HMO) with a $115 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services require a $50 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with a $115 copay and no coinsurance.
Primary Care See details
Humana Essentials Plus Giveback H0028-063 (HMO) covers primary care physician services with no copay and no coinsurance, while other healthcare services, including specialists, therapies, and telehealth, require copays ranging from $0 to $50 with no coinsurance. Chiropractic services are partially covered with a $15 copay and no coinsurance, as routine chiropractic care is not covered.
Preventive Services See details
Preventive services are partially covered by Humana Essentials Plus Giveback H0028-063 (HMO) with no copay and no coinsurance for covered care such as annual physicals, memory fitness, and kidney disease education. However, sub-services including health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, disease management, telemonitoring, remote access technologies, home safety devices, and counseling are not covered.
Hearing Services See details
Hearing services are partially covered by the Humana Essentials Plus Giveback H0028-063 (HMO) plan, offering routine hearing exams and fitting evaluations with no copay or coinsurance, and Medicare-covered exams for a $45 copay. Prescription hearing aids are covered with a $299 to $899 copay and no coinsurance for up to two devices per year, but OTC hearing aids as well as inner ear, outer ear, and over the ear prescription models are not covered.
Vision Services See details
Vision Services are partially covered by Humana Essentials Plus Giveback H0028-063 (HMO), offering routine eye exams and eyewear (contacts or eyeglasses) with no copay and no coinsurance, up to a $300 annual allowance. Other eye exams have a copay of $0 to $45 with no coinsurance, while standalone eyeglass lenses, standalone eyeglass frames, and upgrades are not covered.
Dental Services See details
Humana Essentials Plus Giveback H0028-063 (HMO) partially covers dental services up to a $2,000 annual limit, excluding fluoride treatment, maxillofacial prosthetics, implant services, and orthodontics. Medicare dental services require a $45 copay and no coinsurance, while other covered preventive and comprehensive services feature no copay and either no coinsurance or a 30% to 40% coinsurance for restorative and prosthodontic care.
Home Infusion bundled Services See details
Home infusion bundled services are covered by Humana Essentials Plus Giveback H0028-063 (HMO) with prior authorization, requiring a $35 copay and between no coinsurance and 20% coinsurance for Medicare Part B insulin. Other covered Part B drugs, including chemotherapy and radiation, have no copay and between no coinsurance and 20% coinsurance.
Dialysis Services See details
Humana Essentials Plus Giveback H0028-063 (HMO) covers Dialysis Services with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
Humana Essentials Plus Giveback H0028-063 (HMO) covers durable medical equipment with a 15% coinsurance and no copay, and prosthetics or medical supplies with a 15% to 20% coinsurance and no copay. Diabetic supplies are covered with a 10% to 20% coinsurance and no copay, while diabetic therapeutic shoes or inserts require a $10 copay.
Diagnostic and Radiological Services See details
Humana Essentials Plus Giveback H0028-063 (HMO) covers diagnostic and radiological services, subject to prior authorization. Members pay no copay for lab and outpatient X-ray services, a $0 to $50 copay for diagnostic procedures, a $0 to $300 copay for diagnostic radiological services, and a 20% coinsurance for therapeutic radiological services.
Home Health Services See details
Humana Essentials Plus Giveback H0028-063 (HMO) covers Home Health Services with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are technically covered by Humana Essentials Plus Giveback H0028-063 (HMO), but some services are covered while standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and SET for PAD services are not covered. Because these specific services are not covered under the plan, there is no copay or coinsurance required.
Skilled Nursing Facility (SNF) See details
Humana Essentials Plus Giveback H0028-063 (HMO) partially covers Skilled Nursing Facility (SNF) services, which require prior authorization but do not require a prior three-day hospital stay. Covered stays require no coinsurance, with no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, while additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Other Services are partially covered by Humana Essentials Plus Giveback H0028-063 (HMO), which offers acupuncture for a $45 copay and no coinsurance, as well as chronic illness meal benefits with no copay and no coinsurance. Over-the-Counter (OTC) items and Dual Eligible SNPs with Highly Integrated Services are not covered under this benefit.
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