Humana Fully Integrated H1036-280 (HMO D-SNP)

Humana Fully Integrated H1036-280 (HMO D-SNP) is a HMO D-SNP plan offered by Humana Inc. available for enrollment in 2025 to people living in Select Florida counties. This plan received an overall rating of 4.5 out of 5 stars in 2026.

It's important to know that Humana Fully Integrated H1036-280 (HMO 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 Fully Integrated H1036-280 (HMO 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 prescription drug coverage for the Humana Fully Integrated H1036-280 (HMO D-SNP) plan includes a low $20 drug deductible. Beneficiaries enjoy no copay for Tier 1 preferred generic and Tier 2 generic drugs when filled at standard pharmacies or through preferred mail order. If you choose standard mail order, Tier 1 drugs have a $10 copay for 1-month and $30 for 3-month supplies, while Tier 2 drugs require a $20 copay for 1-month and $60 for 3-month supplies. For brand-name and specialty prescriptions, costs are based on coinsurance rather than flat copays. Tier 3 preferred brands and Tier 4 non-preferred drugs both require a 25% coinsurance for 1-month and 3-month supplies across standard pharmacies and mail-order options. Tier 5 specialty drugs carry a 32% coinsurance for a 1-month supply at standard pharmacies, preferred mail order, and standard mail order.

Additional Benefits

The Humana Fully Integrated H1036-280 (HMO D-SNP) offers comprehensive medical coverage with no copays and no coinsurance for most essential services. This includes inpatient and outpatient hospital stays, primary care and specialist visits, home health care, and skilled nursing facility stays for up to 100 days. Emergency services require a low $75 copay, which is waived if you are admitted to the hospital within 24 hours, while urgently needed care is available with no copay. In addition to medical care, this plan provides robust supplemental benefits including vision, hearing, and dental coverage with no copays or coinsurance. Covered dental services are available up to a generous $6,000 annual maximum, and vision benefits include an annual $400 allowance for eyewear with no deductible. Plan-approved transportation, durable medical equipment, and select over-the-counter items are also covered with no copays, helping members manage their health with minimal out-of-pocket costs.