Humana Gold Plus SNP-DE H1036-285 (HMO D-SNP)

Humana Gold Plus SNP-DE H1036-285 (HMO D-SNP) is a HMO D-SNP plan offered by Humana Inc. available for enrollment in 2025 to people living in Gulf Coast. This plan received an overall rating of 4.5 out of 5 stars in 2026.

It's important to know that Humana Gold Plus SNP-DE H1036-285 (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 Gold Plus SNP-DE H1036-285 (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 Humana Gold Plus SNP-DE H1036-285 (HMO D-SNP) prescription drug plan features an annual drug deductible of $530. For Tier 1 preferred generics and Tier 2 generics, members enjoy no copay when using standard pharmacies or preferred mail order services for both 1-month and 3-month supplies. If you choose standard mail order, Tier 1 drugs carry a $10 copay for a 1-month supply ($30 for 3 months), while Tier 2 generics require a $20 copay for 1 month ($60 for 3 months). For higher-tier medications, cost-sharing transitions to coinsurance across standard pharmacies, preferred mail order, and standard mail order options. Tier 3 preferred brand drugs and Tier 4 non-preferred drugs both require a 25% coinsurance for 1-month and 3-month supplies. Specialty medications in Tier 5 carry a 26% coinsurance for a 1-month supply across all available fulfillment channels.

Additional Benefits

The Humana Gold Plus SNP-DE H1036-285 (HMO D-SNP) offers comprehensive healthcare coverage with no copay and no coinsurance for the vast majority of its covered services. This includes essential medical care such as inpatient and outpatient hospital stays, primary and specialist doctor visits, preventive care, and skilled nursing facility services. Members can also access diagnostic testing, durable medical equipment, and home health services with no out-of-pocket costs, though prior authorizations or referrals are required for many of these benefits. Additionally, the plan features generous supplemental benefits, including vision coverage with a $300 annual allowance, hearing services, and dental care up to a $3,000 yearly maximum, all with no copay or coinsurance. While emergency room visits carry a $115 copay and air ambulance services require a 20% coinsurance, routine ground transportation and urgently needed care are fully covered with no copay. Note that certain services, such as cardiac rehabilitation, are not covered under this plan.