Humana Gold Plus SNP-DE H1036-314 (HMO D-SNP)

Humana Gold Plus SNP-DE H1036-314 (HMO D-SNP) is a HMO D-SNP plan offered by Humana Inc. available for enrollment in 2025 to people living in Central and North Florida. 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 H1036-314 (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 H1036-314 (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 H1036-314 (HMO D-SNP) prescription drug plan features a $0 drug deductible, allowing your coverage to start right away. You will pay no copay for Tier 1 preferred generic and Tier 2 generic drugs at standard pharmacies or through preferred mail order services. However, choosing standard mail order for these generic tiers will result in copays ranging from $10 to $60 depending on the drug tier and supply duration. For brand-name and specialty medications, your costs are determined by coinsurance rates. Tier 3 preferred brand 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 33% coinsurance for a 1-month supply, regardless of whether you use a standard pharmacy, preferred mail order, or standard mail order.

Additional Benefits

The Humana Gold Plus SNP-DE H1036-314 (HMO D-SNP) offers comprehensive healthcare coverage with no copays and no coinsurance for the vast majority of its medical services. This includes zero-cost coverage for inpatient and outpatient hospital stays, primary care and specialist visits, emergency services, and diagnostic tests. While most services require no out-of-pocket costs, certain benefits like air ambulance rides do require a copay and a twenty percent coinsurance, and some services may require prior authorization. In addition to core medical care, this plan provides valuable supplemental benefits with no copays or coinsurance, including routine dental care up to a one thousand dollar annual limit and vision services up to a three hundred dollar limit. Members also benefit from no-copay hearing exams, over-the-counter hearing aids, and prescription hearing aid coverage up to one thousand dollars per ear annually. Other helpful perks covered at no cost include unlimited one-way transportation to plan-approved locations, home health services, and over-the-counter items.