Humana Gold Plus SNP-DE H1036-328 (HMO D-SNP)

Humana Gold Plus SNP-DE H1036-328 (HMO D-SNP) is a HMO D-SNP plan offered by Humana Inc. available for enrollment in 2026 to people living in Gulf Coast, Jackson, Hattiesburg, Memphis. 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 H1036-328 (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 H1036-328 (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 H1036-328 (HMO 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. Standard mail-order options for these generic tiers require copays ranging from $10 to $30 for Tier 1, and $20 to $60 for Tier 2. Brand-name and specialty medications, including Tier 3 preferred brand, Tier 4 non-preferred, and Tier 5 specialty drugs, incur a 25% coinsurance. This 25% coinsurance rate applies to standard pharmacies, preferred mail-order, and standard mail-order services. Understanding these copays and coinsurance rates can help you determine if this Humana plan fits your healthcare budget.

Additional Benefits

The Humana Gold Plus SNP-DE H1036-328 (HMO D-SNP) plan offers comprehensive coverage with many services featuring no copay, including preventive care, home health services, and routine eye and hearing exams. For primary care, specialist visits, and diagnostic tests, members will generally pay no copay but are responsible for a 20% coinsurance. Additionally, dental benefits are highly accessible, providing up to a $5,000 annual limit with no copay or coinsurance for covered non-Medicare dental services. For more intensive care, inpatient acute hospital stays require a $2,230 copay per stay, while emergency department visits have a $115 copay that is waived if you are admitted within 24 hours. Skilled nursing facility care is covered with no copay for the first 20 days, after which a $218 daily copay applies for days 21 through 100. Most outpatient services, medical equipment, and specialized therapies will also require a 20% coinsurance and prior authorization.