Humana Gold Plus Giveback H1468-021 (HMO)

Humana Gold Plus Giveback H1468-021 (HMO) is a HMO plan offered by Humana Inc. available for enrollment in 2025 to people living in Chicago (Cook, DuPage, Lake, Will). This plan received an overall rating of 3.5 out of 5 stars in 2026.

It's important to know that Humana Gold Plus Giveback H1468-021 (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 Gold Plus Giveback H1468-021 (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.

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 Giveback H1468-021 (HMO) plan features an annual prescription drug deductible of $615. For Tier 1 preferred generic drugs, members pay no copay for a 1-month or 3-month supply at standard pharmacies or through preferred mail order. Tier 2 generic drugs are also highly accessible, featuring a $5 copay for a 1-month supply at standard pharmacies and no copay for a 3-month supply when using preferred mail order. Tier 3 preferred brand drugs carry a $47 copay for a 1-month supply, while a 3-month supply costs $131 through preferred mail order and $141 at standard pharmacies. Higher-tier medications require coinsurance instead of flat copays, with Tier 4 non-preferred drugs costing 44% coinsurance and Tier 5 specialty tier drugs requiring 25% coinsurance.

Additional Benefits

The Humana Gold Plus Giveback H1468-021 (HMO) plan offers robust coverage for essential medical needs, featuring no copays or coinsurance for primary care visits, preventive screenings, and home health services. For specialized care, members pay a $35 copay for specialists, physical therapy, and occupational therapy, while inpatient hospital stays require a $350 daily copay for the first six days followed by no copay for days seven through ninety. Emergency room visits carry a $150 copay, which is waived if admitted within twenty-four hours, and urgent care is available with a $65 copay. This plan also includes valuable supplemental benefits, such as dental care with no copay for preventive services up to a $3,500 annual limit and vision coverage offering a routine exam and eyewear with no copay up to a $400 yearly limit. Hearing benefits feature no copay for routine exams and over-the-counter hearing aids, though prescription hearing aids require copays between $699 and $999. For durable medical equipment and dialysis services, members can expect a 20% coinsurance, while diagnostic lab services and over-the-counter items are covered with no copay.