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Humana Gold Plus H1951-024 (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Humana Gold Plus H1951-024 (HMO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Humana Gold Plus H1951-024 (HMO) in 2026, please refer to our full plan details page.
Humana Gold Plus H1951-024 (HMO) is a HMO plan offered by Humana Inc. available for enrollment in 2025 to people living in Tangipahoa Parish. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that Humana Gold Plus H1951-024 (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 H1951-024 (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.
For Humana Gold Plus H1951-024 (HMO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $23.00. This is the amount you must pay every month. Additionally, this plan comes with a Part B Premium reduction of $1.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
This plan has a $325.00 drug deductible. You will need to pay this amount towards covered prescriptions before your insurance coverage for prescription medications kicks in.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $4900.00 for out-of-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $0.00 for in-network covered services, the plan will pay 100% of in-network covered costs for the rest of the year.
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:
Doctor Visits:
Specialist Visits:
Emergency Room:
Urgent Care:
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Drug Coverage
The Humana Gold Plus H1951-024 (HMO) prescription drug plan features an annual drug deductible of $325. For Tier 1 preferred generic drugs, members pay no copay for a 1-month or 3-month supply through standard pharmacies and preferred mail order. Tier 2 generic drugs carry a $10 copay for a 1-month supply at standard pharmacies, but you can get a 3-month supply with no copay through preferred mail order. Tier 3 preferred brand drugs require a $47 copay for a 1-month supply across standard pharmacies and mail-order options. For higher-tier medications, Tier 4 non-preferred drugs require a 47% coinsurance, while Tier 5 specialty drugs incur a 29% coinsurance for a 1-month supply. These details help you budget your out-of-pocket healthcare expenses under this Humana Medicare Advantage plan.
Additional Benefits
The Humana Gold Plus H1951-024 (HMO) plan offers comprehensive coverage with no copay or coinsurance for primary care visits, preventive screenings, and home health services. For specialized medical care, members will pay a $30 copay for specialist visits, while inpatient hospital stays require a $175 daily copay for the first 14 days. Emergency room visits carry a $130 copay, which is waived if you are admitted to the hospital within 24 hours. This plan also features strong supplemental benefits, including routine dental and vision services with no copays up to generous annual limits. Routine hearing exams are also covered with no copay, and prescription hearing aids are available with copays ranging from $699 to $999. For recovery needs, skilled nursing facility stays require no copay for the first 20 days, while medical equipment generally carries a 20 percent coinsurance.
Inpatient Hospital See details
Humana Gold Plus H1951-024 (HMO) covers inpatient hospital services with no coinsurance, but upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered. Covered acute stays require a $175 daily copay for days 1-14 (with no copay for additional days), while psychiatric stays require a $168 daily copay for days 1-14 and no copay for days 15-90.
Outpatient Services See details
Outpatient services are covered by Humana Gold Plus H1951-024 (HMO) with no coinsurance, featuring a $0 to $255 copay for outpatient hospital services and a $175 copay per stay for observation services. Ambulatory surgical center and blood services are covered with no copay and no coinsurance, while outpatient substance abuse sessions require a $35 copay.
Partial Hospitalization See details
Humana Gold Plus H1951-024 (HMO) covers partial hospitalization services with a $35.00 copay and no coinsurance. Prior authorization is required to access this covered benefit.
Ambulance and Transportation Services See details
Humana Gold Plus H1951-024 (HMO) covers ground ambulance services with a $335 copay and no coinsurance, and air ambulance services with a 20% coinsurance and no copay, with prior authorization required for all ambulance services. Transportation services to health-related locations are not covered under this plan.
Emergency Services See details
Humana Gold Plus H1951-024 (HMO) covers emergency services with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services are covered with a $50 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are available with a $130 copay and no coinsurance.
Primary Care See details
Humana Gold Plus H1951-024 (HMO) covers primary care physician services with no copay and no coinsurance, and specialist visits with a $30 copay and no coinsurance. Therapy, mental health, and telehealth services are covered with copays ranging from $0 to $50 and no coinsurance, while chiropractic services are partially covered as routine and other chiropractic services are not covered, and podiatry is not covered.
Preventive Services See details
Humana Gold Plus H1951-024 (HMO) covers preventive services with no copay and no coinsurance, including annual physical exams, kidney disease education, and select screenings. This benefit is partially covered, as supplemental services such as health education, weight management programs, personal emergency response systems, and home safety assessments are not covered.
Hearing Services See details
Humana Gold Plus H1951-024 (HMO) covers hearing services, offering routine exams and fitting evaluations with no copay and no coinsurance, while Medicare-covered exams require a $30 copay and no coinsurance. Prescription hearing aids are partially covered with no coinsurance and copays ranging from $699 to $999 for up to two devices per year, though OTC, inner ear, outer ear, and over the ear hearing aids are not covered.
Vision Services See details
Humana Gold Plus H1951-024 (HMO) covers routine eye exams and eyewear with no copay, no coinsurance, and no deductible up to a $250 annual maximum, though prior authorization is required. This benefit is partially covered, as other eye exams, separate eyeglass lenses, separate eyeglass frames, and upgrades are not covered.
Dental Services See details
Dental services are partially covered by Humana Gold Plus H1951-024 (HMO) up to a $3,000 annual limit, featuring no copay and no coinsurance for most services, though prosthodontics require a 30% coinsurance and no copay, and Medicare-covered dental has a $30 copay and no coinsurance. Fluoride treatment, maxillofacial prosthetics, implant services, and orthodontics are not covered under this benefit.
Home Infusion bundled Services See details
Home infusion bundled services are covered by Humana Gold Plus H1951-024 (HMO) with no copay and no coinsurance, although prior authorization is required. Under this benefit, Medicare Part B chemotherapy, radiation, and other drugs have no copay and coinsurance ranging from no coinsurance to 20%, while Part B insulin requires a $35 copay and coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
Humana Gold Plus H1951-024 (HMO) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
Humana Gold Plus H1951-024 (HMO) covers medical equipment, including durable medical equipment (DME), prosthetics, medical supplies, and diabetic equipment, with prior authorization required. DME, prosthetics, and medical supplies carry no copay and a 20% coinsurance, while diabetic supplies have no copay with a 10% to 20% coinsurance, and diabetic therapeutic shoes or inserts require a $10 copay.
Diagnostic and Radiological Services See details
Humana Gold Plus H1951-024 (HMO) covers diagnostic services with no coinsurance, offering no copay for lab services and a copay of $0 to $50 for diagnostic procedures. Covered radiological services include outpatient X-rays with no copay, diagnostic radiology with a minimum copay of $0, and therapeutic radiology with a minimum $30 copay and a minimum 20% coinsurance.
Home Health Services See details
Home health services are covered by Humana Gold Plus H1951-024 (HMO) with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by Humana Gold Plus H1951-024 (HMO) with no coinsurance, though prior authorization is required. While some services are covered, standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and SET for PAD services are not covered in practice and require a $15 copay.
Skilled Nursing Facility (SNF) See details
Humana Gold Plus H1951-024 (HMO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization but no prior three-day hospital stay. There is no copay for days 1 through 20, followed by a $218 daily copay for days 21 through 100, with no coverage provided for additional days.
Other Services See details
Humana Gold Plus H1951-024 (HMO) partially covers other services, offering acupuncture with a $30 copay and no coinsurance for up to 20 treatments per year, alongside chronic illness meal benefits with no copay and no coinsurance. Over-the-counter (OTC) items and other miscellaneous services are not covered under this benefit.
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