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Humana Gold Plus SNP-DE H1951-032 (HMO D-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Humana Gold Plus SNP-DE H1951-032 (HMO D-SNP). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Humana Gold Plus SNP-DE H1951-032 (HMO D-SNP) in 2026, please refer to our full plan details page.
Humana Gold Plus SNP-DE H1951-032 (HMO D-SNP) is a HMO D-SNP plan offered by Humana Inc. available for enrollment in 2025 to people living in Southeast Louisiana. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that Humana Gold Plus SNP-DE H1951-032 (HMO D-SNP) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Important:
Humana Gold Plus SNP-DE H1951-032 (HMO D-SNP)is a Special Needs Type (SNP) plan. This means you can only enroll in this plan if you meet specific criteria. See our full plan details page for more information.
Key Plan Facts
Below are a few key facts and commonly-asked questions about Humana Gold Plus SNP-DE H1951-032 (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.
For Humana Gold Plus SNP-DE H1951-032 (HMO D-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $28.20. This is the amount you must pay every month.
This plan does not come with a Part B Premium reduction. You must continue to pay your 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 $615.00 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 $9250.00 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 SNP-DE H1951-032 (HMO D-SNP) prescription drug plan features an annual drug deductible of $615. For Tier 1 preferred generic and Tier 2 generic medications, you will pay no copay when utilizing standard retail pharmacies or preferred mail order services. Standard mail order deliveries for these generic tiers require a copay of $10 to $20 for a one-month supply and $30 to $60 for a three-month supply. For brand-name and specialty medications, costs transition from flat copays to coinsurance. Tier 3 preferred brands, Tier 4 non-preferred drugs, and Tier 5 specialty drugs all require a 25% coinsurance whether you use standard pharmacies or mail order options. This 25% coinsurance rate applies to both one-month and three-month supplies, with specialty tier medications limited to a one-month supply.
Additional Benefits
The Humana Gold Plus SNP-DE H1951-032 (HMO D-SNP) offers comprehensive medical coverage, though out-of-pocket costs vary depending on the service. Inpatient hospital stays require a $2,100 copay per admission with no coinsurance, while outpatient hospital services carry a $550 copay and a 20% coinsurance. For routine medical care, primary and specialist visits feature no copay and a 20% coinsurance, whereas preventive care and home health services are fully covered with no copays or coinsurance. This plan also includes valuable supplemental benefits like dental, vision, and hearing coverage to help lower your healthcare expenses. Dental services are covered up to a $4,000 annual limit with no copay or coinsurance for most care, and you receive up to $450 yearly for eyewear with no copay or coinsurance. Additionally, the plan features routine hearing exams for a 20% coinsurance and provides up to two hearing aids every three years with no copay or coinsurance.
Inpatient Hospital See details
Humana Gold Plus SNP-DE H1951-032 (HMO D-SNP) covers inpatient acute hospital stays with a $2,100 copay per admission and psychiatric stays with a $1,900 copay per admission, both featuring no coinsurance. Prior authorization is required for these services, and while unlimited additional days are covered for acute care, additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Humana Gold Plus SNP-DE H1951-032 (HMO D-SNP) covers outpatient hospital services with a $550 copay and 20% coinsurance, and ambulatory surgical center services with a $400 copay and 20% coinsurance. Outpatient substance abuse and outpatient blood services are covered with no copay and a 20% coinsurance, with prior authorization required for these outpatient services.
Partial Hospitalization See details
Partial hospitalization services are covered by Humana Gold Plus SNP-DE H1951-032 (HMO D-SNP) with no copay and a 20% coinsurance. Prior authorization is required to receive this benefit.
Ambulance and Transportation Services See details
Humana Gold Plus SNP-DE H1951-032 (HMO D-SNP) covers ground ambulance services with a $335 copay and no coinsurance, and air ambulance services with a 20% coinsurance and no copay. Transportation services are partially covered with no copay or coinsurance for up to 76 one-way trips per year to plan-approved locations, while transportation to any health-related location is not covered.
Emergency Services See details
Humana Gold Plus SNP-DE H1951-032 (HMO D-SNP) covers emergency services with a $115 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services are covered with a 20% coinsurance (up to $40) and no copay, while worldwide emergency, urgent, and transportation services are available for a $115 copay and no coinsurance.
Primary Care See details
Primary care and specialist services under the Humana Gold Plus SNP-DE H1951-032 (HMO D-SNP) plan are generally covered with no copay and a 20% coinsurance, with prior authorization required for most specialty care. Chiropractic services are partially covered, providing up to 12 routine visits per year with no copay and a 20% coinsurance, while other chiropractic services are not covered.
Preventive Services See details
Preventive services are partially covered by Humana Gold Plus SNP-DE H1951-032 (HMO D-SNP) with no copays and no coinsurance for covered care, including annual physicals, kidney disease education, and glaucoma screenings. While select additional benefits like fitness programs and in-home support are included, other services such as health education, nutritional therapy, and personal emergency response systems are not covered.
Hearing Services See details
Hearing services are covered under the Humana Gold Plus SNP-DE H1951-032 (HMO D-SNP) plan with no deductible, featuring routine hearing exams for a 20% coinsurance and no copay. Prescription hearing aids are partially covered with no copay or coinsurance for up to two devices every three years, though inner ear, outer ear, and over the ear models are not covered. OTC hearing aids and fitting evaluations are also covered with no copay or coinsurance.
Vision Services See details
Humana Gold Plus SNP-DE H1951-032 (HMO D-SNP) provides partially covered vision services, including one annual routine eye exam with no copay and 20% coinsurance, and up to $450 yearly for eyewear with no copay or coinsurance. Other eye exam services, separate eyeglass lenses, separate frames, and upgrades are not covered.
Dental Services See details
Humana Gold Plus SNP-DE H1951-032 (HMO D-SNP) partially covers dental services with up to a $4,000 annual limit, offering most covered preventive and comprehensive services with no copay and no coinsurance, while Medicare-covered dental services require a 20% coinsurance and no copay. Specific exclusions that are not covered under this plan include fluoride treatment, removable prosthodontics, maxillofacial prosthetics, implant services, and orthodontics.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by Humana Gold Plus SNP-DE H1951-032 (HMO D-SNP) with prior authorization, featuring no coinsurance to 20% coinsurance on Medicare Part B drugs. Under this benefit, covered insulin requires a $35 copay, while other Part B drugs have no copay and step therapy may apply.
Dialysis Services See details
Dialysis Services are covered by the Humana Gold Plus SNP-DE H1951-032 (HMO D-SNP) plan with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
Medical equipment is covered by Humana Gold Plus SNP-DE H1951-032 (HMO D-SNP), featuring no copay and a 20% coinsurance for durable medical equipment (DME), prosthetic devices, medical supplies, and diabetic supplies. Diabetic therapeutic shoes and inserts are also covered with no copay, though prior authorization is required for most of these benefits.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by Humana Gold Plus SNP-DE H1951-032 (HMO D-SNP), subject to prior authorization. Diagnostic procedures, tests, and lab services require a 20% coinsurance and no copay, while outpatient X-rays carry a 20% coinsurance and a $50 copay. Diagnostic and therapeutic radiological services require a 20% coinsurance and a copay, which includes a $200 copay specifically for diagnostic radiological services.
Home Health Services See details
Home health services are covered by Humana Gold Plus SNP-DE H1951-032 (HMO D-SNP) with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Humana Gold Plus SNP-DE H1951-032 (HMO D-SNP) covers some cardiac rehabilitation services with no copay and a prior authorization requirement. However, standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for peripheral artery disease (PAD) services are not covered and require a 20% coinsurance.
Skilled Nursing Facility (SNF) See details
Humana Gold Plus SNP-DE H1951-032 (HMO D-SNP) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization but no prior three-day inpatient hospital stay. There is no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, though additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Humana Gold Plus SNP-DE H1951-032 (HMO D-SNP) covers acupuncture with no copay and 20% coinsurance for up to 20 treatments per year, which requires prior authorization. Over-the-counter items and chronic illness meal benefits are also covered with no copay and no coinsurance.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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