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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 2025, 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 2025.
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 $38.90. 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 $590.00 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 $9350.00 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) plan has a $590 deductible for prescription drugs. After the deductible, you will pay the costs for drugs based on the tier and pharmacy you use. This plan's premium may be reduced if you qualify for the low-income subsidy (LIS). Once your total drug costs reach $2000, you enter the catastrophic coverage phase and pay nothing for covered drugs. Please refer to the plan's formulary for specific drug coverage details and associated costs.
Additional Benefits
The Humana Gold Plus SNP-DE H1951-032 (HMO D-SNP) plan offers a range of benefits, including coverage for inpatient and outpatient services with varying copays and coinsurance amounts. It also provides coverage for ambulance and transportation services, emergency services, primary care, preventive services, hearing, vision, dental, and home health services. Many services, such as routine eye exams, have no copay, while others, like inpatient hospital stays, have a copay per admission. This plan includes additional benefits like home infusion, dialysis, medical equipment, diagnostic and radiological services, and skilled nursing facility care. Other covered services include acupuncture, OTC items, and a meal benefit. The plan has a $0 copay for many services, including preventive services, and routine eye exams.
Inpatient Hospital See details
Inpatient Hospital benefits are covered, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric services. For Inpatient Hospital-Acute, the copay is $2,185 per admission or stay, and additional days have no copay. For Inpatient Hospital Psychiatric, the copay is $2,036 per admission or stay. Non-Medicare-covered stays and upgrades for Inpatient Hospital-Acute, as well as additional days and non-Medicare-covered stays for Inpatient Hospital Psychiatric, are not covered.
Outpatient Services See details
Outpatient Services includes coverage for Outpatient Hospital Services, Observation Services, Ambulatory Surgical Center (ASC) Services, Outpatient Substance Abuse Services, and Outpatient Blood Services. Outpatient Hospital Services have a $550 copay and 20% coinsurance, while Observation Services have 20% coinsurance. Ambulatory Surgical Center (ASC) Services have a $400 copay and 20% coinsurance, and Outpatient Substance Abuse Services, including individual and group sessions, have 20% coinsurance. Outpatient Blood Services have no copay.
Partial Hospitalization See details
Partial Hospitalization is covered by the Humana Gold Plus SNP-DE H1951-032 (HMO D-SNP) plan, but requires prior authorization. You will pay 20% coinsurance for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered, with prior authorization required. Ground ambulance services have a $315 copay, while air ambulance services have a 20% coinsurance, and transportation services to plan-approved health-related locations have no copay for up to 76 one-way trips per year. Transportation services to any health-related location are not covered.
Emergency Services See details
Emergency Services are covered by the Humana Gold Plus SNP-DE H1951-032 (HMO D-SNP) plan with a $110 copay. Urgently Needed Services have a 20% coinsurance, and Worldwide Emergency Services have a $110 copay for Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation.
Primary Care See details
Primary Care Physician Services, Chiropractic Services, Occupational Therapy Services, Physician Specialist Services, Mental Health Specialty Services, Podiatry Services, Other Health Care Professional, Psychiatric Services, Physical Therapy and Speech-Language Pathology Services, Additional Telehealth Benefits, and Opioid Treatment Program Services are covered. Primary Care Physician Services, Physician Specialist Services, Physical Therapy, Speech-Language Pathology, and Additional Telehealth Benefits have a 20% coinsurance, and Chiropractic Services, Individual and Group Sessions for Mental Health Specialty Services, Podiatry Services, Other Health Care Professional, Psychiatric Services, and Opioid Treatment Program Services have a 20% coinsurance. Routine Chiropractic Care and Additional Telehealth Benefits have no copay, while Routine Foot Care has no coinsurance.
Preventive Services See details
Preventive services include an annual physical exam with no copay, and additional preventive services are covered with a copay that varies depending on the service. Other covered services include wigs for hair loss related to chemotherapy, In-Home Support Services, Kidney Disease Education Services, Glaucoma Screening, Diabetes Self-Management Training, Barium Enemas, Digital Rectal Exams, and EKG following Welcome Visit, all with no copay. Health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge in-home medication reconciliation, re-admission prevention, weight management programs, alternative therapies, therapeutic massage, adult day health services, nutritional/dietary benefits, home-based palliative care, support for caregivers of enrollees, enhanced disease management, telemonitoring services, remote access technologies, home and bathroom safety devices and modifications, and counseling services are not covered.
Hearing Services See details
Hearing exams are covered, including services not usually covered by Medicare plans, with at most 20% coinsurance for routine hearing exams and no copay for Medicare-covered benefits. Prescription hearing aids (all types) are covered with no copay for two visits every three years, while prescription hearing aids for the inner ear, outer ear, and over the ear are not covered. OTC hearing aids are not covered.
Vision Services See details
The Humana Gold Plus SNP-DE H1951-032 (HMO D-SNP) plan covers vision services, including routine eye exams with no copay and 20% coinsurance, and eyewear with no copay, with a combined maximum benefit of $450 per year. Eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
Dental Services are covered, with a 20% coinsurance for Medicare Dental Services. Other Dental Services have a maximum benefit of $4,000 per year. Oral exams, dental X-rays, other diagnostic services, prophylaxis (cleaning), and other preventive services are covered with no copay. Fluoride treatment, Prosthodontics, removable, Maxillofacial Prosthetics, Implant Services, and Orthodontics are not covered. Prosthodontics, fixed, Oral and Maxillofacial Surgery, and Endodontics are covered with no copay.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by the Humana Gold Plus SNP-DE H1951-032 (HMO D-SNP) plan. Medicare Part B Insulin Drugs have a $35 copay and a coinsurance between 0% and 20%, while Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs have a coinsurance between 0% and 20%, with no copay.
Dialysis Services See details
Dialysis Services are covered, but require prior authorization. You will pay 20% coinsurance for these services.
Medical Equipment See details
Medical Equipment, including Durable Medical Equipment (DME), Prosthetics/Medical Supplies, and Diabetic Equipment are covered. DME has a 20% coinsurance, while Prosthetic Devices and Medical Supplies have 20% coinsurance, and Diabetic Supplies and Diabetic Therapeutic Shoes/Inserts have a 20% coinsurance, with no copay.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered, with a coinsurance of at most 20% for Diagnostic Procedures/Tests, Lab Services, Diagnostic Radiological Services, Therapeutic Radiological Services, and Outpatient X-Ray Services. Lab Services have no copay, while Outpatient X-Ray Services have a $50 copay, and Diagnostic Radiological Services have a copay of at most $700.
Home Health Services See details
Home Health Services are covered by this plan with no copay and no coinsurance. Additional Hours of Care and Personal Care Services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered, but the specific services of Cardiac Rehabilitation Services, Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services are not covered. Prior authorization is required.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Humana Gold Plus SNP-DE H1951-032 (HMO D-SNP) plan, but require prior authorization. There is no copay for days 1-20, and a $214 copay for days 21-100.
Other Services See details
The Humana Gold Plus SNP-DE H1951-032 (HMO D-SNP) plan covers acupuncture with a 20% coinsurance after prior authorization, and it covers Over-the-Counter (OTC) items with a maximum benefit coverage amount of $1440 per year. The plan also covers a meal benefit with no copay, and prior authorization is required. Other services such as Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, and others are not covered.
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