Humana Gold Plus SNP-DE H1951-041 (HMO D-SNP)

Humana Gold Plus SNP-DE H1951-041 (HMO D-SNP) is a HMO D-SNP plan offered by Humana Inc. available for enrollment in 2025 to people living in 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 H1951-041 (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 H1951-041 (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 H1951-041 (HMO D-SNP) Medicare plan features an annual drug deductible of $615. Under this plan, you will pay no copay for Tier 1 (Preferred Generic) and Tier 2 (Generic) drugs when using a standard pharmacy or preferred mail order service for both 1-month and 3-month supplies. If you choose standard mail order, Tier 1 drugs require a $10 to $30 copay, while Tier 2 drugs carry a $20 to $60 copay depending on the supply duration. For higher-tier medications, including Tier 3 (Preferred Brand), Tier 4 (Non-Preferred Drug), and Tier 5 (Specialty Tier), members are responsible for a 25% coinsurance. This 25% coinsurance rate applies across standard pharmacies, preferred mail order, and standard mail order services for these brand-name and specialty prescriptions. Understanding these cost-sharing details helps you accurately estimate your out-of-pocket prescription expenses with this Humana HMO D-SNP plan.

Additional Benefits

The Humana Gold Plus SNP-DE H1951-041 (HMO D-SNP) plan offers comprehensive coverage with a mix of copays and coinsurance for essential medical services. Inpatient hospital acute stays require an $1,800 copay per admission with no coinsurance, while primary care, specialist visits, and therapy feature no copays and a 20% coinsurance. Outpatient hospital services carry a $550 copay and 20% coinsurance, and emergency room visits require a $115 copay which is waived if you are admitted within 24 hours. For supplemental care, the plan provides no copays and no coinsurance for preventive and comprehensive dental services up to a $2,000 yearly limit, as well as unlimited over-the-counter hearing aids. Vision benefits include a $250 annual allowance for eyewear with no copay, and members can utilize up to 76 free one-way transportation trips per year to plan-approved locations. Additionally, home health services, over-the-counter items, and chronic illness meals are covered with no copays or coinsurance.