A non-government entity
Humana Gold Plus H1951-049 (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Humana Gold Plus H1951-049 (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 H1951-049 (HMO) in 2026, please refer to our full plan details page.
Humana Gold Plus H1951-049 (HMO) is a HMO plan offered by Humana Inc. available for enrollment in 2025 to people living in Select Louisiana Parishes. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that Humana Gold Plus H1951-049 (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 H1951-049 (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 H1951-049 (HMO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $0.00. This is the amount you must pay every month. Additionally, this plan comes with a Part B Premium reduction of $2.00. 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 $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 $4500.00 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:
Sign up for Humana Gold Plus H1951-049 (HMO)
Need help deciding? Talk with one of our licensed insurance specialists 1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
Drug Coverage
The Humana Gold Plus H1951-049 (HMO) plan features an annual prescription drug deductible of $615. For Tier 1 preferred generic drugs, members pay no copay when using standard pharmacies or preferred mail order. Tier 2 generic medications require a $5 copay for a one-month supply at standard pharmacies, or no copay for a three-month supply through preferred mail order. Tier 3 preferred brand drugs cost a $47 copay for a one-month supply, with a three-month preferred mail order option costing $131. Higher-tier medications transition to coinsurance, with Tier 4 non-preferred drugs requiring a 50% coinsurance and Tier 5 specialty drugs requiring a 25% coinsurance. This structured pricing helps beneficiaries plan for their monthly and long-term medication expenses.
Additional Benefits
The Humana Gold Plus H1951-049 (HMO) plan offers robust medical coverage, including primary care doctor visits, preventive screenings, and home health services with no copay or coinsurance. For specialized care, patients pay a $20 copay for specialist visits and physical therapy, while emergency room visits carry a $130 copay. Inpatient hospital stays require a $195 daily copay for the first 10 days, after which there is no copay for days 11 through 90. This plan also features excellent supplemental benefits, including routine dental care with no copay up to a $3,000 annual limit and routine vision exams with a $350 annual allowance for eyewear. Members also benefit from routine hearing exams and over-the-counter hearing aids with no copay, alongside up to 60 free one-way transportation trips per year to approved locations. Additionally, convenient extras like chronic illness meals and over-the-counter items are covered with no copays or coinsurance.
Inpatient Hospital See details
Humana Gold Plus H1951-049 (HMO) covers inpatient hospital services with no coinsurance, requiring a $195 daily copay for days 1 through 10 and no copay for days 11 through 90. Unlimited additional acute care days are fully covered with no copay, though psychiatric additional days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Humana Gold Plus H1951-049 (HMO) covers outpatient services with no coinsurance, offering ambulatory surgical center and outpatient blood services with no copay. Outpatient hospital services require a copay of $0 to $125, observation services carry a $195 copay per stay, and outpatient substance abuse sessions have a $35 copay.
Partial Hospitalization See details
Partial hospitalization is covered by Humana Gold Plus H1951-049 (HMO) with a $35.00 copay and no coinsurance. Prior authorization is required for these services.
Ambulance and Transportation Services See details
Humana Gold Plus H1951-049 (HMO) covers ground ambulance services with a $335 copay and coinsurance, and air ambulance services with a 20% coinsurance and a copay. Transportation services are partially covered, offering up to 60 one-way trips per year to plan-approved locations with no copay and no coinsurance, but transportation to any other health-related location is not covered.
Emergency Services See details
Humana Gold Plus H1951-049 (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 H1951-049 (HMO) provides primary care physician services with no copay and no coinsurance, while specialist visits, physical therapy, and occupational therapy require a $20 copay and no coinsurance. Mental health, psychiatric, and opioid treatment services carry a $35 copay and no coinsurance, whereas podiatry and chiropractic services are not covered.
Preventive Services See details
Humana Gold Plus H1951-049 (HMO) covers a variety of preventive services, including annual physical exams, kidney disease education, and screenings, with no copay and no coinsurance. While select additional benefits like memory fitness and in-home support are covered at no cost, other supplemental services such as health education, medical nutrition therapy, and personal emergency response systems are not covered.
Hearing Services See details
Humana Gold Plus H1951-049 (HMO) covers hearing services with no coinsurance, featuring a $20 copay for Medicare-covered exams and no copay for routine annual exams, fitting evaluations, and over-the-counter (OTC) hearing aids. Prescription hearing aids are partially covered with copays ranging from $399 to $999, though inner ear, outer ear, and over-the-ear prescription hearing aids are not covered.
Vision Services See details
Vision Services under the Humana Gold Plus H1951-049 (HMO) plan are partially covered, offering no copay and no coinsurance for one routine eye exam per year and a $350 annual allowance for contact lenses or eyeglasses (lenses and frames). Other eye exam services, separate eyeglass lenses, separate eyeglass frames, and upgrades are not covered.
Dental Services See details
Dental services are partially covered under the Humana Gold Plus H1951-049 (HMO) plan, featuring a $20 copay and no coinsurance for Medicare-covered dental, and no copay or coinsurance for other covered services up to a $3,000 annual limit. While most diagnostic, preventive, and comprehensive services are covered, fluoride treatments, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Humana Gold Plus H1951-049 (HMO) covers home infusion bundled services with no copay, though prior authorization is required. Under this plan, Medicare Part B chemotherapy and other drugs have no copay and a coinsurance ranging from no coinsurance to 20%, while Part B insulin requires a $35 copay and a coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
Humana Gold Plus H1951-049 (HMO) covers Dialysis Services with no copay and a 20% coinsurance. Prior authorization is required to receive this covered benefit.
Medical Equipment See details
Humana Gold Plus H1951-049 (HMO) covers durable medical equipment, prosthetics, and medical supplies with a 20% coinsurance and no copay. Diabetic supplies are covered with a 10% to 20% coinsurance and no copay, while diabetic therapeutic shoes and inserts require a $10 copay.
Diagnostic and Radiological Services See details
Humana Gold Plus H1951-049 (HMO) covers diagnostic and radiological services with prior authorization, offering lab services and outpatient X-rays with no copay. Outpatient diagnostic procedures and tests have a copay ranging from $0 to $50 with no coinsurance, while therapeutic radiological services require a $20 copay and 20% coinsurance.
Home Health Services See details
Humana Gold Plus H1951-049 (HMO) covers home health services with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are covered under the Humana Gold Plus H1951-049 (HMO) plan with no coinsurance, although prior authorization is required. While some services are covered, specific sub-services including cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) are not covered and require a $15 copay.
Skilled Nursing Facility (SNF) See details
Humana Gold Plus H1951-049 (HMO) covers skilled nursing facility services with no coinsurance, requiring prior authorization but no prior three-day inpatient hospital stay. There is no copay for days 1 through 20, followed by a $218 daily copay for days 21 through 100, with additional days beyond the Medicare-covered limit not covered.
Other Services See details
Humana Gold Plus H1951-049 (HMO) covers acupuncture with a $20 copay and no coinsurance for up to 20 treatments yearly, as well as over-the-counter items and chronic illness meal benefits with no copay and no coinsurance. Prior authorization is required for acupuncture and meal benefits, and other miscellaneous services under this benefit category are not covered.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
*/SMID: MULTIPLAN_HCIHNMEDADVRX25_HCI_M
MedicareAdvantageRX.com is owned and operated by Dog Media Solutions LLC.
This is a promotional communication.
Every year, Medicare evaluates plans based on a 5-star rating system.
Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
* Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.
Enrollment in Medicare/Medicare Advantage may be limited to certain times of the year unless you qualify for a Special Enrollment Period
We do not offer every plan available in your area. Currently, we represent 18 organizations, which offer 52,101 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
We represent Medicare Advantage HMO, PPO and PFFS organizations and stand-alone PDP prescription drug plans that are contracted with Medicare. Enrollment depends on the plan's contract renewal.
Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.
Please contact Medicare.gov ,1-800-MEDICARE , or your local State Health Insurance Program (SHIP) to get information on all of your options.
Medicare has neither approved nor endorsed any information on this site.
Speak with a licensed insurance agent: 1-877-649-2073 / TTY 711 | 8am - 11pm ET | 7 days a week
© 2023 Dog Media Solutions LLC. All rights reserved