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.
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 $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) prescription drug plan has an annual drug deductible of $615. Tier 1 preferred generic drugs feature no copay for 1-month and 3-month supplies at standard pharmacies or through preferred mail order. Tier 2 generic drugs cost $5 for a 1-month supply at standard pharmacies, but you can get a 3-month supply with no copay using preferred mail order. Tier 3 preferred brand drugs carry a $47 copay for a 1-month supply at standard pharmacies and mail order services. For higher-tier prescriptions, Tier 4 non-preferred drugs require a 50% coinsurance, while Tier 5 specialty drugs require a 25% coinsurance for a 1-month supply.
Additional Benefits
The Humana Gold Plus H1951-049 (HMO) plan features comprehensive medical coverage with no copay for primary care doctor visits, preventive services, and home health care. Specialist visits require a $25 copay, while inpatient hospital stays are covered with a $197 daily copay for the first 10 days and no copay for days 11 through 90. Outpatient hospital care and emergency room visits are also covered with predictable copays and no coinsurance. Members can take advantage of robust ancillary benefits, including dental care up to a $2,500 annual limit and vision eyewear up to $350 with no copay. Routine hearing exams and up to 60 one-way transportation trips per year to plan-approved locations are also provided with no copay. While durable medical equipment and dialysis require a 20% coinsurance, the plan minimizes out-of-pocket costs for most daily health and wellness needs.
Inpatient Hospital See details
Humana Gold Plus H1951-049 (HMO) covers inpatient acute and psychiatric hospital care with no coinsurance, requiring a $197 daily copay for days 1 to 10 and no copay for days 11 to 90. Unlimited additional acute care days are covered with no copay, though additional psychiatric 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, though prior authorization is required for most care. Covered benefits include outpatient hospital services with a copay of $0 to $205, outpatient substance abuse sessions with a $35 copay, and ambulatory surgical center and blood services with no copay.
Partial Hospitalization See details
Humana Gold Plus H1951-049 (HMO) covers partial hospitalization services with a $35.00 copay and no coinsurance. Prior authorization is required to receive coverage for this benefit.
Ambulance and Transportation Services See details
Humana Gold Plus H1951-049 (HMO) 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, offering up to 60 one-way trips per year to plan-approved locations with no copay or coinsurance, though trips to any health-related location are 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 care is 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) covers primary care physician visits with no copay and no coinsurance, while specialist visits require a $25 copay and no coinsurance. Other covered benefits like physical therapy ($20 copay) and mental health services ($35 copay) also feature no coinsurance, though podiatry and routine chiropractic care are not covered.
Preventive Services See details
Preventive services are covered by Humana Gold Plus H1951-049 (HMO) with no copays and no coinsurance for services like annual physical exams, kidney disease education, and diabetes self-management training. While fitness and in-home support benefits are included, other additional preventive services such as health education, weight management programs, and personal emergency response systems are not covered.
Hearing Services See details
Humana Gold Plus H1951-049 (HMO) covers Medicare-covered hearing exams for a $25 copay and routine exams, fittings, and over-the-counter hearing aids with no copay, all featuring no coinsurance. Prescription hearing aids are partially covered for up to two devices per year with a copay ranging from $699 to $999 and no coinsurance, though inner ear, outer ear, and over the ear models are not covered.
Vision Services See details
Vision services are partially covered by Humana Gold Plus H1951-049 (HMO), offering no coinsurance, a $0 to $25 copay for eye exams, and no copay for eyewear up to a $350 annual limit. Routine exams, contact lenses, and eyeglasses are covered, while other eye exam services, eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
Humana Gold Plus H1951-049 (HMO) partially covers dental services, offering up to a $2,500 annual limit with no copay and no coinsurance for most preventive, diagnostic, restorative, endodontic, periodontic, prosthodontic, and oral surgery services, while Medicare-covered dental requires a $25 copay and no coinsurance. 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, subject to prior authorization. Under this benefit, Medicare Part B chemotherapy, radiation, and other drugs require no coinsurance to 20% coinsurance, while Part B insulin has a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Humana Gold Plus H1951-049 (HMO) covers dialysis services with no copay and a 20% coinsurance, though prior authorization is required.
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 from specified manufacturers are covered with a 10% to 20% coinsurance and no copay, while diabetic therapeutic shoes and inserts require a $10 copay and coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by Humana Gold Plus H1951-049 (HMO), featuring no coinsurance for diagnostic services, no copay for lab services, and a $0 to $50 copay for diagnostic procedures. Diagnostic radiological services and outpatient X-rays require no copay, while therapeutic radiological services incur a minimum 20% coinsurance and a minimum $25 copay.
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 by Humana Gold Plus H1951-049 (HMO) with no coinsurance and prior authorization required. While some services are covered, cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered and carry a $15 copay.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is covered by Humana Gold Plus H1951-049 (HMO) with no coinsurance, featuring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, a prior three-day inpatient hospital stay is not required, and additional days beyond the 100-day Medicare limit are not covered.
Other Services See details
Humana Gold Plus H1951-049 (HMO) partially covers other services, offering acupuncture with a $25 copay and no coinsurance, alongside over-the-counter items and chronic illness meals with no copay and no coinsurance. Prior authorization is required for acupuncture and meal benefits, while Other 1, Other 2, Other 3, and Dual Eligible SNPs with Highly Integrated Services 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