Humana Gold Plus H3533-033 (HMO)

Humana Gold Plus H3533-033 (HMO) is a HMO plan offered by Humana Health Company of New York, Inc. available for the 2026 plan year to people living in Brooklyn and Queens. This plan received an overall rating of 3 out of 5 stars in 2026.

It's important to know that Humana Gold Plus H3533-033 (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 H3533-033 (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.

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 H3533-033 (HMO) plan features an annual drug deductible of $615. For Tier 1 preferred generic drugs, you will face no copay for a 1-month or 3-month supply at standard pharmacies and through preferred mail order. Tier 2 generic drugs are also highly affordable, requiring no copay for a 3-month supply via preferred mail order or a $5 copay for a 1-month supply at standard pharmacies. Tier 3 preferred brand drugs carry a $47 copay for a 1-month supply across standard pharmacies and mail order options. For higher-tier medications, Tier 4 non-preferred drugs require 26% coinsurance, while Tier 5 specialty drugs require 25% coinsurance for a 1-month supply. These structured copayments and coinsurance rates help you easily estimate your out-of-pocket prescription costs.

Additional Benefits

The Humana Gold Plus H3533-033 (HMO) plan offers robust core medical coverage with predictable costs, including primary care visits with no copay and specialist visits for a $40 copay. Inpatient hospital stays require a $310 daily copay for the first six days and no copay thereafter, while skilled nursing facility stays feature no copay for the first 20 days. Emergency room visits carry a $115 copay, which is waived if you are admitted, and emergency ground or air ambulance services require a $335 copay. Beneficiaries enjoy comprehensive wellness benefits, including preventive services, annual physicals, routine hearing exams, and routine eye exams with eyeglasses or contacts up to a $250 limit, all with no copay or coinsurance. Dental care is covered up to a $1,000 annual limit with no copay for preventive services, though restorative care requires 30% to 40% coinsurance. Home health services and up to 24 one-way transportation trips per year are also covered with no copay, while durable medical equipment and dialysis require a 20% coinsurance.

Plan Providers

Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, Health Care Service Corporation, HealthSpring^SM, HealthSun, Healthy Blue, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint.