Humana Gold Plus SNP-DE H3533-034 (HMO D-SNP)

Humana Gold Plus SNP-DE H3533-034 (HMO D-SNP) is a HMO D-SNP plan offered by Humana Inc. available for enrollment in 2025 to people living in Long Island and Select Counties in New York City. This plan received an overall rating of 3 out of 5 stars in 2026.

It's important to know that Humana Gold Plus SNP-DE H3533-034 (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 H3533-034 (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 H3533-034 (HMO D-SNP) prescription drug plan features an annual drug deductible of $615. For Tier 1 preferred generic and Tier 2 generic drugs, members enjoy no copay for one-month and three-month supplies when using a standard pharmacy or preferred mail order. Standard mail order options for these generic tiers require a copay, ranging from $10 to $30 for Tier 1 and $20 to $60 for Tier 2. For Tier 3 preferred brand, Tier 4 non-preferred, and Tier 5 specialty drugs, the plan requires a flat 25% coinsurance. This 25% coinsurance rate applies to standard pharmacies, preferred mail order, and standard mail order. Tier 5 specialty drugs are restricted to a one-month supply at this same coinsurance rate.

Additional Benefits

The Humana Gold Plus SNP-DE H3533-034 (HMO D-SNP) plan offers comprehensive medical coverage, featuring a $2,230 copay per inpatient hospital stay and no copay for primary care or specialist visits, which carry a 20% coinsurance. Outpatient hospital services require a copay ranging from no copay to $250 along with 20% coinsurance, while emergency room visits have a $115 copay that is waived upon hospital admission. Additionally, skilled nursing facility stays feature no copay for the first 20 days, followed by a $218 daily copay for days 21 through 100. For routine care, this plan provides essential wellness benefits with no copay and no coinsurance for most preventive services, routine dental care, and over-the-counter hearing aids. Vision services feature no copay and 20% coinsurance, which includes up to $200 annually for eyewear, while approved transportation services offer up to 24 one-way trips per year with no copay and no coinsurance. Other valuable benefits like home health care, over-the-counter items, and chronic illness meals are also covered with no copay and no coinsurance to help manage your daily health needs.