Humana Gold Plus SNP-DE H4461-071 (HMO D-SNP)

Humana Gold Plus SNP-DE H4461-071 (HMO D-SNP) is a HMO D-SNP plan offered by Humana Inc. available for enrollment in 2026 to people living in Northeast Texas and Austin Metro. 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 H4461-071 (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 H4461-071 (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 H4461-071 (HMO D-SNP) prescription drug plan features an annual drug deductible of $615. For Tier 1 preferred generic and Tier 2 generic medications, there is no copay for 1-month and 3-month supplies filled at standard pharmacies or through preferred mail order. If you choose standard mail order, Tier 1 drugs require a $10 copay for 1-month or $30 for 3-month supplies, while Tier 2 drugs require a $20 copay for 1-month or $60 for 3-month supplies. For brand-name and higher-tier medications, the plan transitions from copays to a coinsurance model. Tier 3 preferred brand, Tier 4 non-preferred, and Tier 5 specialty drugs all require a 25% coinsurance. This 25% cost-sharing applies to standard pharmacies as well as preferred and standard mail order options.

Additional Benefits

The Humana Gold Plus SNP-DE H4461-071 (HMO D-SNP) plan offers comprehensive medical coverage, featuring inpatient hospital stays with copays of $2,230 for acute care and $1,760 for psychiatric care, both with no coinsurance. For outpatient services, primary care, and specialist visits, members will pay no copay and a 20% coinsurance. Additionally, emergency room visits require a $115 copay, while preventive care and home health services are covered with no copay and no coinsurance. This plan also provides valuable supplemental care, including dental benefits with no copay and a $5,000 annual limit for covered non-Medicare services, alongside a $450 annual allowance for eyewear with no copay or coinsurance. Hearing benefits, including fitting evaluations and over-the-counter hearing aids, feature no copay, and members can access up to 60 one-way transportation trips per year with no copay or coinsurance. Other benefits include covered over-the-counter items and chronic illness meals with no copay and no coinsurance.