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Humana Gold Plus H6622-013 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Humana Gold Plus H6622-013 (HMO-POS). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Humana Gold Plus H6622-013 (HMO-POS) in 2026, please refer to our full plan details page.
Humana Gold Plus H6622-013 (HMO-POS) is a HMO-POS plan offered by Humana Inc. available for enrollment in 2025 to people living in Columbus Metro Area. This plan received an overall rating of 3.5 out of 5 stars in 2026.
It's important to know that Humana Gold Plus H6622-013 (HMO-POS) 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 H6622-013 (HMO-POS).
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 H6622-013 (HMO-POS), 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 $250.00 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 $5000.00 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:
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Drug Coverage
The Humana Gold Plus H6622-013 (HMO-POS) medicare plan features an annual drug deductible of $250. For Tier 1 preferred generic drugs, members pay no copay for a 1-month or 3-month supply through standard pharmacies or preferred mail order. Tier 2 generic drugs cost as little as a $5 copay for a 1-month supply, with no copay required for a 3-month supply filled via preferred mail order. Tier 3 preferred brand drugs require a $47 copay for a 1-month supply, which increases to $141 for a 3-month supply or a discounted $131 through preferred mail order. Higher-tier medications require coinsurance, with Tier 4 non-preferred drugs carrying a 50% coinsurance for both 1-month and 3-month supplies. Tier 5 specialty drugs incur a 30% coinsurance for a 1-month supply across standard pharmacies and mail order services.
Additional Benefits
The Humana Gold Plus H6622-013 (HMO-POS) plan offers comprehensive medical coverage with many essential services available at no cost to you. You will pay no copay for primary care physician visits, routine preventive services, and annual physical exams, while specialist visits require a $40 copay. For inpatient hospital stays, there is no coinsurance, though you will pay a $540 daily copay for the first five days of acute care. This plan also includes valuable extra benefits, such as dental coverage up to a $2,500 annual limit with no copay for preventive care and a 30% to 40% coinsurance for restorative services. You will also benefit from no copay for routine hearing exams, up to $250 annually for eyewear, and no copay for up to 100 one-way transportation trips to plan-approved locations. Many other services, including diagnostic lab tests, home health care, and select over-the-counter items, are also covered with no copay and no coinsurance.
Inpatient Hospital See details
Humana Gold Plus H6622-013 (HMO-POS) covers inpatient hospital services with no coinsurance, requiring a $540 daily copay for days 1 to 5 of acute stays (with no copay for days 6 and beyond) and days 1 to 4 of psychiatric stays (with no copay for days 5 to 90). This benefit is partially covered because upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Humana Gold Plus H6622-013 (HMO-POS) covers outpatient services with no coinsurance, featuring copays of $0 to $510 for outpatient hospital services and $540 per stay for observation services. Ambulatory surgical center and outpatient blood services are covered with no copay and no coinsurance, while outpatient substance abuse sessions require a $35 copay and no coinsurance.
Partial Hospitalization See details
Humana Gold Plus H6622-013 (HMO-POS) covers partial hospitalization services with a $35.00 copay and no coinsurance. Prior authorization is required to receive this benefit.
Ambulance and Transportation Services See details
Humana Gold Plus H6622-013 (HMO-POS) covers ground and air ambulance services with a $335 copay and no coinsurance, subject to prior authorization. Transportation services are partially covered with no copay and no coinsurance for up to 100 one-way trips per year to plan-approved locations, but transportation to any health-related location is not covered.
Emergency Services See details
Emergency services are covered by Humana Gold Plus H6622-013 (HMO-POS) with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services require a $50 copay with no coinsurance, while worldwide emergency, urgent, and transportation services are all covered with a $130 copay and no coinsurance.
Primary Care See details
Humana Gold Plus H6622-013 (HMO-POS) primary care benefits feature no copay and no coinsurance for primary care physician services, while specialist visits carry a $40 copay and no coinsurance. Other covered services, including physical therapy, occupational therapy, and mental health services, feature copays ranging from $10 to $40 and no coinsurance, though podiatry and routine chiropractic care are not covered.
Preventive Services See details
Humana Gold Plus H6622-013 (HMO-POS) covers preventive services, including annual physical exams, kidney disease education, and glaucoma screenings, with no copay and no coinsurance. Additional preventive benefits are partially covered with no copay and no coinsurance, but do not cover health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, home-based palliative care, in-home support, caregiver support, enhanced disease management, telemonitoring, remote access, home safety devices, and counseling.
Hearing Services See details
Humana Gold Plus H6622-013 (HMO-POS) covers hearing services with no copay or coinsurance for OTC hearing aids, routine annual exams, and fitting evaluations, while Medicare-covered exams require a $40 copay and no coinsurance. Prescription hearing aids are partially covered with a $399 to $999 copay and no coinsurance, though inner ear, outer ear, and over the ear models are not covered.
Vision Services See details
Humana Gold Plus H6622-013 (HMO-POS) offers partially covered vision services with no deductibles, no coinsurance, and eye exam copays ranging from $0 to $40, though routine annual exams have no copay. Covered eyewear has no copay up to a $250 annual limit, but other eye exams, individual eyeglass lenses, individual eyeglass frames, and upgrades are not covered.
Dental Services See details
Humana Gold Plus H6622-013 (HMO-POS) partially covers dental services up to a $2,500 annual limit, offering Medicare-covered dental with a $40 copay and no coinsurance, and preventive, endodontic, periodontic, and oral surgery services with no copay and no coinsurance. Restorative and fixed prosthodontics are covered with no copay and a 30% to 40% coinsurance, while fluoride, implants, removable prosthodontics, maxillofacial prosthetics, and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by Humana Gold Plus H6622-013 (HMO-POS) with no copay and no coinsurance, though prior authorization is required. Under this benefit, Part B chemotherapy, radiation, and other Part B drugs have no copay and 0% to 20% coinsurance, while Part B insulin has a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by Humana Gold Plus H6622-013 (HMO-POS) with no copay and a 20% coinsurance. Prior authorization is required to receive this benefit.
Medical Equipment See details
Humana Gold Plus H6622-013 (HMO-POS) covers durable medical equipment, prosthetics, and medical supplies with a 20% coinsurance and no copay, subject to prior authorization. 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 H6622-013 (HMO-POS) covers diagnostic services with no coinsurance, offering no copay for lab services and a $0 to $110 copay for diagnostic procedures. Covered radiological services include outpatient X-rays with no copay, diagnostic radiology starting at a $0 copay, and therapeutic radiology requiring a minimum 20% coinsurance and a $35 copay.
Home Health Services See details
Home health services are covered under the Humana Gold Plus H6622-013 (HMO-POS) plan with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Humana Gold Plus H6622-013 (HMO-POS) offers cardiac rehabilitation services with no coinsurance and prior authorization required, though only some services are covered. Standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered and require a $10 copay.
Skilled Nursing Facility (SNF) See details
Humana Gold Plus H6622-013 (HMO-POS) covers up to 100 days of Skilled Nursing Facility (SNF) services with no coinsurance, requiring a $10 daily copay for days 1 to 20 and a $218 daily copay for days 21 to 100. Prior authorization is required, a prior three-day inpatient hospital stay is not required, and additional days beyond the standard 100 days are not covered.
Other Services See details
Humana Gold Plus H6622-013 (HMO-POS) covers acupuncture for up to 20 treatments per year with a $40 copay and no coinsurance, subject to prior authorization. The plan also offers over-the-counter items and meal benefits with no copay and no coinsurance, though prior authorization is required for meals and not all CMS OTC list drugs are covered.
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