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Humana Gold Plus H6622-014 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Humana Gold Plus H6622-014 (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 H6622-014 (HMO-POS) in 2026, please refer to our full plan details page.
Humana Gold Plus H6622-014 (HMO-POS) is a HMO-POS plan offered by Humana Inc. available for enrollment in 2025 to people living in Select Northeast Ohio. This plan received an overall rating of 3.5 out of 5 stars in 2026.
It's important to know that Humana Gold Plus H6622-014 (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 H6622-014 (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 H6622-014 (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 $4200.00 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 H6622-014 (HMO-POS) plan features an annual drug deductible of $250. For Tier 1 preferred generic and Tier 2 generic drugs, members pay no copay for a 1-month or 3-month supply at standard pharmacies and through preferred mail order. If you choose standard mail order for these generic tiers, copays range from $10 to $20 for a 1-month supply. Tier 3 preferred brand drugs require a $47 copay for a 1-month supply, though a 3-month preferred mail order reduces the cost to $131. For higher-tier medications, the plan charges coinsurance instead of a flat copay, requiring 48% coinsurance for Tier 4 non-preferred drugs and 30% coinsurance for Tier 5 specialty drugs.
Additional Benefits
The Humana Gold Plus H6622-014 (HMO-POS) plan offers comprehensive medical coverage with no copay for primary care visits, while specialist visits require a $35 copay. Inpatient hospital stays require a $360 daily copay for the first 6 to 7 days followed by no copay, and emergency room visits carry a $150 copay. Most outpatient, diagnostic lab, and home health services are available with no copay and no coinsurance. This plan also features robust supplemental benefits, including routine dental care up to a $3,500 annual limit and routine vision services with up to $400 for eyewear, both with no copay. Additionally, members benefit from no copay for routine hearing exams and up to 24 one-way transportation trips per year to approved locations. Durable medical equipment and dialysis services generally require a 20% coinsurance with no copay.
Inpatient Hospital See details
Humana Gold Plus H6622-014 (HMO-POS) covers inpatient hospital services with no coinsurance, requiring a $360 daily copay for days 1 through 7 of acute stays and days 1 through 6 of psychiatric stays, followed by no copay for remaining days. Non-Medicare-covered stays, hospital upgrades, and additional psychiatric days are not covered.
Outpatient Services See details
Humana Gold Plus H6622-014 (HMO-POS) covers outpatient hospital services with no coinsurance and a copay ranging from $0 to $360, alongside observation services for a $360 copay per stay and no coinsurance. 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 H6622-014 (HMO-POS) covers partial hospitalization services with a $35.00 copay and no coinsurance. Prior authorization is required to access this benefit.
Ambulance and Transportation Services See details
Humana Gold Plus H6622-014 (HMO-POS) covers ground and air ambulance services with a $335 copay and no coinsurance. Transportation services are partially covered with no copay or coinsurance, offering up to 24 one-way trips per year to plan-approved health-related locations, while transportation to any health-related location is not covered.
Emergency Services See details
Humana Gold Plus H6622-014 (HMO-POS) covers emergency services with a $150 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services require a $65 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with a $150 copay and no coinsurance.
Primary Care See details
Humana Gold Plus H6622-014 (HMO-POS) primary care benefits feature no copay and no coinsurance for primary care doctor visits, while specialist services require a $35 copay and no coinsurance. Other covered benefits like physical therapy, telehealth, and mental health services have copays ranging from $0 to $55 and no coinsurance, though podiatry and routine chiropractic services are not covered.
Preventive Services See details
Preventive services are partially covered by Humana Gold Plus H6622-014 (HMO-POS) with no copay and no coinsurance for covered services such as annual physical exams, kidney disease education, and select supplemental benefits like fitness programs and chemotherapy wigs. However, several supplemental services are not covered, including health education, in-home safety assessments, personal emergency response systems, and weight management programs.
Hearing Services See details
Humana Gold Plus H6622-014 (HMO-POS) covers hearing services, offering Medicare-covered exams for a $35 copay and no coinsurance, and routine exams and evaluations with no copay or coinsurance. Prescription hearing aids are partially covered—with inner ear, outer ear, and over-the-ear types not covered—requiring copays between $399 and $999 and no coinsurance, while over-the-counter hearing aids are covered with no copay or coinsurance.
Vision Services See details
Vision services under the Humana Gold Plus H6622-014 (HMO-POS) plan are partially covered, offering routine eye exams and eyewear—including contact lenses and eyeglasses up to a $400 yearly limit—with no copay, no coinsurance, and no deductible. Other eye exam services, separate eyeglass lenses or frames, and upgrades are not covered under this benefit.
Dental Services See details
Humana Gold Plus H6622-014 (HMO-POS) partially covers dental services, providing up to a $3,500 annual limit for most preventive and comprehensive services with no copay and no coinsurance, while Medicare-covered dental services require a $35 copay and no coinsurance. Fluoride treatments, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Humana Gold Plus H6622-014 (HMO-POS) covers home infusion bundled services with no copay, though prior authorization is required. Medicare Part B chemotherapy, radiation, and other Part B drugs are covered with no copay and no coinsurance to 20% coinsurance, while Part B insulin is covered with a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the Humana Gold Plus H6622-014 (HMO-POS) plan with no copay and a 20% coinsurance, although prior authorization is required.
Medical Equipment See details
Medical equipment is covered by Humana Gold Plus H6622-014 (HMO-POS), with durable medical equipment and prosthetics requiring a 20% coinsurance and no copayment. Diabetic supplies feature a 10% to 20% coinsurance with no copayment, while diabetic therapeutic shoes and inserts require a $10 copayment.
Diagnostic and Radiological Services See details
Humana Gold Plus H6622-014 (HMO-POS) covers diagnostic and radiological services, requiring prior authorization for these benefits. Diagnostic services feature no coinsurance, with no copay for lab services and a $0 to $105 copay for diagnostic procedures, while radiological services range from no copay for outpatient x-rays to a minimum $35 copay and 20% coinsurance for therapeutic radiology.
Home Health Services See details
Humana Gold Plus H6622-014 (HMO-POS) covers home health services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Humana Gold Plus H6622-014 (HMO-POS) covers Cardiac Rehabilitation Services with no coinsurance, though prior authorization is required and some services are covered while others are not. Specifically, cardiac and intensive cardiac rehabilitation services are not covered in practice (carrying a $15 copay), and pulmonary rehabilitation and supervised exercise therapy (SET) for PAD services are also not covered (carrying a $10 copay).
Skilled Nursing Facility (SNF) See details
Humana Gold Plus H6622-014 (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization but no prior three-day inpatient hospital stay. Patients pay a $20 daily copayment for days 1 through 20 and a $218 daily copayment for days 21 through 100, with no coverage provided for additional days beyond the standard Medicare benefit.
Other Services See details
Humana Gold Plus H6622-014 (HMO-POS) covers acupuncture with a $35 copay and no coinsurance for up to 20 treatments per year. Over-the-counter items and limited meal benefits are also covered with no copay and no coinsurance, though prior authorization is required for acupuncture and meals.
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