Humana Gold Plus SNP-DE H6622-018 (HMO D-SNP)

Humana Gold Plus SNP-DE H6622-018 (HMO D-SNP) is a HMO D-SNP plan offered by Humana Inc. available for enrollment in 2025 to people living in Northern Kentucky 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 SNP-DE H6622-018 (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 H6622-018 (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 H6622-018 (HMO D-SNP) Medicare plan features an annual prescription drug deductible of $615. For Tier 1 preferred generic and Tier 2 generic drugs, members enjoy no copay when filling 1-month or 3-month prescriptions at a standard pharmacy or through preferred mail order. If utilizing standard mail order for these generics, copays range from $10 to $30 for Tier 1 and $20 to $60 for Tier 2. For brand-name and specialty medications, the cost-sharing structure transitions to coinsurance. Tier 3 preferred brand, Tier 4 non-preferred, and Tier 5 specialty drugs all require a 25% coinsurance whether filled at standard pharmacies, preferred mail order, or standard mail order. This consistent coinsurance rate applies to 1-month and 3-month supplies for Tiers 3 and 4, and 1-month supplies for Tier 5.

Additional Benefits

The Humana Gold Plus SNP-DE H6622-018 (HMO D-SNP) offers comprehensive medical coverage with a mix of copays and coinsurance. For hospital care, inpatient acute stays require a $2,230 copay and psychiatric stays require a $2,080 copay, while most outpatient services, doctor visits, and diagnostic tests feature no copay and a 20% coinsurance. Emergency room visits carry a $115 copay, which is waived if admitted, and ambulance services require a $335 copay. This plan also includes valuable supplemental benefits to help lower your healthcare costs. Dental care is covered with no copay and no coinsurance up to a $3,000 annual limit, and routine vision and hearing exams are available with no copays and a 20% coinsurance. Furthermore, you can access home health services, over-the-counter items, and up to 24 one-way transportation trips per year to plan-approved locations with no copay or coinsurance.