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Humana Gold Plus H6622-021 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Humana Gold Plus H6622-021 (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 H6622-021 (HMO-POS) in 2026, please refer to our full plan details page.
Humana Gold Plus H6622-021 (HMO-POS) is a HMO-POS 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 H6622-021 (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 H6622-021 (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 H6622-021 (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. Additionally, this plan comes with a Part B Premium reduction of $1.00. You must continue to pay paying your reduced 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 $6100.00 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 H6622-021 (HMO-POS) prescription drug plan has an annual drug deductible of $250. You will pay no copay for Tier 1 preferred generic and Tier 2 generic drugs when using standard pharmacies or preferred mail-order services. Standard mail-order options are also available for these generic tiers, with copays ranging from $10 to $20 for a one-month supply. For Tier 3 preferred brand drugs, you will pay a $47 copay for a one-month supply, with a slightly discounted $131 copay for a three-month supply through preferred mail order. Higher-tier medications require coinsurance instead of flat copays, with Tier 4 non-preferred drugs carrying a 50% coinsurance and Tier 5 specialty drugs carrying a 30% coinsurance.
Additional Benefits
The Humana Gold Plus H6622-021 (HMO-POS) plan offers comprehensive healthcare coverage with no copay and no coinsurance for primary care doctor visits, routine preventive services, and home health care. Specialist visits require a $45 copay, while inpatient hospital stays incur a $460 daily copay for the first few days with no coinsurance. Emergency care is available with a $130 copay, and the plan includes up to 24 annual one-way transportation trips at no copay. For supplemental care, members benefit from dental coverage up to a $1,000 annual limit and a $400 annual vision allowance for glasses or contacts, both featuring no copays and no coinsurance. Routine hearing exams and fittings also have no copay, though prescription hearing aids require copays ranging from $399 to $999. Durable medical equipment and dialysis services are covered with no copay and a standard 20% coinsurance.
Inpatient Hospital See details
Humana Gold Plus H6622-021 (HMO-POS) covers inpatient hospital services with no coinsurance, requiring a $460 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, as upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Humana Gold Plus H6622-021 (HMO-POS) covers outpatient services with no coinsurance, featuring a $0 to $460 copay for outpatient hospital services and a $460 copay per stay for observation services. Ambulatory surgical center and outpatient blood services have no copay, while outpatient substance abuse individual and group sessions require a $35 copay.
Partial Hospitalization See details
Humana Gold Plus H6622-021 (HMO-POS) covers partial hospitalization services with a $35.00 copay and no coinsurance. Prior authorization is required to access this covered benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered under the Humana Gold Plus H6622-021 (HMO-POS) plan, featuring a $335 copay and no coinsurance for both ground and air emergency transports. The plan also offers up to 24 annual one-way trips to plan-approved health-related locations with no copay and no coinsurance, though transportation to other health-related locations is not covered.
Emergency Services See details
Humana Gold Plus H6622-021 (HMO-POS) covers emergency services 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 and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with a $130 copay and no coinsurance.
Primary Care See details
Humana Gold Plus H6622-021 (HMO-POS) provides primary care physician services with no copay and no coinsurance, while specialist visits require a $45 copay and no coinsurance. Additional covered benefits like physical therapy ($10 to $40 copay), mental health services ($35 copay), and telehealth ($0 to $50 copay) also feature no coinsurance, though podiatry and routine chiropractic services are not covered.
Preventive Services See details
Preventive Services are partially covered under the Humana Gold Plus H6622-021 (HMO-POS) plan, featuring no copays and no coinsurance for covered benefits like annual physical exams, kidney disease education, glaucoma screenings, diabetes self-management, and memory fitness. Excluded sub-services that are not covered include health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, medication reconciliation, readmission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, home-based palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, remote access, home safety modifications, and counseling.
Hearing Services See details
Hearing services are partially covered by Humana Gold Plus H6622-021 (HMO-POS) with no coinsurance, featuring routine exams and fitting evaluations at no copay alongside Medicare-covered exams for a $45 copay. Up to two prescription hearing aids are covered per year with copays ranging from $399 to $999, but over-the-counter (OTC) hearing aids, as well as inner ear, outer ear, and over-the-ear prescription aids, are not covered.
Vision Services See details
Humana Gold Plus H6622-021 (HMO-POS) vision services are partially covered, offering no coinsurance, no deductibles, and copays ranging from $0 to $45. Covered benefits include one routine eye exam and up to $400 annually for one pair of eyeglasses (lenses and frames) or contact lenses with no copay, while other eye exams, individual lenses, individual frames, and upgrades are not covered.
Dental Services See details
Dental services are partially covered by Humana Gold Plus H6622-021 (HMO-POS) up to a $1,000 annual maximum, featuring no copay and no coinsurance for most preventive and comprehensive services, while Medicare-covered dental has a $45 copay and no coinsurance. Sub-services that are not covered under this plan include fluoride treatments, removable prosthodontics, maxillofacial prosthetics, implant services, and orthodontics.
Home Infusion bundled Services See details
Humana Gold Plus H6622-021 (HMO-POS) covers home infusion bundled services with no copay, though prior authorization and step therapy may be required. Associated Medicare Part B chemotherapy, radiation, and other drugs carry no copay and a coinsurance ranging from no coinsurance to 20%, while Part B insulin is covered with a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Humana Gold Plus H6622-021 (HMO-POS) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
Humana Gold Plus H6622-021 (HMO-POS) covers durable medical equipment, prosthetics, and medical supplies with a 20% coinsurance and no copay. 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
Diagnostic and radiological services are covered under Humana Gold Plus H6622-021 (HMO-POS), featuring no copay for lab services and outpatient X-rays, and a $0 to $105 copay for diagnostic tests with no coinsurance. Diagnostic radiological services have a $0 minimum copay, while therapeutic radiological services require a minimum 20% coinsurance and a $45 copay.
Home Health Services See details
Home Health Services are covered under the Humana Gold Plus H6622-021 (HMO-POS) plan with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Humana Gold Plus H6622-021 (HMO-POS) covers some cardiac and pulmonary rehabilitation services with a $10 copay, no coinsurance, and prior authorization requirements. However, cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered.
Skilled Nursing Facility (SNF) See details
Humana Gold Plus H6622-021 (HMO-POS) covers skilled nursing facility (SNF) services with no coinsurance, requiring a $10 daily copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, and while a prior three-day inpatient hospital stay is not required for admission, additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Humana Gold Plus H6622-021 (HMO-POS) partially covers other services, offering acupuncture for a $45 copay and no coinsurance up to 20 treatments per year, and chronic illness meal benefits with no copay and no coinsurance. Over-the-Counter (OTC) items are not covered under this plan, and prior authorization is required for the covered acupuncture and meal benefits.
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