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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.
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 $5250.00 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) Medicare plan features an annual prescription drug deductible of $250. For Tier 1 preferred generic and Tier 2 generic drugs, members enjoy no copay for one-month and three-month fills at standard pharmacies or through preferred mail order. If you choose standard mail order, Tier 1 drugs require a copay of up to $30, while Tier 2 drugs carry a copay of up to $60 depending on the supply. For Tier 3 preferred brand drugs, there is a $47 copay for a one-month supply, with three-month supplies costing $131 via preferred mail order and $141 through other options. Tier 4 non-preferred drugs require a 50% coinsurance across all standard pharmacy and mail order services. Specialty drugs in Tier 5 carry a 30% coinsurance for a one-month supply.
Additional Benefits
The Humana Gold Plus H6622-021 (HMO-POS) plan offers comprehensive medical coverage featuring no coinsurance for most routine services and no deductible. Members benefit from no copay for primary care visits and preventive services, while specialist visits require a $35 copay and emergency room care has a $130 copay. Inpatient hospital stays require a daily copay of $460 for the first few days with no copay for subsequent days, and home health services are covered with no copay. This plan also provides generous supplemental benefits, including no copay or coinsurance for routine vision exams, up to $400 yearly for eyewear, and preventive dental care up to a $2,500 annual limit. Routine hearing exams and over-the-counter hearing aids also carry no copay, while durable medical equipment requires a 20% coinsurance. Additionally, the plan covers up to 24 one-way transportation trips per year to approved health locations with no copay.
Inpatient Hospital See details
Humana Gold Plus H6622-021 (HMO-POS) covers inpatient hospital care with no coinsurance, requiring a $460 daily copay for days 1 to 5 of acute stays (no copay for days 6 and beyond) and a $460 daily copay for days 1 to 4 of psychiatric stays (no copay for days 5 to 90). Prior authorization is required, and certain sub-services such 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, though prior authorization is required for most services. There is no copay for ambulatory surgical center and blood services, a $35 copay for outpatient substance abuse sessions, and copays ranging from $0 to $350 for outpatient hospital services, or $460 per stay for observation services.
Partial Hospitalization See details
Partial hospitalization is covered under the Humana Gold Plus H6622-021 (HMO-POS) plan with a $35.00 copay and no coinsurance. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
Humana Gold Plus H6622-021 (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, providing up to 24 one-way trips per year to plan-approved locations, while trips to any other health-related locations are 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) covers primary care physician services with no copay and no coinsurance, while specialist visits carry a $35 copay and no coinsurance. Physical, occupational, and speech therapy require a $10 to $40 copay with no coinsurance, whereas chiropractic and podiatry services are not covered.
Preventive Services See details
Humana Gold Plus H6622-021 (HMO-POS) covers preventive services with no copay and no coinsurance, including annual physicals, kidney disease education, and select screenings. Additional supplemental benefits are partially covered with no copay or coinsurance, though health education, personal emergency response systems (PERS), in-home safety assessments, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, disease management, telemonitoring, remote access, home safety modifications, and counseling are not covered.
Hearing Services See details
Humana Gold Plus H6622-021 (HMO-POS) hearing services are partially covered, featuring no copay and no coinsurance for routine exams, fitting evaluations, and OTC hearing aids, while Medicare-covered exams require a $35 copay and no coinsurance. Prescription hearing aids are covered with a copay ranging from $399 to $999 and no coinsurance, though inner ear, outer ear, and over the ear prescription hearing aids are not covered.
Vision Services See details
Humana Gold Plus H6622-021 (HMO-POS) partially covers vision services with no copay, no coinsurance, and no deductible for covered routine exams and eyewear. Under this plan, you receive one routine eye exam and up to $400 yearly for contact lenses or eyeglasses, but other eye exams, separate eyeglass lenses, separate eyeglass frames, and upgrades are not covered.
Dental Services See details
Humana Gold Plus H6622-021 (HMO-POS) dental services are partially covered, offering no copay and no coinsurance for most preventive and comprehensive care up to a $2,500 annual maximum, while Medicare-covered dental has a $35 copay and no coinsurance. Fluoride treatment, removable prosthodontics, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Humana Gold Plus H6622-021 (HMO-POS) covers home infusion bundled services with no copay, though prior authorization is required. Medicare Part B chemotherapy, radiation, and insulin drugs carry a coinsurance ranging from no coinsurance to 20%, with insulin also requiring a $35 copay.
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 medical equipment, including 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 by Humana Gold Plus H6622-021 (HMO-POS), featuring no copay and no coinsurance for lab services, and no copay for diagnostic radiology. Outpatient diagnostic tests carry a $0 to $110 copay with no coinsurance, while therapeutic radiological services require a $35 copay and 20% coinsurance.
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
Cardiac Rehabilitation Services under Humana Gold Plus H6622-021 (HMO-POS) require prior authorization and feature no coinsurance, but only some services are covered. Specifically, cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered and carry a $10 copay.
Skilled Nursing Facility (SNF) See details
Humana Gold Plus H6622-021 (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance, featuring a $10 daily copay for days 1 to 20 and a $218 daily copay for days 21 to 100. Prior authorization is required, though a prior three-day hospital stay is not, and additional days beyond the standard 100 days are not covered.
Other Services See details
Other services covered by the Humana Gold Plus H6622-021 (HMO-POS) plan include acupuncture with a $35 copay and no coinsurance, limited to 20 treatments per year. Over-the-counter items and chronic illness meal benefits are also covered with no copay and no coinsurance, though certain other supplemental services are not covered.
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