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Humana Gold Plus H6622-032 (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Humana Gold Plus H6622-032 (HMO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Humana Gold Plus H6622-032 (HMO) in 2026, please refer to our full plan details page.
Humana Gold Plus H6622-032 (HMO) is a HMO plan offered by Humana Inc. available for enrollment in 2025 to people living in Oklahoma City Metro. This plan received an overall rating of 3.5 out of 5 stars in 2026.
It's important to know that Humana Gold Plus H6622-032 (HMO) 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 H6622-032 (HMO).
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 H6622-032 (HMO), 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 $2.00. 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 $615.00 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 $4205.00 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 H6622-032 (HMO) plan features an annual drug deductible of $615. For Tier 1 preferred generic drugs, members pay no copay for a 1-month or 3-month supply at standard pharmacies or through preferred mail order. Tier 2 generic drugs are also highly affordable, with a $5 copay for a 1-month supply at standard pharmacies and preferred mail order, or no copay for a 3-month supply when using preferred mail order. Tier 3 preferred brand drugs carry a $47 copay for a 1-month supply, or $131 for a 3-month supply via preferred mail order. For higher-tier medications, Tier 4 non-preferred drugs require a 50% coinsurance across standard pharmacies and mail order services. Lastly, Tier 5 specialty drugs incur a 25% coinsurance for a 1-month supply across all pharmacy options.
Additional Benefits
The Humana Gold Plus H6622-032 (HMO) plan offers comprehensive medical coverage with no copay and no coinsurance for primary care doctor visits, preventive services, and home health care. For inpatient hospital stays, members pay a $290 daily copay for the first seven days and no copay for additional days, while emergency room visits require a $130 copay. Specialist visits have a $30 copay, and outpatient hospital services range from no copay up to a $265 copay with no coinsurance. Members also benefit from routine dental, vision, and hearing services with no copay, including up to a $1,000 annual limit for dental care and a $250 allowance for eyewear. Skilled nursing facility stays require a $10 daily copay for days 1 through 20 and $218 daily for days 21 through 100 with no coinsurance. Additionally, durable medical equipment is covered with a 20% coinsurance and no copay, while over-the-counter items and chronic illness meal benefits are available with no copay.
Inpatient Hospital See details
Humana Gold Plus H6622-032 (HMO) partially covers inpatient hospital services with no coinsurance, requiring a $290 daily copay for days 1 through 7 and no copay for days 8 and beyond for covered stays. Prior authorization is required, and upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Humana Gold Plus H6622-032 (HMO) covers outpatient services with no coinsurance, featuring no copay for ambulatory surgical center and blood services, and a $290 copay per stay for observation services. Outpatient hospital services have a copay of $0 to $265, while individual and group outpatient substance abuse sessions require a $30 to $35 copay.
Partial Hospitalization See details
Humana Gold Plus H6622-032 (HMO) 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
Ambulance and transportation services are partially covered by Humana Gold Plus H6622-032 (HMO), with Medicare-covered ground and air ambulance services requiring prior authorization, a $335 copay, and no coinsurance. Transportation services to plan-approved or any other health-related locations are not covered under this plan.
Emergency Services See details
Humana Gold Plus H6622-032 (HMO) 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 H6622-032 (HMO) provides primary care physician services and select telehealth benefits with no copay and no coinsurance. Specialist visits require a $30 copay, therapy services require a $35 copay, and mental health services require a $30 copay, all with no coinsurance, while podiatry and chiropractic services are not covered.
Preventive Services See details
Humana Gold Plus H6622-032 (HMO) offers preventive services, including annual physicals, kidney disease education, and diabetes self-management training, with no copay and no coinsurance. Additional preventive benefits are partially covered, featuring a memory fitness program with no copay and no coinsurance, while services such as health education, in-home safety assessments, and personal emergency response systems are not covered.
Hearing Services See details
Humana Gold Plus H6622-032 (HMO) hearing services are covered with no coinsurance, featuring Medicare-covered exams for a $30 copay, and routine exams, fitting evaluations, and OTC hearing aids with no copay. Prescription hearing aids are partially covered with a $699 to $999 copay for up to two devices annually, but inner ear, outer ear, and over the ear models are not covered.
Vision Services See details
Vision services are partially covered by Humana Gold Plus H6622-032 (HMO) with no coinsurance, though prior authorization is required. Routine eye exams and eyewear (contact lenses or eyeglasses) are covered with no copay up to a $250 annual combined maximum, while other eye exams, individual eyeglass lenses, frames, and upgrades are not covered.
Dental Services See details
Humana Gold Plus H6622-032 (HMO) partially covers dental services, featuring Medicare-covered dental with a $30 copay and no coinsurance, and other covered dental benefits with no copay and no coinsurance up to a $1,000 annual limit. While preventive, restorative, and surgical services are covered, fluoride treatment, implants, orthodontics, and removable prosthodontics are not covered.
Home Infusion bundled Services See details
Humana Gold Plus H6622-032 (HMO) covers Home Infusion bundled Services with no copay, though prior authorization is required. Covered Medicare Part B chemotherapy, radiation, and other Part B drugs have no copay and range from 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 H6622-032 (HMO) plan with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
Humana Gold Plus H6622-032 (HMO) covers medical equipment, including durable medical equipment (DME) and prosthetics, with a 20% coinsurance and no copay. Diabetic supplies are covered with a 10% to 20% coinsurance and no copay, while diabetic shoes and inserts require a $10 copay and no coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under the Humana Gold Plus H6622-032 (HMO) plan, requiring prior authorization. There is no copay for lab services, outpatient x-rays, and diagnostic radiological services, though coinsurance applies to x-rays and lab services; diagnostic procedures carry a $0 to $80 copay with 20% coinsurance, and therapeutic radiology requires a minimum $30 copay and 20% coinsurance.
Home Health Services See details
Home health services are covered by the Humana Gold Plus H6622-032 (HMO) plan with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by Humana Gold Plus H6622-032 (HMO) with no copay, no coinsurance, and prior authorization required, though some services are covered while cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
Humana Gold Plus H6622-032 (HMO) 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 additional days beyond the standard Medicare-covered 100 days are not covered.
Other Services See details
Humana Gold Plus H6622-032 (HMO) covers acupuncture with a $30 copay and no coinsurance for up to 20 treatments per year, while over-the-counter (OTC) items and meal benefits for chronic illnesses are covered with no copay and no coinsurance. Prior authorization is required for acupuncture and meal benefits, and other miscellaneous services are not covered.
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