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Humana Gold Plus H6622-047 (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Humana Gold Plus H6622-047 (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 H6622-047 (HMO) in 2026, please refer to our full plan details page.
Humana Gold Plus H6622-047 (HMO) is a HMO plan offered by Humana Inc. available for enrollment in 2025 to people living in Central and Northwest Mississippi. This plan received an overall rating of 3.5 out of 5 stars in 2026.
It's important to know that Humana Gold Plus H6622-047 (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 H6622-047 (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 H6622-047 (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 $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 $590.00 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 $5700.00 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 H6622-047 (HMO) plan features an annual prescription drug deductible of $590. For Tier 1 preferred generic drugs, you will pay no copay for a 1-month or 3-month supply at standard pharmacies and through preferred mail order. Tier 2 generic drugs cost $5 for a 1-month supply, but you can avoid a copay entirely by choosing a 3-month supply through preferred mail order. Tier 3 preferred brand drugs require a $47 copay for a 1-month supply, with 3-month supplies costing $131 through preferred mail order or $141 at standard pharmacies. Higher-tier medications require coinsurance instead of copays, with Tier 4 non-preferred drugs carrying a 36% coinsurance and Tier 5 specialty drugs requiring a 26% coinsurance.
Additional Benefits
Humana Gold Plus H6622-047 (HMO) offers comprehensive medical coverage featuring no copays for primary care visits, annual physical exams, and home health services. For specialist visits, patients pay a $30 copay, while emergency care carries a $130 copay and urgent care requires a $50 copay. Inpatient hospital stays require a $295 daily copay for the first seven days, followed by no copay for days eight through 90, all with no coinsurance. This plan also includes key supplemental benefits, such as routine dental and vision services with no copays, alongside a $2,500 annual limit for covered dental care. Routine hearing exams have no copay, while prescription hearing aids require copays ranging from $399 to $699. Additionally, durable medical equipment and dialysis services are covered with no copay and a 20% coinsurance.
Inpatient Hospital See details
Humana Gold Plus H6622-047 (HMO) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $295 daily copay for days 1 to 7 and no copay for days 8 to 90. This benefit is partially covered because upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Humana Gold Plus H6622-047 (HMO) covers outpatient services with no coinsurance, featuring a $0 to $340 copay for outpatient hospital services and a $295 copay per stay for observation services. Ambulatory surgical center and outpatient blood services require no copay and no coinsurance, while outpatient substance abuse sessions have a $35 copay and no coinsurance.
Partial Hospitalization See details
Humana Gold Plus H6622-047 (HMO) covers partial hospitalization services with a $35.00 copay and no coinsurance. Prior authorization is required for these covered services.
Ambulance and Transportation Services See details
Humana Gold Plus H6622-047 (HMO) covers ground ambulance services with a $335 copay and no coinsurance, and air ambulance services with a 20% coinsurance and no copay, with prior authorization required. Routine transportation services to health-related locations are not covered under this plan.
Emergency Services See details
Humana Gold Plus H6622-047 (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 with 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 H6622-047 (HMO) features primary care physician visits with no copay and no coinsurance, and specialist visits with a $30 copay and no coinsurance. Other covered services like mental health, psychiatric, and physical therapies require copays ranging from $25 to $35 and no coinsurance, while podiatry and routine chiropractic services are not covered.
Preventive Services See details
Humana Gold Plus H6622-047 (HMO) covers preventive services, including annual physical exams, kidney disease education, and diabetes self-management, with no copay and no coinsurance. Additional preventive benefits are partially covered with no copay and no coinsurance under prior authorization, but sub-services such as health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, readmission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, home-based palliative care, caregiver support, smoking cessation, disease management, telemonitoring, remote access, home safety devices, and counseling are not covered.
Hearing Services See details
Hearing services are partially covered by Humana Gold Plus H6622-047 (HMO), offering Medicare-covered exams for a $30 copay and no coinsurance, alongside routine exams and fitting evaluations with no copay and no coinsurance. Prescription hearing aids are available for a $399 to $699 copay and no coinsurance, though OTC hearing aids and inner ear, outer ear, and over-the-ear prescription hearing aids are not covered.
Vision Services See details
Humana Gold Plus H6622-047 (HMO) vision services are partially covered with no deductible, no coinsurance, and copays ranging from $0 to $30. While routine eye exams, contact lenses, and eyeglasses (lenses and frames) are covered with no copay up to a $250 annual limit, other eye exam services, eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
Humana Gold Plus H6622-047 (HMO) features partially covered dental services with a $2,500 annual limit, offering no copay or coinsurance for preventive care, cleanings, endodontics, periodontics, and oral surgery. Medicare-covered dental services require a $30 copay and no coinsurance, while restorative and prosthodontic services have no copay and a 30% to 40% coinsurance. Fluoride, implants, orthodontics, and maxillofacial prosthetics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by Humana Gold Plus H6622-047 (HMO) with no copay, though prior authorization is required. Covered Medicare Part B insulin drugs require a $35 copay and 0% to 20% coinsurance, while chemotherapy and other Part B drugs carry a coinsurance ranging from 0% to 20%.
Dialysis Services See details
Dialysis services are covered by Humana Gold Plus H6622-047 (HMO) with no copay and a 20% coinsurance. Prior authorization is required for this benefit.
Medical Equipment See details
Humana Gold Plus H6622-047 (HMO) covers medical equipment, including durable medical equipment (DME), prosthetics, and medical supplies, with no copay and a 20% coinsurance. Diabetic supplies are covered with no copay and a 10% to 20% coinsurance, while diabetic therapeutic shoes or inserts require a $10 copay.
Diagnostic and Radiological Services See details
Humana Gold Plus H6622-047 (HMO) covers diagnostic and radiological services with prior authorization required. Diagnostic tests have no coinsurance and a copay of $0 to $50, lab and outpatient X-ray services have no copay, and therapeutic radiological services require a minimum $30 copay and 20% coinsurance.
Home Health Services See details
Humana Gold Plus H6622-047 (HMO) covers Home Health Services with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Humana Gold Plus H6622-047 (HMO) offers Cardiac Rehabilitation Services with no coinsurance and prior authorization required, but only some services are covered. Standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered and require a $15 copay.
Skilled Nursing Facility (SNF) See details
Humana Gold Plus H6622-047 (HMO) partially covers skilled nursing facility (SNF) care with no coinsurance, as additional days beyond the standard 100-day Medicare limit are not covered. Covered days require no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, with prior authorization required and no prior three-day hospital stay needed.
Other Services See details
Humana Gold Plus H6622-047 (HMO) partially covers other services, featuring acupuncture for a $30.00 copay and no coinsurance (up to 20 treatments per year) and a chronic illness meal benefit with no copay and no coinsurance. Prior authorization is required for both covered benefits, while over-the-counter (OTC) items are not covered.
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