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Humana Gold Plus SNP-DE H6622-048 (HMO D-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Humana Gold Plus SNP-DE H6622-048 (HMO D-SNP). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Humana Gold Plus SNP-DE H6622-048 (HMO D-SNP) in 2026, please refer to our full plan details page.
Humana Gold Plus SNP-DE H6622-048 (HMO D-SNP) is a HMO D-SNP 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 SNP-DE H6622-048 (HMO D-SNP) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Important:
Humana Gold Plus SNP-DE H6622-048 (HMO D-SNP)is a Special Needs Type (SNP) plan. This means you can only enroll in this plan if you meet specific criteria. See our full plan details page for more information.
Key Plan Facts
Below are a few key facts and commonly-asked questions about Humana Gold Plus SNP-DE H6622-048 (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.
For Humana Gold Plus SNP-DE H6622-048 (HMO D-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $16.60. 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 $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 $9250.00 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 SNP-DE H6622-048 (HMO D-SNP) prescription drug plan features an annual drug deductible of $615. For Tier 1 preferred generic and Tier 2 generic medications, members pay no copay when using a standard pharmacy or preferred mail order service for either a one-month or three-month supply. If you choose standard mail order, Tier 1 drugs have a $10 copay for one month and a $30 copay for three months, while Tier 2 drugs require a $20 copay for one month and a $60 copay for three months. For higher-tier medications, the plan transitions to a coinsurance model across all pharmacy and mail-order options. Tier 3 preferred brand, Tier 4 non-preferred drug, and Tier 5 specialty tier prescriptions all require a 25% coinsurance. This 25% coinsurance applies to both one-month and three-month supplies for Tiers 3 and 4, and to one-month supplies for Tier 5 specialty drugs.
Additional Benefits
The Humana Gold Plus SNP-DE H6622-048 (HMO D-SNP) plan provides comprehensive medical coverage with specific cost-sharing requirements for key healthcare services. Inpatient hospital stays require a $2,100 copay for acute care and a $1,900 copay for psychiatric care, while outpatient hospital services carry a $450 copay and 20% coinsurance. Primary care, specialist visits, and dialysis services are available with no copay and a 20% coinsurance. For supplemental care, the plan features no-deductible vision and hearing benefits, including up to $350 for eyewear and $2,000 for dental services with no copay or coinsurance. Preventive care, home health services, and up to 36 one-way transportation trips per year are also covered with no copay and no coinsurance. Durable medical equipment and diagnostic services generally require a 20% coinsurance with no copay.
Inpatient Hospital See details
Inpatient hospital care is covered by Humana Gold Plus SNP-DE H6622-048 (HMO D-SNP) with a $2,100 copay per stay for acute care and a $1,900 copay per stay for psychiatric care, both with no coinsurance. While unlimited additional acute care days are included at no copay, upgrades and non-Medicare-covered stays are not covered.
Outpatient Services See details
Humana Gold Plus SNP-DE H6622-048 (HMO D-SNP) covers outpatient hospital services with a $450 copay and 20% coinsurance, and ambulatory surgical center services with a $350 copay and 20% coinsurance. Outpatient substance abuse and blood services are covered with no copay and 20% coinsurance, with prior authorization required for these outpatient services.
Partial Hospitalization See details
Humana Gold Plus SNP-DE H6622-048 (HMO D-SNP) covers partial hospitalization services with no copay and a 20% coinsurance. Prior authorization is required to receive this benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered under the Humana Gold Plus SNP-DE H6622-048 (HMO D-SNP) plan, with ground ambulance services requiring a $335 copay (no coinsurance) and air ambulance services requiring a 20% coinsurance (no copay). Transportation services are partially covered with no copay or coinsurance for up to 36 one-way trips per year to plan-approved locations, though trips to any health-related location are not covered. Prior authorization is required for both ambulance and transportation services.
Emergency Services See details
Humana Gold Plus SNP-DE H6622-048 (HMO D-SNP) covers emergency services with a $115 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services require a 20% coinsurance (up to $40 per visit) and no copay, while worldwide emergency, urgent, and transportation services are covered with a $115 copay and no coinsurance.
Primary Care See details
Humana Gold Plus SNP-DE H6622-048 (HMO D-SNP) covers primary care, specialist, and therapy services with no copay and 20% coinsurance, though prior authorization is often required. Chiropractic services are partially covered under this plan, offering routine care with no copay and 20% coinsurance, while other chiropractic services are not covered.
Preventive Services See details
Humana Gold Plus SNP-DE H6622-048 (HMO D-SNP) offers preventive services with no copay and no coinsurance, covering annual physical exams, kidney disease education, glaucoma screenings, and diabetes training. Additional preventive benefits are partially covered with no copay or coinsurance for fitness, chemotherapy wigs, and in-home support, though services such as health education, weight management, and personal emergency response systems are not covered.
Hearing Services See details
Humana Gold Plus SNP-DE H6622-048 (HMO D-SNP) covers hearing services with no deductible, including routine exams with no copay and 20% coinsurance, and fittings with no copay or coinsurance. Prescription hearing aids are partially covered with no copay or coinsurance, though inner ear, outer ear, and over-the-ear models are not covered. Over-the-counter (OTC) hearing aids are also covered with no copay or coinsurance.
Vision Services See details
Humana Gold Plus SNP-DE H6622-048 (HMO D-SNP) covers vision services with no deductibles, offering one routine eye exam per year with no copay and a 20% coinsurance, while other eye exam services are not covered. Eyewear is covered with no copay and no coinsurance up to a $350 annual maximum, but separate eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
Humana Gold Plus SNP-DE H6622-048 (HMO D-SNP) offers partially covered dental services, featuring Medicare-covered dental care with no copay and 20% coinsurance, and other covered preventive and comprehensive services with no copay or coinsurance up to a $2,000 annual limit. Fluoride treatments, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Humana Gold Plus SNP-DE H6622-048 (HMO D-SNP) covers home infusion bundled services with prior authorization, requiring a 0% to 20% coinsurance for chemotherapy, radiation, and other Part B drugs. Covered Part B insulin has a $35 copay and 0% to 20% coinsurance, while other Part B drugs have no copay and step therapy may apply.
Dialysis Services See details
Dialysis services are covered under the Humana Gold Plus SNP-DE H6622-048 (HMO D-SNP) plan with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
Humana Gold Plus SNP-DE H6622-048 (HMO D-SNP) covers durable medical equipment, prosthetics, medical supplies, and diabetic services with a 20% coinsurance and no copay. Prior authorization is required for these benefits, and diabetic supplies are limited to specified manufacturers.
Diagnostic and Radiological Services See details
Humana Gold Plus SNP-DE H6622-048 (HMO D-SNP) covers diagnostic and radiological services with prior authorization, each subject to a 20% coinsurance. Members pay no copay for lab services and diagnostic procedures, a $50 copay for outpatient X-rays, and a $200 copay for diagnostic radiological services.
Home Health Services See details
Home Health Services are covered by Humana Gold Plus SNP-DE H6622-048 (HMO D-SNP) with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Humana Gold Plus SNP-DE H6622-048 (HMO D-SNP) covers cardiac rehabilitation services with no copay, though prior authorization and a 20% coinsurance are required. This 20% coinsurance applies to intensive cardiac rehabilitation, pulmonary rehabilitation, supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD), and standard cardiac rehabilitation services.
Skilled Nursing Facility (SNF) See details
Humana Gold Plus SNP-DE H6622-048 (HMO D-SNP) covers Skilled Nursing Facility (SNF) care with no coinsurance, requiring no 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 limit are not covered.
Other Services See details
Other services are partially covered by Humana Gold Plus SNP-DE H6622-048 (HMO D-SNP), featuring acupuncture with no copay and 20% coinsurance, alongside over-the-counter items and chronic illness meals with no copay and no coinsurance. Other miscellaneous services and highly integrated services for dual-eligible SNPs are not covered under this plan.
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