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Humana Gold Plus Giveback H6622-082 (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Humana Gold Plus Giveback H6622-082 (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 Giveback H6622-082 (HMO) in 2026, please refer to our full plan details page.
Humana Gold Plus Giveback H6622-082 (HMO) is a HMO plan offered by Humana Inc. available for enrollment in 2025 to people living in Clark and Nye Counties. This plan received an overall rating of 3.5 out of 5 stars in 2026.
It's important to know that Humana Gold Plus Giveback H6622-082 (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 Giveback H6622-082 (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 Giveback H6622-082 (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 $104.00. 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 no drug deductible. Your prescription medication coverage will start immediately.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $3900.00 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 Giveback H6622-082 (HMO) prescription drug plan features a $0 drug deductible, meaning your coverage starts right away without any out-of-pocket deductible costs. For Tier 1 preferred generic and Tier 2 generic medications, you will pay no copay when using a standard pharmacy or preferred mail order for both one-month and three-month supplies. Standard mail order for these lower-tier drugs is available with copays ranging from $10 to $20 for a one-month supply. Tier 3 preferred brand drugs have a $30 copay for a one-month supply at standard pharmacies and through preferred mail order, while standard mail order copays are $47. For higher-tier prescriptions, Tier 4 non-preferred drugs require a 35% coinsurance, and Tier 5 specialty drugs require a 33% coinsurance across standard pharmacies and mail order services. This plan offers a clear cost structure to help you estimate your annual medication expenses.
Additional Benefits
The Humana Gold Plus Giveback H6622-082 (HMO) plan offers comprehensive medical coverage featuring no copay and no coinsurance for primary care visits, home health services, and preventive care. For inpatient hospital stays, members pay a $295 copay for days 1 through 5, followed by no copay for days 6 through 90. Specialist visits require a $25 copay, while emergency room services are covered with a $150 copay and no coinsurance. Supplemental benefits are a key feature of this plan, offering dental care up to a $1,500 annual limit and vision services with a $250 annual allowance for eyewear, both with no copays or coinsurance. Routine hearing exams and over-the-counter hearing aids are also covered with no copay, while prescription hearing aids require a copay between $499 and $799. Additionally, diagnostic lab tests, outpatient X-rays, and over-the-counter items are available with no copay.
Inpatient Hospital See details
Humana Gold Plus Giveback H6622-082 (HMO) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $295 copay for days 1 through 5 and no copay for days 6 through 90. This partially covered benefit includes unlimited additional acute care days with no copay, but excludes upgrades, non-Medicare-covered stays, and additional psychiatric days.
Outpatient Services See details
Humana Gold Plus Giveback H6622-082 (HMO) covers outpatient hospital services with no coinsurance and a copay ranging from $0 to $295, while observation services require a $295 copay per stay. Ambulatory surgical center and outpatient blood services are covered with no copay and no coinsurance, and outpatient substance abuse sessions have a $25 to $35 copay with no coinsurance.
Partial Hospitalization See details
Humana Gold Plus Giveback H6622-082 (HMO) covers partial hospitalization services with a $35.00 copay and no coinsurance. Prior authorization is required to receive this covered benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered by Humana Gold Plus Giveback H6622-082 (HMO), as transportation services to health-related locations are not covered. Medicare-covered ground ambulance services require a $335 copay and air ambulance services require a $630 copay, both with no coinsurance and requiring prior authorization.
Emergency Services See details
Emergency services are covered by Humana Gold Plus Giveback H6622-082 (HMO) with a $150 copay and no coinsurance, while urgently needed services require a $65 copay and no coinsurance. Worldwide emergency, urgent, and transportation services are also covered with a $150 copay and no coinsurance.
Primary Care See details
Humana Gold Plus Giveback H6622-082 (HMO) offers primary care physician services with no copay and no coinsurance, while specialist, therapy, and mental health services require a $25 copay and no coinsurance. Telehealth benefits are also available with a $0 to $65 copay and no coinsurance, though routine chiropractic care is not covered.
Preventive Services See details
Humana Gold Plus Giveback H6622-082 (HMO) covers preventive services, including annual physical exams and kidney disease education, with no copay and no coinsurance. However, additional preventive services are only partially covered, with memory fitness covered, but health education, weight management, counseling, in-home safety assessments, and personal emergency response systems not covered.
Hearing Services See details
Hearing Services under Humana Gold Plus Giveback H6622-082 (HMO) include Medicare-covered exams for a $25 copay and no coinsurance, while routine exams, fitting evaluations, and OTC hearing aids are offered with no copay and no coinsurance. Prescription hearing aids are partially covered with no coinsurance and a copay of $499 to $799 for up to two devices per year, but inner ear, outer ear, and over the ear hearing aids are not covered.
Vision Services See details
Humana Gold Plus Giveback H6622-082 (HMO) features partially covered vision services with no deductibles, no coinsurance, and no copays for covered benefits. Covered services include one routine eye exam per year and up to $250 annually for one pair of contact lenses or eyeglasses (lenses and frames), while other eye exams, individual eyeglass lenses, individual frames, and upgrades are not covered.
Dental Services See details
Dental services are partially covered by Humana Gold Plus Giveback H6622-082 (HMO), offering up to a $1,500 annual limit with no copay and no coinsurance for most preventive and comprehensive care, though Medicare-covered services require a $25 copay and no coinsurance, and prosthodontics require no copay and 30% coinsurance. Fluoride treatments, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by Humana Gold Plus Giveback H6622-082 (HMO) with no copay, though prior authorization and step therapy are required. Under this benefit, Medicare Part B chemotherapy, radiation, and other drugs have no copay and a coinsurance of no coinsurance to 20%, while Part B insulin requires a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Humana Gold Plus Giveback H6622-082 (HMO) covers dialysis services with no copay and a 20% coinsurance. Prior authorization and a referral are required to receive these covered services.
Medical Equipment See details
Humana Gold Plus Giveback H6622-082 (HMO) covers durable medical equipment and prosthetics with 20% coinsurance and no copay. Covered diabetic supplies have a 10% to 20% coinsurance with 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 Giveback H6622-082 (HMO), though referrals and prior authorizations are required. Members pay no copay for lab services or outpatient X-rays, a $0 to $65 copay with no coinsurance for diagnostic procedures, and a 20% coinsurance for therapeutic radiological services.
Home Health Services See details
Home health services are covered by Humana Gold Plus Giveback H6622-082 (HMO) with no copay and no coinsurance. This benefit requires both prior authorization and a referral.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are covered by the Humana Gold Plus Giveback H6622-082 (HMO) plan with no copay and no coinsurance, requiring prior authorization and a referral. While some services are covered, cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for peripheral artery disease (PAD) services are not covered in practice.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by Humana Gold Plus Giveback H6622-082 (HMO) with no coinsurance, requiring a $20 daily copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization and referrals are required, though a prior three-day hospital stay is not necessary, and additional days beyond Medicare-covered limits are not covered.
Other Services See details
Humana Gold Plus Giveback H6622-082 (HMO) offers acupuncture with a $25 copay and no coinsurance for up to 20 treatments per year, while over-the-counter items and chronic illness meal benefits 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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