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Humana Total Complete H6622-091 (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Humana Total Complete H6622-091 (HMO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Humana Total Complete H6622-091 (HMO) in 2026, please refer to our full plan details page.
Humana Total Complete H6622-091 (HMO) is a HMO plan offered by Humana Inc. available for enrollment in 2025 to people living in Virginia. This plan received an overall rating of 3.5 out of 5 stars in 2026.
It's important to know that Humana Total Complete H6622-091 (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 Total Complete H6622-091 (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 Total Complete H6622-091 (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.
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 $450.00 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 $7900.00 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 Total Complete H6622-091 (HMO) prescription drug plan has an annual drug deductible of $450. For Tier 1 preferred generic and Tier 2 generic drugs, you will pay no copay for one-month and three-month supplies at standard pharmacies or through preferred mail order. Standard mail order options are also available for these generic tiers with copays ranging from $10 to $60 depending on the drug tier and supply length. Tier 3 preferred brand drugs cost a $47 copay for a one-month supply, though you can save on a three-month supply by using preferred mail order for a $131 copay. Higher-tier medications require coinsurance instead of flat copays, with Tier 4 non-preferred drugs requiring a 47% coinsurance and Tier 5 specialty drugs requiring a 27% coinsurance.
Additional Benefits
The Humana Total Complete H6622-091 (HMO) plan offers robust coverage with no copay and no coinsurance for primary care visits, preventive services, and home health care. For inpatient hospital stays, members pay a daily copay of $375 for days one through seven, and no copay for additional days. Outpatient services feature copays ranging from no copay up to $450, while emergency room visits require a $115 copay that is waived if you are admitted. Specialist visits and physical therapy require a $25 copay, and dental, vision, and hearing benefits are partially covered. Routine eye exams, eyewear up to a $300 annual limit, and preventive dental care up to a $3,000 limit all feature no copay and no coinsurance. Durable medical equipment and dialysis services require a 20% coinsurance with no copay, helping you manage your essential healthcare expenses.
Inpatient Hospital See details
Humana Total Complete H6622-091 (HMO) covers inpatient acute hospital stays with no coinsurance and a $375 daily copay for days 1 to 7, and no copay for days 8 and beyond. Inpatient psychiatric hospital stays are also covered with no coinsurance and a $375 daily copay for days 1 to 5, followed by no copay for days 6 to 90, though upgrades, additional psychiatric days, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Outpatient services are covered by Humana Total Complete H6622-091 (HMO) with no coinsurance, featuring a $0 to $450 copay for outpatient hospital services, a $375 copay per stay for observation services, and a $35 copay for substance abuse sessions. Ambulatory surgical center and outpatient blood services are fully covered with no copay, no deductible, and no coinsurance.
Partial Hospitalization See details
Humana Total Complete H6622-091 (HMO) covers partial hospitalization services with a $35.00 copay and no coinsurance. Prior authorization is required to receive coverage for this benefit.
Ambulance and Transportation Services See details
Ambulance services are covered by Humana Total Complete H6622-091 (HMO) with a $335 copay and no coinsurance for both ground and air transport, which require prior authorization. Routine transportation services to health-related locations are not covered under this plan.
Emergency Services See details
Humana Total Complete H6622-091 (HMO) covers emergency services with a $115 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services are available for a $40 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with a $115 copay and no coinsurance.
Primary Care See details
Humana Total Complete H6622-091 (HMO) offers primary care physician services with no copay and no coinsurance, while specialist visits, physical therapy, occupational therapy, and speech therapy require a $25 copay and no coinsurance. Mental health, psychiatric, and opioid treatment services feature a $35 copay with no coinsurance, though chiropractic and podiatry services are not covered.
Preventive Services See details
Humana Total Complete H6622-091 (HMO) covers Medicare-covered preventive services, annual physical exams, kidney disease education, and diabetes self-management training with no copays and no coinsurance. However, additional preventive benefits such as fitness programs, health education, and personal emergency response systems are not covered.
Hearing Services See details
Hearing services are partially covered by Humana Total Complete H6622-091 (HMO) with no deductible, featuring a $25 copay and no coinsurance for Medicare-covered exams, and no copay or coinsurance for routine exams and fittings. Prescription hearing aids have no coinsurance and copays ranging from no copay to $599 (limited to two every three years), but OTC, inner ear, outer ear, and over the ear hearing aids are not covered.
Vision Services See details
Humana Total Complete H6622-091 (HMO) partially covers vision services, offering routine eye exams and eyewear with no deductible, no copay, and no coinsurance, including a $300 yearly limit for contact lenses or eyeglasses. Other eye exam services, separate eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
Dental services are partially covered by Humana Total Complete H6622-091 (HMO), featuring a $25 copay and no coinsurance for Medicare-covered dental, and no copay or coinsurance for other covered preventive and comprehensive services up to a $3,000 annual limit. Fluoride treatments, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Humana Total Complete H6622-091 (HMO) covers home infusion bundled services with no copay and no coinsurance, though prior authorization is required. Medicare Part B chemotherapy, radiation, and other drugs have no copay and a 0% to 20% coinsurance, while Part B insulin drugs require a $35 copay and a 0% to 20% coinsurance.
Dialysis Services See details
Humana Total Complete H6622-091 (HMO) covers dialysis services with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
Humana Total Complete H6622-091 (HMO) covers 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 Total Complete H6622-091 (HMO) with prior authorization, featuring no coinsurance and a copay of $0 to $120 for diagnostic tests, and no copay for lab services. Outpatient X-rays require no copay, while therapeutic radiological services require a minimum 20% coinsurance and a minimum copay of $25.
Home Health Services See details
Humana Total Complete H6622-091 (HMO) covers Home Health Services with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Humana Total Complete H6622-091 (HMO) covers some Cardiac Rehabilitation Services with no copay and no coinsurance, though prior authorization is required. However, several sub-services are not covered, including standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD).
Skilled Nursing Facility (SNF) See details
Humana Total Complete H6622-091 (HMO) covers Skilled Nursing Facility (SNF) care with no coinsurance, requiring prior authorization but no prior three-day inpatient hospital stay. There is no copay for days 1 through 20, followed by a $218 daily copay for days 21 through 100, though additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Humana Total Complete H6622-091 (HMO) partially covers other services, offering acupuncture for a $25 copay and no coinsurance for up to 20 treatments per year, and a meal benefit with no copay and no coinsurance for qualifying medical conditions. Over-the-counter (OTC) items are not covered under this plan.
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