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Humana Gold Plus H8908-001 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Humana Gold Plus H8908-001 (HMO-POS). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Humana Gold Plus H8908-001 (HMO-POS) in 2026, please refer to our full plan details page.
Humana Gold Plus H8908-001 (HMO-POS) is a HMO-POS plan offered by Humana Inc. available for enrollment in 2025 to people living in Detroit Metro Area. This plan received an overall rating of 3 out of 5 stars in 2026.
It's important to know that Humana Gold Plus H8908-001 (HMO-POS) 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 H8908-001 (HMO-POS).
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 H8908-001 (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $35.00. 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 $200.00 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 $3950.00 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 H8908-001 (HMO-POS) plan has an annual prescription drug deductible of $200. Tier 1 preferred generic drugs feature no copay for a 1-month or 3-month supply when using standard pharmacies or preferred mail order. For Tier 2 generic drugs, you will pay a $5 copay for a 1-month supply at standard pharmacies or via preferred mail order, and there is no copay for a 3-month supply filled through preferred mail order. Tier 3 preferred brand drugs require a $47 copay for a 1-month supply, which can be reduced to a $131 copay for a 3-month supply when using preferred mail order. Tier 4 non-preferred drugs require a 50% coinsurance for both 1-month and 3-month supplies across standard pharmacies and mail order services. Lastly, Tier 5 specialty drugs require a 30% coinsurance for a 1-month supply.
Additional Benefits
The Humana Gold Plus H8908-001 (HMO-POS) plan offers comprehensive medical coverage featuring no copay for primary care visits and a $60 copay for specialists. If you require hospital services, inpatient stays have a $350 daily copay for the first seven days, while outpatient hospital services range from no copay up to a $350 copay. Emergency room visits carry a $140 copay, which is waived if you are admitted, and urgent care is available for a $65 copay. This plan also includes essential supplemental benefits, such as preventive dental care with no copay up to a $1,500 annual limit, and routine vision and hearing exams with no copay. Additionally, members can access up to 24 one-way transportation trips per year to approved locations with no copay, while durable medical equipment generally requires a 20% coinsurance.
Inpatient Hospital See details
Humana Gold Plus H8908-001 (HMO-POS) covers inpatient acute hospital stays with no coinsurance, requiring a $350 daily copay for days 1 to 7 and no copay for additional days. Inpatient psychiatric care is partially covered with no coinsurance and a $350 daily copay for days 1 to 6, but upgrades, non-Medicare-covered stays, and additional psychiatric days beyond day 90 are not covered.
Outpatient Services See details
Humana Gold Plus H8908-001 (HMO-POS) covers outpatient services with no coinsurance, featuring a $0 to $350 copay for outpatient hospital and observation services and a $35 copay for outpatient substance abuse sessions. Ambulatory surgical center and outpatient blood services are covered with no copay and no coinsurance, though prior authorization is required for most outpatient benefits.
Partial Hospitalization See details
Partial hospitalization is covered under the Humana Gold Plus H8908-001 (HMO-POS) plan with a $35.00 copay and no coinsurance, though prior authorization is required.
Ambulance and Transportation Services See details
Humana Gold Plus H8908-001 (HMO-POS) covers ground and air ambulance services with a $315 copay and no coinsurance. Transportation services are partially covered, providing up to 24 one-way trips per year to plan-approved health-related locations with no copay and no coinsurance, though trips to any health-related location are not covered.
Emergency Services See details
Humana Gold Plus H8908-001 (HMO-POS) covers emergency services with a $140 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services are covered with a $65 copay and no coinsurance, while worldwide emergency, urgent care, and emergency transportation services are available with a $140 copay and no coinsurance.
Primary Care See details
Humana Gold Plus H8908-001 (HMO-POS) offers primary care physician visits with no copay and no coinsurance, alongside specialist visits for a $60 copay and no coinsurance. Physical, occupational, and speech therapies require a $45 copay, mental health services have a $35 copay, and telehealth ranges from no copay to a $65 copay—all with no coinsurance—while podiatry and chiropractic services are not covered.
Preventive Services See details
Humana Gold Plus H8908-001 (HMO-POS) offers partially covered preventive services with no copay and no coinsurance for annual physical exams, kidney disease education, glaucoma screenings, diabetes training, and memory fitness. Supplemental services that are not covered include health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, home-based palliative care, in-home support, caregiver support, additional smoking cessation counseling, enhanced disease management, telemonitoring, remote access technologies, home safety modifications, and counseling.
Hearing Services See details
Hearing services are partially covered by Humana Gold Plus H8908-001 (HMO-POS), featuring Medicare-covered exams for a $60 copay and no coinsurance, and routine exams and fitting evaluations with no copay or coinsurance. Prescription hearing aids are covered with a copay between $399 and $999 and no coinsurance, but over-the-counter (OTC) hearing aids and inner ear, outer ear, and over the ear prescription models are not covered.
Vision Services See details
Humana Gold Plus H8908-001 (HMO-POS) partially covers vision services with no copays, no coinsurance, and no deductibles, including one routine eye exam and one pair of eyeglasses or contact lenses per year up to a $150 maximum. Other eye exam services, individual eyeglass lenses, individual frames, and upgrades are not covered.
Dental Services See details
Humana Gold Plus H8908-001 (HMO-POS) provides partially covered dental services up to a $1,500 annual limit, featuring a $60 copay and no coinsurance for Medicare-covered dental, and no copay and no coinsurance for preventive care. Covered comprehensive services require no copay and either no coinsurance or 30% to 40% coinsurance, though fluoride treatments, implants, orthodontics, maxillofacial prosthetics, and removable prosthodontics are not covered.
Home Infusion bundled Services See details
Humana Gold Plus H8908-001 (HMO-POS) covers home infusion bundled services with no copay, though prior authorization is required. Under this benefit, Medicare Part B chemotherapy, radiation, and other drugs have no copay and no coinsurance to 20% coinsurance, while Part B insulin requires a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Humana Gold Plus H8908-001 (HMO-POS) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required for these covered services.
Medical Equipment See details
Humana Gold Plus H8908-001 (HMO-POS) covers medical equipment, including durable medical equipment, prosthetics, and diabetic equipment, with no copays for covered services. Beneficiaries are responsible for a 20% coinsurance for durable medical equipment, prosthetics, and medical supplies, and a 10% to 20% coinsurance for diabetic supplies.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by Humana Gold Plus H8908-001 (HMO-POS) with prior authorization required. Diagnostic tests and procedures carry a $0 to $95 copay with no coinsurance, lab services feature no copay and no coinsurance, and therapeutic radiological services require a copay and a minimum 20% coinsurance.
Home Health Services See details
Home health services are covered under the Humana Gold Plus H8908-001 (HMO-POS) plan with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered under the Humana Gold Plus H8908-001 (HMO-POS) plan with no copay and no coinsurance, though only some services are covered in practice as cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
Humana Gold Plus H8908-001 (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring a $20 daily copay for days 1 to 20 and a $214 daily copay for days 21 to 100. Prior authorization is required, and while a prior three-day inpatient hospital stay is not needed, additional days beyond the standard Medicare-covered 100 days are not covered.
Other Services See details
Humana Gold Plus H8908-001 (HMO-POS) provides partial coverage for other services, offering acupuncture for a $60 copay and no coinsurance for up to 20 treatments per year, and chronic illness meal benefits with no copay and no coinsurance, both requiring prior authorization. Over-the-counter (OTC) items are not covered under this plan.
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