A non-government entity
Humana Gold Plus H8908-004 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Humana Gold Plus H8908-004 (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 H8908-004 (HMO-POS) in 2026, please refer to our full plan details page.
Humana Gold Plus H8908-004 (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 H8908-004 (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 H8908-004 (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 H8908-004 (HMO-POS), 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 $3.00. 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 $250.00 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 $4250.00 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:
Sign up for Humana Gold Plus H8908-004 (HMO-POS)
Need help deciding? Talk with one of our licensed insurance specialists 1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
Drug Coverage
The Humana Gold Plus H8908-004 (HMO-POS) plan features an annual drug deductible of $250. For Tier 1 preferred generic and Tier 2 generic drugs, you will pay no copay for a one-month or three-month supply when using standard pharmacies or preferred mail order services. If you choose standard mail order for these lower-tier drugs, copays range from $10 to $20 for a one-month supply. Tier 3 preferred brand drugs require a $47 copay for a one-month supply, though you can save on a three-month supply by using preferred mail order for $131. Higher-tier medications are subject to coinsurance rather than flat copays, with Tier 4 non-preferred drugs requiring 48% coinsurance and Tier 5 specialty drugs requiring 30% coinsurance.
Additional Benefits
The Humana Gold Plus H8908-004 (HMO-POS) plan offers comprehensive medical coverage with predictable costs, featuring no copay and no coinsurance for primary care visits and preventive services. Specialist visits require a $40 copay, while inpatient hospital stays have a $440 daily copay for the first few days and no copay for subsequent days. Emergency room visits carry a $130 copay, which is waived if you are admitted, and urgent care visits require a $50 copay. This plan also includes valuable supplemental benefits, such as dental and vision care with no copay for routine services, including a $2,500 dental limit and a $400 vision allowance. Routine hearing exams and over-the-counter hearing aids are covered with no copay, and up to 24 one-way transportation trips to plan-approved locations are provided annually with no copay. For durable medical equipment and dialysis services, members can expect a 20% coinsurance with no copay.
Inpatient Hospital See details
Humana Gold Plus H8908-004 (HMO-POS) covers inpatient hospital services with no coinsurance, requiring a $440 copay for days 1 to 6 of acute stays and days 1 to 5 of psychiatric stays, with no copay for subsequent covered days. Non-Medicare-covered stays, hospital upgrades, and additional psychiatric days are not covered, and prior authorization is required.
Outpatient Services See details
Outpatient services are covered by Humana Gold Plus H8908-004 (HMO-POS) with no coinsurance across all services, featuring a copay of $0 to $440 for outpatient hospital services and a $440 copay per stay for observation services. Ambulatory surgical center and outpatient blood services have no copay, while outpatient substance abuse sessions require a $35 copay.
Partial Hospitalization See details
Humana Gold Plus H8908-004 (HMO-POS) covers partial hospitalization services with a $35.00 copay and no coinsurance, though prior authorization is required.
Ambulance and Transportation Services See details
Humana Gold Plus H8908-004 (HMO-POS) covers ground and air ambulance services with a $335 copay and no coinsurance. Transportation services are partially covered with no copay and no coinsurance for up to 24 one-way trips per year to plan-approved locations, though transportation to any health-related location is not covered.
Emergency Services See details
Emergency services are covered by Humana Gold Plus H8908-004 (HMO-POS) with a $130 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services require a $50 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered for a $130 copay and no coinsurance.
Primary Care See details
Humana Gold Plus H8908-004 (HMO-POS) primary care benefits feature no copay and no coinsurance for primary care physician visits, while specialist visits require a $40 copay with no coinsurance. Physical, occupational, and speech therapies have a $10 to $40 copay, mental health services require a $35 copay, and telehealth ranges from no copay to a $50 copay, all with no coinsurance, though chiropractic and podiatry services are not covered.
Preventive Services See details
Preventive Services are partially covered by Humana Gold Plus H8908-004 (HMO-POS) with no copay and no coinsurance for covered services like annual physical exams, kidney disease education, and memory fitness. Many supplemental services are not covered under this plan, including health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, and weight management programs.
Hearing Services See details
Humana Gold Plus H8908-004 (HMO-POS) hearing services include Medicare-covered exams for a $40 copay and no coinsurance, as well as routine exams, fittings, and OTC hearing aids with no copay and no coinsurance. Prescription hearing aids are partially covered with copays ranging from $599 to $899 and no coinsurance (limited to two per year), though inner ear, outer ear, and over the ear models are not covered.
Vision Services See details
Vision services are partially covered by Humana Gold Plus H8908-004 (HMO-POS) with no coinsurance and copays ranging from $0 to $40. Routine eye exams, contact lenses, and eyeglasses (lenses and frames) feature no copay and a $400 annual limit, while other eye exams, separate eyeglass lenses, separate eyeglass frames, and upgrades are not covered.
Dental Services See details
Humana Gold Plus H8908-004 (HMO-POS) partially covers dental services with a $2,500 annual maximum, offering no copay and no coinsurance for covered preventive and comprehensive services, while Medicare-covered dental requires a $40 copay and no coinsurance. Fluoride treatments, removable prosthodontics, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Humana Gold Plus H8908-004 (HMO-POS) covers home infusion bundled services with no copay, though prior authorization is required. Under this benefit, Part B chemotherapy, radiation, and other drugs carry no copay and a coinsurance ranging from no coinsurance to 20%, while Part B insulin drugs require a $35 copay and a coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
Dialysis services are covered by Humana Gold Plus H8908-004 (HMO-POS) with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
Medical equipment is covered by Humana Gold Plus H8908-004 (HMO-POS), with durable medical equipment and prosthetic devices requiring 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 have a $0 to $10 copay.
Diagnostic and Radiological Services See details
Humana Gold Plus H8908-004 (HMO-POS) covers diagnostic services with no coinsurance, featuring a copay of $0 to $95 for procedures and no copay for lab services. Covered radiological services require a minimum 20% coinsurance for therapeutic services, a $0 minimum copay for diagnostic radiological services, and no copay for outpatient X-rays.
Home Health Services See details
Humana Gold Plus H8908-004 (HMO-POS) covers Home Health Services with no copay and no coinsurance. Prior authorization is required to receive these covered services.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered under the Humana Gold Plus H8908-004 (HMO-POS) plan with no coinsurance and a $10 copay, requiring prior authorization. While some services are covered, standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered.
Skilled Nursing Facility (SNF) See details
Humana Gold Plus H8908-004 (HMO-POS) covers skilled nursing facility services with no coinsurance, requiring a daily copay of $10 for days 1 through 20 and $218 for days 21 through 100. Prior authorization is required, a prior three-day inpatient hospital stay is not required, and additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Humana Gold Plus H8908-004 (HMO-POS) covers acupuncture with a $40 copay and no coinsurance for up to 20 treatments per year, requiring prior authorization. Meal benefits for chronic illnesses and partially covered over-the-counter items, excluding some CMS OTC list drugs, are both available with no copay and no coinsurance.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
*/SMID: MULTIPLAN_HCIHNMEDADVRX25_HCI_M
MedicareAdvantageRX.com is owned and operated by Dog Media Solutions LLC.
This is a promotional communication.
Every year, Medicare evaluates plans based on a 5-star rating system.
Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
* Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.
Enrollment in Medicare/Medicare Advantage may be limited to certain times of the year unless you qualify for a Special Enrollment Period
We do not offer every plan available in your area. Currently, we represent 18 organizations, which offer 52,101 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
We represent Medicare Advantage HMO, PPO and PFFS organizations and stand-alone PDP prescription drug plans that are contracted with Medicare. Enrollment depends on the plan's contract renewal.
Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.
Please contact Medicare.gov ,1-800-MEDICARE , or your local State Health Insurance Program (SHIP) to get information on all of your options.
Medicare has neither approved nor endorsed any information on this site.
Speak with a licensed insurance agent: 1-877-649-2073 / TTY 711 | 8am - 11pm ET | 7 days a week
© 2023 Dog Media Solutions LLC. All rights reserved