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Humana Gold Plus SNP-DE H8908-005 (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 H8908-005 (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 H8908-005 (HMO D-SNP) in 2026, please refer to our full plan details page.
Humana Gold Plus SNP-DE H8908-005 (HMO D-SNP) is a HMO D-SNP 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 SNP-DE H8908-005 (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 H8908-005 (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 H8908-005 (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 H8908-005 (HMO D-SNP), 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 $475.00 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 H8908-005 (HMO D-SNP) prescription drug plan features an annual drug deductible of $475. For Tier 1 preferred generics and Tier 2 generics, members enjoy no copay for one-month and three-month supplies at standard pharmacies and through preferred mail order. If you use standard mail order, Tier 1 drugs have a $10 to $30 copay, while Tier 2 drugs require a $20 to $60 copay. For brand-name and specialty medications, costs are structured as coinsurance rather than flat copays. Tier 3 preferred brands and Tier 4 non-preferred drugs both require a 25% coinsurance for standard pharmacy and mail-order options. Tier 5 specialty drugs incur a 27% coinsurance for a one-month supply at standard pharmacies and mail-order services.
Additional Benefits
The Humana Gold Plus SNP-DE H8908-005 (HMO D-SNP) offers comprehensive medical coverage with inpatient hospital stays requiring a $2,230 copay per acute stay and outpatient services featuring no copay and 20% coinsurance. Primary care, specialist visits, and dialysis services are available with no copay and a 20% coinsurance. Emergency care is covered with a $115 copay, which is waived if admitted, while urgent care requires a 20% coinsurance up to $40. This plan also features robust supplemental benefits, including preventive and comprehensive dental care with no copay or coinsurance up to a $3,000 annual limit. Routine vision and hearing exams are covered with no copay and a 20% coinsurance, with eyeglasses covered up to $250 and hearing aids provided with no copay or coinsurance. Additionally, skilled nursing facility stays have no copay for the first 20 days, and members can access over-the-counter items and meal benefits with no copay or coinsurance.
Inpatient Hospital See details
Humana Gold Plus SNP-DE H8908-005 (HMO D-SNP) covers inpatient hospital services with no coinsurance, requiring a $2,230 copay per acute stay and a $2,080 copay per psychiatric stay. This benefit is partially covered because upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered, though unlimited additional acute care days are available with no copay.
Outpatient Services See details
Humana Gold Plus SNP-DE H8908-005 (HMO D-SNP) covers outpatient services with no copay, but a 20% coinsurance and prior authorization are required for outpatient hospital, ambulatory surgical center, substance abuse, and blood services. There is no deductible for outpatient blood services, and the deductible is waived for the first three pints of blood.
Partial Hospitalization See details
Humana Gold Plus SNP-DE H8908-005 (HMO D-SNP) covers partial hospitalization services with no copay and a 20% coinsurance. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
Humana Gold Plus SNP-DE H8908-005 (HMO D-SNP) covers ground and air ambulance services with a $335 copayment and no coinsurance, though prior authorization is required. Transportation services to health-related locations are not covered under this plan.
Emergency Services See details
Humana Gold Plus SNP-DE H8908-005 (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 are covered with a 20% coinsurance (up to $40 per visit) and no copay, while worldwide emergency, urgent, and transportation services are available with a $115 copay and no coinsurance.
Primary Care See details
Primary care benefits under the Humana Gold Plus SNP-DE H8908-005 (HMO D-SNP) are covered with no copay and 20% coinsurance for most services, including primary care, specialist visits, mental health, and physical therapy. However, podiatry and chiropractic services are not covered under this plan.
Preventive Services See details
Humana Gold Plus SNP-DE H8908-005 (HMO D-SNP) covers preventive services with no copay and no coinsurance, including annual physicals, kidney disease education, and glaucoma screenings. Additional preventive services are partially covered, featuring memory fitness, smoking cessation, and wigs up to $500, while health education, PERS, nutritional therapy, in-home safety assessments, medication reconciliation, re-admission prevention, weight management, alternative therapies, therapeutic massage, adult day health, palliative care, in-home support, caregiver support, disease management, telemonitoring, remote access, home modifications, and counseling are not covered.
Hearing Services See details
Humana Gold Plus SNP-DE H8908-005 (HMO D-SNP) covers hearing services with no deductible, featuring routine hearing exams with a 20% coinsurance and no copay, and fitting evaluations with no copay or coinsurance. OTC hearing aids have no copay or coinsurance, while prescription hearing aids are partially covered with no copay or coinsurance, excluding inner ear, outer ear, and over the ear models.
Vision Services See details
Humana Gold Plus SNP-DE H8908-005 (HMO D-SNP) partially covers vision services with no deductible, offering yearly routine eye exams and contact lenses with no copay and 20% coinsurance, and eyeglasses (lenses and frames) with no copay and no coinsurance up to a $250 limit. Other eye exam services, separate eyeglass lenses, separate eyeglass frames, and upgrades are not covered.
Dental Services See details
Dental services are partially covered by Humana Gold Plus SNP-DE H8908-005 (HMO D-SNP), featuring no copay and no coinsurance for covered preventive and comprehensive services up to a $3,000 annual limit, while Medicare-covered dental has no copay and a 20% coinsurance. Fluoride treatments, endodontics, fixed or removable prosthodontics, implants, maxillofacial prosthetics, oral surgery, and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered under Humana Gold Plus SNP-DE H8908-005 (HMO D-SNP) with prior authorization, featuring a $35 copay and 0% to 20% coinsurance for insulin. Other covered Medicare Part B drugs, including chemotherapy and radiation, require 0% to 20% coinsurance, with no copay for other Part B drugs.
Dialysis Services See details
Dialysis Services are covered by Humana Gold Plus SNP-DE H8908-005 (HMO D-SNP) with no copay and a 20% coinsurance. Prior authorization is required to receive these services.
Medical Equipment See details
Humana Gold Plus SNP-DE H8908-005 (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
Diagnostic and radiological services are covered by Humana Gold Plus SNP-DE H8908-005 (HMO D-SNP) with prior authorization, requiring 20% coinsurance for all services. Diagnostic tests and lab services have no copay, while outpatient X-rays require a $50 copay and diagnostic radiological services require a $200 copay.
Home Health Services See details
Humana Gold Plus SNP-DE H8908-005 (HMO D-SNP) covers Home Health Services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are covered by Humana Gold Plus SNP-DE H8908-005 (HMO D-SNP) with no copay and a 20% coinsurance, 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) are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by Humana Gold Plus SNP-DE H8908-005 (HMO D-SNP) with no coinsurance, requiring prior authorization but no prior three-day hospital stay. There is no copay for days 1 through 20, a $218 daily copay for days 21 through 100, and additional days beyond the standard Medicare limit are not covered.
Other Services See details
Other services are partially covered by Humana Gold Plus SNP-DE H8908-005 (HMO D-SNP), excluding Other 1, Other 2, Other 3, and Dual Eligible SNPs with Highly Integrated Services. Covered benefits include acupuncture with no copay and 20% coinsurance, alongside over-the-counter items and meal benefits which both feature no copay and no coinsurance.
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