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Humana Gold Plus SNP-DE H8908-007 (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 H8908-007 (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 H8908-007 (HMO D-SNP) in 2026, please refer to our full plan details page.
Humana Gold Plus SNP-DE H8908-007 (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 H8908-007 (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 H8908-007 (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 H8908-007 (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 H8908-007 (HMO D-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $8.80. 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 $615.00 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 H8908-007 (HMO D-SNP) plan features an annual drug deductible of $615. For Tier 1 (Preferred Generic) and Tier 2 (Generic) drugs, there is no copay for 1-month and 3-month supplies filled at standard pharmacies or through preferred mail order. If you choose standard mail order, Tier 1 drugs carry a $10 to $30 copay, while Tier 2 drugs require a $20 to $60 copay depending on the supply duration. For Tier 3 (Preferred Brand), Tier 4 (Non-Preferred Drug), and Tier 5 (Specialty Tier) medications, you will pay a 25% coinsurance. This 25% coinsurance applies to standard pharmacies, preferred mail order, and standard mail order for 1-month and 3-month supplies, with Tier 5 specialty drugs limited to 1-month fills.
Additional Benefits
The Humana Gold Plus SNP-DE H8908-007 (HMO D-SNP) offers comprehensive coverage for essential medical care, with many routine and preventive services requiring no copay. For primary care, specialist visits, and outpatient services, members generally pay no copay alongside a 20% coinsurance. Inpatient hospital stays require a copay of $2,230 for acute care and $2,080 for psychiatric care, but include no coinsurance. This plan also features valuable supplemental benefits to help lower out-of-pocket costs, including dental care up to a $2,500 annual limit and eyewear up to a $500 annual limit with no copay. Additionally, members receive coverage for hearing aids, over-the-counter items, and up to 24 one-way transportation trips per year with no copay and no coinsurance. Emergency care is available with a $115 copay, which is waived upon hospital admission.
Inpatient Hospital See details
Humana Gold Plus SNP-DE H8908-007 (HMO D-SNP) partially covers inpatient hospital services with no coinsurance, requiring a $2,230 copay per acute stay and a $2,080 copay per psychiatric stay. Upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered, although unlimited additional acute care days are covered with no copay.
Outpatient Services See details
Outpatient services are covered by the Humana Gold Plus SNP-DE H8908-007 (HMO D-SNP) with no copays for all services. However, a 20% coinsurance and prior authorization are required for outpatient hospital, observation, ambulatory surgical center, outpatient substance abuse, and outpatient blood services.
Partial Hospitalization See details
Humana Gold Plus SNP-DE H8908-007 (HMO D-SNP) covers partial hospitalization services with no copay and a 20% coinsurance. Prior authorization is required to receive coverage for this benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by Humana Gold Plus SNP-DE H8908-007 (HMO D-SNP), featuring a $335 copay and no coinsurance for ground and air ambulance transport. The plan also partially covers transportation, offering 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 SNP-DE H8908-007 (HMO D-SNP) 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 covered with no copay and a 20% coinsurance (up to $40), while worldwide emergency, urgent, and transportation services require a $115 copay and no coinsurance.
Primary Care See details
Humana Gold Plus SNP-DE H8908-007 (HMO D-SNP) covers primary care, specialist, therapy, and mental health services with no copay and a 20% coinsurance. Chiropractic services are partially covered, offering up to 12 routine visits per year with no copay and 20% coinsurance, while other chiropractic services are not covered.
Preventive Services See details
Humana Gold Plus SNP-DE H8908-007 (HMO D-SNP) provides partially covered preventive services with no copay and no coinsurance for covered care, including annual physical exams, kidney disease education, and select screenings. Sub-services not covered by this plan include health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, readmission prevention, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, home-based palliative care, in-home support, caregiver support, enhanced disease management, telemonitoring, remote access technologies, home and bathroom safety modifications, and counseling.
Hearing Services See details
Humana Gold Plus SNP-DE H8908-007 (HMO D-SNP) covers hearing services, including routine hearing exams with a 20% coinsurance and no copay, plus fitting evaluations and OTC hearing aids with no copay and no coinsurance. Prescription hearing aids are partially covered with no copay and no coinsurance for up to two aids every three years, excluding inner ear, outer ear, and over the ear models.
Vision Services See details
Vision Services are partially covered by Humana Gold Plus SNP-DE H8908-007 (HMO D-SNP), offering no copays for covered routine eye exams, contact lenses, and eyeglasses, with a 20% coinsurance applying to routine exams and contact lenses. There is no deductible and a $500 annual limit for eyewear, but other eye exam services, individual eyeglass lenses, individual eyeglass frames, and upgrades are not covered.
Dental Services See details
Humana Gold Plus SNP-DE H8908-007 (HMO D-SNP) partially covers dental services, offering Medicare-covered dental with no copay and 20% coinsurance, alongside other dental services with no copay and no coinsurance up to a $2,500 annual limit. While many preventive and comprehensive services are covered, fluoride treatments, implants, orthodontics, and maxillofacial prosthetics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by Humana Gold Plus SNP-DE H8908-007 (HMO D-SNP) with prior authorization, requiring a $35 copay and no coinsurance to 20% coinsurance for insulin. Other Part B drugs feature no copay and no coinsurance to 20% coinsurance, while chemotherapy drugs require a copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Humana Gold Plus SNP-DE H8908-007 (HMO D-SNP) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required before receiving these covered services.
Medical Equipment See details
Humana Gold Plus SNP-DE H8908-007 (HMO D-SNP) covers durable medical equipment, prosthetics, medical supplies, and diabetic equipment 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 H8908-007 (HMO D-SNP) with prior authorization and a 20% coinsurance across all services. Members will pay no copay for lab services and diagnostic procedures, a $50 copay for outpatient X-rays, and a $200 copay for diagnostic radiological services.
Home Health Services See details
Humana Gold Plus SNP-DE H8908-007 (HMO D-SNP) covers Home Health Services with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Humana Gold Plus SNP-DE H8908-007 (HMO D-SNP) covers some cardiac rehabilitation services with no copay and a 20% coinsurance, subject to prior authorization. However, standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for peripheral artery disease (PAD) services are not covered under this plan.
Skilled Nursing Facility (SNF) See details
Humana Gold Plus SNP-DE H8908-007 (HMO D-SNP) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization and 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 standard 100-day benefit are not covered.
Other Services See details
Humana Gold Plus SNP-DE H8908-007 (HMO D-SNP) covers acupuncture with no copay and 20% coinsurance for up to 20 treatments per year, as well as over-the-counter items and meal benefits with no copay and no coinsurance. Prior authorization is required for acupuncture and meal benefits, and highly integrated dual eligible services are not covered under this plan.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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* 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.
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