What is the Humana Gold Plus Plan: A Comprehensive Guide

July 9, 2024

Choosing the right Medicare plan can be overwhelming. One of the most popular options is the Humana Gold Plus plan. This type of plan is a Health Maintenance Organization (HMO) plan, allowing you to pick a primary care physician (PCP) from an extensive network of providers who will manage your care and provide necessary referrals. The comprehensive nature of the Humana Gold Plus plan makes it a reliable choice for many.

Key Benefits of the Humana Gold Plus Plan

The Humana Gold Plus HMO plans offer numerous benefits including unlimited PCP visits and the ability to choose a new PCP at any time. These plans generally feature lower monthly premiums and copays compared to other types of plans. Additionally, they cover all benefits provided under Medicare Parts A and B, and most also include prescription drug coverage.

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One of the outstanding features of Humana Gold Plus HMO plans is the annual maximum out-of-pocket cost limit. This gives you added financial security as, once you reach this limit, you will not have to pay for covered services for the rest of the plan year.

Added Benefits and Coverage

Alongside the essential Medicare benefits, the Humana Gold Plus plan often includes emergency medical coverage worldwide, full coverage for preventive screenings, and hospitalization coverage. It also offers dental, vision, and hearing care, making it a holistic healthcare solution.

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Additional perks may include $0 telehealth copays, caregiver support, access to mail-delivery pharmacies, local community centers, and memberships to fitness programs like SilverSneakersĀ®. Such extensive benefits attract many, with over 4.9 million beneficiaries enrolled in Humana Medicare Advantage plans out of the more than 30 million total Medicare Advantage enrollees.

Considering Your Options

Humana's Medicare Advantage plans, including the Humana Gold Plus plan, are praised for their high availability and strong member satisfaction. With an average star rating of 4.35 out of 5, a significant portion of Humana's members are in plans with a high rating of 4 stars or more. These plans are available in 94% of U.S. counties, covering 49 states, Washington D.C., and Puerto Rico.

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However, it's essential to consider the potential cons, such as the limited availability of Chronic Condition Special Needs Plans (C-SNPs) and mixed reviews from third-party organizations. To find the right Humana Medicare Advantage plan suited to your needs, it may be beneficial to consult a licensed insurance agent or request a free plan quote online.

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