The Humana Gold Plus Plan

Understanding your Medicare Advantage options is crucial, and the Humana Gold Plus Plan is one to consider.

In this article, we break down the Humana Gold Plus Plan to help you assess its affordability, coverage scope, eligibility requirements, and enrollment steps—delivering the critical information you need without confusion or sales jargon.


Key Takeaways


  • It offers cost-effective healthcare, with an average monthly premium of $18, $0 deductible, and preferred pharmacy options but service costs outside of the network may lead to higher out-of-pocket expenses.


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Exploring the Humana Gold Plus Plan

The Humana Gold Plus Plan is a versatile Medicare Advantage option, offering a blend of Medicare Advantage HMO PPO, and PFFS configurations, and even a stand-alone prescription drug plan with a Medicare contract.

This plan seamlessly integrates the privileges of Medicare Parts A and B, including coverage for prescription drugs. Moreover, it incorporates supplementary services without any extra charges, setting it apart from other Medicare Advantage plans. The plan is inclusive and caters to individuals regardless of their origin, age, disability, and sex, highlighting Humana’s commitment to diversity and equality.


Exploring the Humana Gold Plus Plan

However, keep in mind that enrollment in the Humana Gold Plus Plan depends on geographical availability. Therefore, make sure to check its availability in your specific location. That being said, the plan’s inclusivity extends beyond personal attributes to encompass racial, color, and national origin, demonstrating Humana’s dedication to serving a diverse population.


Understanding Costs, Coverage, and Benefits

A crucial step in evaluating any healthcare plan is grasping the costs and coverage. With an average monthly premium of only $18 and a $0 deductible, the Humana Gold Plus Plan offers affordable healthcare access. Additionally, its network includes lower cost preferred pharmacies, further enhancing the plan’s cost-effectiveness.

The coverage provided by the Humana Gold Plus Plan is expansive, encompassing Medicare Part A and Part B services. It also potentially includes prescription drug coverage and supplementary benefits, providing a holistic healthcare solution. But it’s not just about the coverage – the Humana Gold Plus Plan also offers a myriad of benefits.

Its availability spans various states, including New York, Ohio, Oregon, and Pennsylvania, ensuring that a broad population can reap these benefits.

One aspect of healthcare costs that often catches patients off-guard is the copayment amount. While specific amounts are not disclosed for the Humana Gold Plus Plan, it generally encompasses copayments for fundamental services such as preventive exams, telemedicine, and pharmacy.

This feature is especially beneficial for those residing in states including California, Connecticut, District of Columbia, and Delaware, where the plan is readily available.

Network Nuances: Providers and Pharmacies

A vital feature of any healthcare plan is the network of providers and pharmacies it includes. The Humana Gold Plus Plan boasts a wide range of providers, allowing you to select a primary care physician (PCP) to oversee your healthcare requirements. This network extends across various states, including Maryland, Maine, Michigan, Minnesota, ny oh or pa, and ca ct dc de, ensuring a broad reach.


Humana gold plus benefits



Although the Humana Gold Plus Plan’s network is extensive, keep in mind the potential costs associated with seeking services outside this network. If you seek medical care from a provider not included in the network, you might be liable for the maximum allowable fee. This means that you will be required to pay the highest amount that Humana covers for that specific service, which could lead to increased out-of-pocket expenses.

However, the plan’s inclusivity persists, catering to individuals of any sex, sexual orientation, and gender.

With the Humana Gold Plus Plan, locating in-network providers is straightforward. Simply access the Humana website, select an in-network primary care physician, and utilize their online searchable directory to gather information on doctors, hospitals, and other providers.

This accessibility extends to individuals of any national origin, age, and disability, emphasizing the plan’s commitment to inclusivity.

The network for the Humana Gold Plus Plan doesn’t just include doctors and hospitals – ancillary providers, including labs, durable medical equipment suppliers, and pharmacies, are also accessible within the network.

This comprehensive network ensures that you have access to a wide range of healthcare services, tailored to accommodate individuals of any age, disability, sex, and sexual orientation.

Special Features for Diverse Needs

The Humana Gold Plus Plan distinguishes itself with its unique features that cater to a variety of needs. On top of cost savings and Medicare benefits, it provides prescription drug coverage, and, starting in 2024, dental, vision, and hearing benefits. These exceptional features are accessible to individuals regardless of their gender identity or expression, transgender status, and marital status.


Humana inc



For those with chronic conditions, the Humana Gold Plus Plan offers specialized coverage. The Humana Gold Plus – Diabetes and Heart (HMO C-SNP) plan is specifically designed to cater to diabetes and heart-related services, providing targeted care for these conditions. This specialized plan is available to all individuals, including those identifying as transgender.

Fitness enthusiasts will be pleased to know that the Humana Gold Plus Plan incorporates the SilverSneakers® health and fitness program, at no additional cost.

In addition, the plan includes the Go365 wellness program, further supporting your journey towards better health. These wellness-focused benefits are available to individuals of any military or veteran status, demonstrating the plan’s commitment to serving diverse needs.

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How to Enroll and Who is Eligible

Are you considering the Humana Gold Plus Plan? Here is a guide through the enrollment process and eligibility requirements. Enrollment in any Humana plan is contingent upon contract renewal, including the Humana Gold Plus Plan. This plan is available to individuals of any veteran status or religion, further showcasing Humana’s commitment to inclusivity.

The eligibility criteria for the Humana Gold Plus Plan, which does not discriminate based on national origin age disability sex, are:


  • 65 or older
  • Under 65 with a qualifying disability
  • Under 65 with ESRD (End-Stage Renal Disease), which is permanent kidney failure requiring dialysis or a kidney transplant


Not fluent in English? Not to worry – Humana offers free language interpreter services for those who need it, ensuring that language barriers don’t hinder your healthcare journey.


Disadvantages of humana gold plus



Residency can potentially impact eligibility for the Humana Gold Plus Plan, so it’s advisable to inquire directly with Humana regarding residency-related eligibility criteria. The plan’s commitment to diversity and inclusivity extends to individuals of any race color national origin age.

Enrolling in the Humana Gold Plus Plan is straightforward. Simply call 1-888-204-4062 (TTY: 711) or submit an enrollment request online by completing a form with your personal details. The plan’s inclusivity continues to shine, with individuals of any disability, sex, and sexual orientation welcome to enroll.

Managing Your Plan: Tools and Resources

With the range of tools and resources provided by Humana, managing your Gold Plus Plan is simple. Their mobile app enables users to:


  • Review coverage
  • Check claims
  • Access their digital Humana member ID
  • Provide convenient access to ID cards, in-network providers, and drug pricing


This dynamic mobile app caters to individuals regardless of their sex, sexual orientation, gender, sexual orientation gender identity, gender identity or expression, transgender status, marital situation, or any other personal factors.


Humana gold plus providers



Humana takes customer support a notch higher by offering phone and chat assistance, a comprehensive FAQ section, and resources and tools for health management. For any inquiries regarding the plan, you can directly contact Humana, ensuring that support is always within reach.

This comprehensive customer support is accessible to individuals of any race, color, and national origin.

In addition, Humana provides complimentary language interpreter services, once again showcasing their commitment to serving a diverse population.


In conclusion, the Humana Gold Plus Plan offers comprehensive coverage and additional benefits that set it apart from other Medicare Advantage plans.

With its affordable premiums, extensive provider network, specialized offerings, and supportive customer service, it’s an excellent choice for diverse healthcare needs. Embrace the golden opportunity to elevate your healthcare journey with Humana.

Frequently Asked Questions



What are the disadvantages of Humana Gold Plus?

The disadvantages of Humana Gold Plus include network limitations, prior authorization requirements, plan restrictions, and potential plan changes. Be mindful of these when considering this plan.


What is the difference between Medicare and Humana Gold?

The main difference between Medicare and Humana Gold is that Medicare is a federal fee-for-service health insurance program, while Humana is a private insurance company that contracts with Medicare to offer benefits to plan members. This means that Medicare is a government program, while Humana Gold is a private insurance option.


Is Humana Gold a HMO or PPO?

Humana Gold Plus is an HMO plan, offering basic benefits of Original Medicare and possible additional benefits. If you’re considering it, keep in mind that it follows HMO guidelines and benefits.


What is the structure of the provider network for the Humana Gold Plus Plan?

The provider network for the Humana Gold Plus Plan consists of a wide range of providers, facilitating the selection of a primary care physician to manage healthcare needs effectively.


What specific advantages does the Humana Gold Plus Plan provide to cater to a variety of needs?

The Humana Gold Plus Plan offers cost savings, Medicare benefits, prescription drug coverage, and additional dental, vision, and hearing benefits beginning in 2024.

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Russell Noga
( Medicare Expert )

Russell Noga is the CEO of ZRN Health & Financial Services, and head content editor of several Medicare insurance online publications. He has over 15 years of experience as a licensed Medicare insurance broker helping Medicare beneficiaries learn about Medicare, Medicare Advantage Plans, Medigap insurance, and Medicare Part D prescription drug plans.