2020 Humana Gold Plus H0292-002 (HMO) H0292-002 By Humana.

2020 Medicare Advantage Plan Services for
Humana Gold Plus H0292-002 (HMO)

Humana Gold Plus H0292-002 (HMO) H0292-002 is a 2020 Medicare Advantage Plan or Medicare Part-C plan by Humana available to residents in Kentucky. This plan includes additional Medicare prescription drug (Part-D) coverage. The Humana Gold Plus H0292-002 (HMO) has a monthly premium of $15.00 and has an in-network Maximum Out-of-Pocket limit of $3,400 (MOOP). This means that if you get sick or need a high cost procedure the co-pays are capped once you pay $3,400 out of pocket. This can be a extremely nice safety net.

Humana Gold Plus H0292-002 (HMO) is a Local HMO. With a health maintenance organization (HMO) you will be required to receive most of your health care from an in-network provider. Health maintenance organizations require that you select a primary care physician (PCP). Your PCP will serve as your personal doctor to provide all of your basic healthcare services. If you require specialized care or a physician specialist, your primary care physician will make the arrangements and inform you where you can go in the network. You will need your PCPs okay, called a referral. Services received from an out-of-network provider are not typically covered by the plan.

Humana works with Medicare to provide significant coverage beyond Part A and Part B benefits. If you decide to sign up for Humana Gold Plus H0292-002 (HMO) you still retain Original Medicare. But you will get additional Part A (Hospital Insurance) and Part B (Medical Insurance) coverage from Humana and not Original Medicare. With Medicare Advantage Plans you are always covered for urgently needed and emergency care. Plus you receive all of the benefits of Original Medicare from Humana except hospice care. Original Medicare still provides you with hospice care even if you sign up for a Medicare Advantage Plan.

2020 Humana Medicare Advantage Plan Details

Humana Gold Plus H0292-002 (HMO)
Type: Local HMO
Monthly Premium C+D: $15.00
Part C Premium:$0.00
MOOP: $3,400
Part D (Drug) Premium:$15.00
Part D Supplemental Premium$0.00
Total Part D Premium:$15.00
Drug Deductible:$0.00
Tiers with No Deductible:0
Gap Coverage:No
Benchmark:not below the regional benchmark
Type of Medicare Health:Enhanced Alternative
Drug Benefit Type:Enhanced

Part-C Premium

Humana plan charges a $0.00 Part-C premium. The Part C premium covers Medicare medical, hospital benefits and supplemental benefits if offered. You generally are also responsible for paying the Part B premium.

Part-D Deductible and Premium

Humana Gold Plus H0292-002 (HMO) has a monthly drug premium of $15.00 and a $0.00 drug deductible. This Humana plan offers a $15.00 Part D Basic Premium that is not below the regional benchmark. This covers the basic prescription benefit only and does not cover enhanced drug benefits such as medical benefits or hospital benefits. The Part D Supplemental Premium is $0.00 this Premium covers any enhanced plan benefits offered by Humana above and beyond the standard PDP benefits. This can include additional coverage in the gap, lower co-payments and coverage of non-Part D drugs. The Part D Total Premium is $15.00. The Part D Total Premium is the addition of the supplemental and basic premiums for some plans this amount can be lower due to negative basic or supplemental premiums.

Premium Assistance

Depending on your income level you may be eligible for full 75%, 50%, 25% premium assistance. The Humana Gold Plus H0292-002 (HMO) medicare insurance offers a $0.00 premium obligation if you receive a full low-income subsidy (LIS) assistance. And the payment is $3.70 for 75% low income subsidy $7.50 for 50% and $11.20 for 25%.

Full LIS Premium:$0.00
75% LIS Premium:$3.70
50% LIS Premium:$7.50
25% LIS Premium:$11.20

Gap Coverage

In 2020 once you and your plan provider have spent $4020 on covered drugs. (combined amount plus your deductible) You will be in the coverage gap. (AKA "donut hole") You will be required to pay 25% for prescription drugs unless your plan offers additional coverage. This Humana plan does not offer additional coverage through the gap.

Humana Drug Coverage and Formulary

A formulary is divided into tiers or levels of coverage based on the type or usage of your medication or benefit categories, according to drug costs. Each tier will have a defined out-of-pocket cost that you must pay before receiving the drug. You can see complete 2020 Humana Gold Plus H0292-002 (HMO) H0292-002 Formulary here.

Drug Tier Copay
1 $0 $10
2 $5 $20
3 $47 $47
4 $97 $100
5 33% 33%
*Initial Coverage Phase and 30 day supply

See the 2020 Humana Formulary

2019 Plan Services

(*2020 Plan services will be added when available)

Health plan deductible


Emergency care/Urgent care

Emergency $120 per visit (always covered)
Urgent care $0-25 per visit (always covered)

Diagnostic procedures/lab services/imaging

Diagnostic tests and procedures $0-105
Lab services $0-20
Diagnostic radiology services (e.g., MRI) $25-250
Outpatient x-rays $0-85


Hearing exam $25
Fitting/evaluation $0 copay
Hearing aids $399-699

Preventive dental

Oral exam $0 copay
Cleaning $0 copay
Fluoride treatment Not covered
Dental x-ray(s) $0 copay

Comprehensive dental

Non-routine services Not covered
Diagnostic services Not covered
Restorative services 50%
Endodontics Not covered
Periodontics Not covered
Extractions 50%
Prosthodontics, other oral/maxillofacial surgery, other services Not covered


Routine eye exam $0 copay
Other Not covered
Contact lenses $0 copay
Eyeglasses (frames and lenses) $0 copay
Eyeglass frames Not covered
Eyeglass lenses Not covered
Upgrades Not covered

Mental health services

Inpatient hospital - psychiatric $295 per day for days 1 through 4
$0 per day for days 5 through 90
Outpatient group therapy visit with a psychiatrist $25
Outpatient individual therapy visit with a psychiatrist $25
Outpatient group therapy visit $25
Outpatient individual therapy visit $25

Skilled Nursing Facility

$0 per day for days 1 through 20
$172 per day for days 21 through 100

Rehabilitation services

Occupational therapy visit $10-40
Physical therapy and speech and language therapy visit $10-40

Ground ambulance


Other health plan deductibles?

In-Network No


$0 copay

Foot care (podiatry services)

Foot exams and treatment $25
Routine foot care Not covered

Medical equipment/supplies

Durable medical equipment (e.g., wheelchairs, oxygen) 20% per item
Prosthetics (e.g., braces, artificial limbs) 20% per item
Diabetes supplies $0 or 10-20% per item

Wellness programs (e.g., fitness, nursing hotline)


Medicare Part B drugs

Chemotherapy 20%
Other Part B drugs 20%

Maximum out-of-pocket enrollee responsibility (does not include prescription drugs)

$3,400 In-network

Optional supplemental benefits


Additional benefits and/or reduced cost-sharing for enrollees with certain health conditions?

In-Network No

Inpatient hospital coverage

$295 per day for days 1 through 5
$0 per day for days 6 through 90
$0 per day for days 91

Outpatient hospital coverage

$250 per visit

Doctor visits

Primary $0 copay
Specialist $25 per visit

Preventive care

$0 copay

Coverage Area for Humana Gold Plus H0292-002 (HMO)

(Click county to compare all available Advantage plans)

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Source: CMS.
Data as of September 4, 2019.
Star Rating as of October 10, 2019.
Plan Services are 2019 information as reference. 2020 information will be added when released.
Notes: Data are subject to change as contracts are finalized. For 2020, enhanced alternative may offer additional cost sharing reductions in the gap on a sub-set of the formulary drugs, beyond the standard Part D benefit. Includes 2020 approved contracts. Employer sponsored 800 series and plans under sanction are excluded.

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