2023 Humana Gold Plus H5178-001 (HMO)

Humana Gold Plus H5178-001 (HMO) H5178-001 is a 2023 Medicare Advantage Plan or Part-C by Humana available to residents in South Carolina. This plan includes extra prescription drug (Part-D) coverage. Humana Humana Gold Plus H5178-001 (HMO) has a monthly premium of $110.00 and has an in-network maximum out-of-pocket limit of $6,700 (MOOP). This means that if you get sick or need a high-cost procedure the co-pays are capped once you pay $6,700 out-of-pocket. This can be an extremely nice safety net.

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 H5178-001 (HMO) you still retain Original Medicare. But you will get extra Part A (Hospital Insurance) and Part B (Medical Insurance) coverage from Humana and not Original Medicare. With 2023 Medicare Advantage Plan you are always covered for urgently needed and emergency care. Plus, you receive all the benefits of Original Medicare from Humana except hospice care. Original Medicare still provides you with hospice care if you sign up for Medicare Advantage in South Carolina.



2023 Humana Medicare Advantage Plan Overview

Name:Humana Gold Plus H5178-001 (HMO)
Plan ID:H5178 001 0
Provider:Humana
Year:2023
Type:Local HMO
Combined Premium (C+D):$110.00/mo
Part C Premium:$62.30/mo
MOOP:$6,700/yr
Part D (Drug) Premium:$47.70/mo
Part D Supplemental Premium$0/mo
Total Part D Premium:$47.70/mo
Drug Deductible:$420.00/yr
Tiers with No Deductible:0
Gap Coverage:No
Benchmark:Not below the regional benchmark
Type of Medicare Health:Basic Alternative
Drug Benefit Type:Basic
Similar Plan: H5178-001




What type of plan is Humana Gold Plus H5178-001 (HMO)

Humana Gold Plus H5178-001 (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 primary care physician 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 primary care physician approval, called a referral. Services received from an out-of-network provider are not typically covered.



How much does Humana Gold Plus H5178-001 (HMO) cost?


Monthly Premium

A monthly premium is the fee you pay to the plan in exchange for coverage. Humana charges a $110.00 consolidated premium. The Part C premium is $62.30 this charge 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

An annual deductible is the amount you pay out-of-pocket for your prescription drugs before your plan begins to pay. Humana Gold Plus H5178-001 (HMO) has a monthly drug premium of $47.70 and a $420.00 drug deductible. This Humana plan offers a $47.70 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. This Premium covers any enhanced plan benefits offered by Humana above and beyond the standard PDP benefits. This can include extra coverage in the gap, lower co-payments, and coverage of non-Part D drugs. The Part D Total Premium is $47.70. The Part D Total Premium is the addition of supplemental and basic premiums for some plans this amount can be lowered due to negative basic or supplemental premiums.


Humana Gap Coverage

In 2023 once you and your plan provider have spent $4660 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 extra coverage. This Humana plan does not offer extra coverage through the gap.


Extra Help Premium Assistance

The Low Income Subsidy (LIS) Extra Helps people with Medicare pay for prescription drugs and lowers the costs of Medicare prescription drug coverage. Income limits are based on the Federal Poverty Level (FPL), which changes every year in February or March. The 2022 income limit is $1,719 ($2,309 for couples) per month. Depending on your income level you may be eligible for a full 75%, 50%, 25% premium assistance. The Humana Gold Plus H5178-001 (HMO) medicare insurance offers a $9.90 premium obligation if you receive a full low-income subsidy (LIS) assistance. And the payment is $19.30 for 75% low-income subsidy $28.80 for 50% and $38.20 for 25%.


Full Assistance Premium:$9.90
75% Assistance Premium:$19.30
50% Assistance Premium:$28.80
25% Assistance Premium:$38.20


MOOP

The maximum out-of-pocket (MOOP) is a yearly limit on your out-of-pocket costs. Humana Gold Plus H5178-001 (HMO) by Humana MOOP is $6,700. Once you spend $6,700 you will pay nothing for Part A or Part B covered services. Copayments and coinsurance for Medicare approved services apply toward your out-of-pocket limit. Remember Original Medicare (Parts A and B) doesn’t have a MOOP.



Formulary and Drug Coverage

Humana Gold Plus H5178-001 (HMO) formulary is divided into tiers or levels of coverage based on usage and according to the medication costs. Each tier will have a defined copay that you must pay to receive the drug. Drugs in lower tiers will usually cost less than those in higher tiers. By reviewing different Medicare Drug formularies, you can pick a Medicare Advantage plan that covers your medications. Additionally, you can choose a plan that has your drugs listed at a lower price.

Drug Tier Copay
Preferred
Pharmacy
Copay
Nonpreferred
Pharmacy
Tier 1 NA $8
Tier 2 NA $12
Tier 3 NA 25%
Tier 4 NA 25%
Tier 5 NA 26%

The complete Humana Gold Plus H5178-001 (HMO) Formulary.
*Initial Coverage Phase and 30 day supply





2023 Summary of Benefits


The benefit information provided is a summary of what Humana Gold Plus H5178-001 (HMO) covers and what you pay (such as copayments and coinsurance amounts) for certain common medical events. The Summary of Benefits from Humana helps get an idea of how much financial protection the plan is generally expected to provide for common health conditions. This section also contains information on coverage for in-network and out-of-network providers.

Wellness programs (e.g., fitness, nursing hotline)Not covered



Contact lenses


VisionNot covered



Eyeglass frames


VisionNot covered



Eyeglass lenses


VisionNot covered



Eyeglasses (frames and lenses)


VisionNot covered



Other


VisionNot covered



Routine eye exam


VisionNot covered



Upgrades


VisionNot covered




TransportationNot covered
Skilled Nursing Facility$0 per day for days 1 through 20
$178 per day for days 21 through 100



Occupational therapy visit


Rehabilitation services20% coinsurance



Physical therapy and speech and language therapy visit


Rehabilitation services20% coinsurance



Cleaning


Preventive dentalNot covered



Dental x-ray(s)


Preventive dentalNot covered



Fluoride treatment


Preventive dentalNot covered



Oral exam


Preventive dentalNot covered




Preventive care$0 copay
Outpatient hospital coverage$0 copay or 20% coinsurance per visit
In-Network Other health plan deductibles?No
Optional supplemental benefitsNo



Inpatient hospital - psychiatric


Mental health services$1,660 per stay



Outpatient group therapy visit


Mental health services20% coinsurance



Outpatient group therapy visit with a psychiatrist


Mental health services20% coinsurance



Outpatient individual therapy visit


Mental health services20% coinsurance



Outpatient individual therapy visit with a psychiatrist


Mental health services20% coinsurance



Chemotherapy


Medicare Part B drugs20% coinsurance



Other Part B drugs


Medicare Part B drugs20% coinsurance



Diabetes supplies


Medical equipment/supplies20% coinsurance per item



Durable medical equipment (e.g., wheelchairs, oxygen)


Medical equipment/supplies10% coinsurance per item



Prosthetics (e.g., braces, artificial limbs)


Medical equipment/supplies20% coinsurance per item




Maximum out-of-pocket enrollee responsibility (does not include prescription drugs)$6,700 In-network
Inpatient hospital coverage$1,860 per stay



Fitting/evaluation


HearingNot covered



Hearing aids - inner ear


HearingNot covered



Hearing aids - outer ear


HearingNot covered



Hearing aids - over the ear


HearingNot covered



Hearing exam


Hearing20% coinsurance




Health plan deductible$226 per year for in-network services.
Ground ambulance20% coinsurance



Foot exams and treatment


Foot care (podiatry services)20% coinsurance



Routine foot care


Foot care (podiatry services)Not covered



Emergency


Emergency care/Urgent care$90 copay per visit (always covered)



Urgent care


Emergency care/Urgent care20% coinsurance per visit (always covered)



Primary


Doctor visits20% coinsurance per visit



Specialist


Doctor visits20% coinsurance per visit



Diagnostic radiology services (e.g., MRI)


Diagnostic procedures/lab services/imaging$0 copay or 20% coinsurance



Diagnostic tests and procedures


Diagnostic procedures/lab services/imaging$0 copay or 20% coinsurance



Lab services


Diagnostic procedures/lab services/imaging$0 copay or 20% coinsurance



Outpatient x-rays


Diagnostic procedures/lab services/imaging20% coinsurance



Diagnostic services


Comprehensive dentalNot covered



Endodontics


Comprehensive dentalNot covered



Extractions


Comprehensive dentalNot covered



Non-routine services


Comprehensive dentalNot covered



Periodontics


Comprehensive dentalNot covered



Prosthodontics, other oral/maxillofacial surgery, other services


Comprehensive dentalNot covered



Restorative services


Comprehensive dentalNot covered




In-Network Additional benefits and/or reduced cost-sharing for enrollees with certain health conditions?Yes, contact plan for further details




Coverage Area

(Click county or state to compare all available Advantage plans)

The availability of Medicare Advantage Plans will vary according to your region. This is why the Coverage Area matters in terms of Medicare eligibility. You will always be eligible for Original Medicare, but eligibility for Humana Gold Plus H5178-001 (HMO) requires you to live in that plan’s service area. The service area is listed below:



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How much does Humana Gold Plus H5178-001 (HMO) cost?

Humana charges a $110.00 consolidated monthly premium. A monthly premium is the fee you pay to the plan in exchange for coverage of Medicare medical, hospital benefits and supplemental benefits if offered. You generally are also responsible for paying the Part B premium.

How much is Humana Gold Plus H5178-001 (HMO) MOOP?

The maximum out-of-pocket (MOOP) is a yearly limit on your out-of-pocket costs. Humana Gold Plus H5178-001 (HMO) by Humana MOOP is $6,700. Once you spend $6,700 you will pay nothing for Part A or Part B covered services.

What type of plan is Humana Gold Plus H5178-001 (HMO)?

Humana Gold Plus H5178-001 (HMO) is a Local HMO. With a health maintenance organization you will be required to receive most of your health care from an in-network provider. HMOs require that you select a primary care physician (PCP).



Source:CMS. Data as of Oct 1, 2022.

Last updated on

Notes: Data are subject to change as contracts are finalized. For 2023, enhanced alternative may offer extra cost sharing reductions in the gap on a sub-set of the formulary drugs, beyond the standard Part-D benefit. Includes 2023 approved contracts. Employer sponsored 800 series and plans under sanction are excluded.

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