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Health maintenance organization (HMO) plans

Humana Gold Plus Medicare Advantage HMO plans

Ready to shop? Enter your ZIP code to see plans in your area with their premiums, copays and participating doctors and pharmacies. Or scroll down to learn more about our HMO plans.

Humana Gold Plus HMO plans offer affordable or even $0 monthly premiums, coverage that provides more benefits than Original Medicare and the security of a maximum annual out-of-pocket cost. Nearly 60% of all Medicare Advantage plan members choose an HMO plan for their coverage.1

Why choose Humana Gold Plus?

With a Medicare HMO plan, you’ll designate a primary care physician (PCP) from our broad network to coordinate your care. Your PCP will provide referrals to specialists and other providers as needed. You’re covered for unlimited medical doctor visits—with affordable copayments—so you can see your PCP as often as you need.

Even better, you’re not locked in once you choose a PCP; just let us know and you can change to a different in-network doctor whenever you like.

Finally, every Medicare Advantage HMO plan is required by law to provide at least all the benefits of Original Medicare Part A and Part B, so read on to learn more about the added benefits you may enjoy with a Humana Medicare Advantage HMO plan.

Learn more about Humana Medicare Advantage HMO costs and coverage

How much do Medicare Advantage HMO plans cost?

If the potential cost of your healthcare is your most important concern, our Medicare Advantage HMO plans may fit the bill.

  • Affordable monthly premiums - as low as $0 and affordable copays when you visit in-network providers
  • Unlimited PCP visits - with most Medicare HMO plans you’re covered for unlimited medical doctor visits with affordable copayments, so you can see your PCP as often as you need to
  • Affordable deductibles - and using in-network providers from our broad networks may help you save even more
  • Potential Part B premium savings - some Medicare HMO plans offer rebates on the $164.90 (in 2023) Part B premium
  • Over-the-counter (OTC) allowance - many Medicare HMO plans include an allowance that lets you order general healthcare items—like pain relievers, first aid items, even safety grab bars for your shower—through our OTC catalog at no additional cost to you
  • The security of an annual maximum out-of-pocket cost - for 2023, our average HMO maximum out-of-pocket limit is $4,738. Once you’ve spent the limit, you’ll pay nothing for services covered by your plan until the end of your plan year

Curious about our HMO plan coverage?

If the security of a broad range of benefits is your highest priority, all of our HMO plans offer all the benefits of Original Medicare—and then some. Plans may include:

  • Coverage for prescription drugs - most of Humana’s HMO plans include coverage for prescription drugs
  • Broad network of providers – it’s easy to see if your doctor is covered, and our provider networks continue to grow as more and more Medicare Advantage members choose HMO plans
  • Dental benefits (not offered by Original Medicare) - most of our Medicare Advantage HMO plans include coverage for routine dental care such as cleanings, exams, and X-rays
  • Vision benefits (not offered by Original Medicare) - many of our plans also include coverage for eye exams, lenses and frames
  • Hearing benefits (not coffered by Original Medicare) - many plans include coverage for hearing aid devices, audiologist visits and ongoing fittings and exams
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Call or request a call

Licensed Humana sales agents are ready to help guide you through the process of choosing the coverage that’s best for you.

Call 1-888-204-4062 (TTY: 711), daily, 5 a.m. – 8 p.m. or
Call 1-888-204-4062 (TTY: 711), daily, 5 a.m. – 8 p.m. or


  1. “Medicare Advantage in 2021: Enrollment Update and Key Trends,” Kaiser Family Foundation, last accessed May 20, 2022,, opens new window