Humana Gold Plus H4461-078 (HMO) (2027)

Medicare Advantage plan with drug coverage from Humana, plan ID H4461-078-000. Sold in 67 counties in Alabama.

★★★★★4.5

2027 costs

Monthly premium$0

Drug deductible$700

Medical deductible$0

Out-of-pocket maximum (in network)$6,360

Plan typeMedicare Advantage plan with drug coverage, HMO

Referral needed to see a specialistYes

Plan IDH4461-078-000

With a Medicare Advantage plan you also keep paying your Medicare Part B premium.

What this plan would cost for your prescriptions

Add your prescriptions to see this plan's estimated yearly cost for them, which of them are on its drug list, and how each compares with Cost Plus Drugs prices.

See this plan with my prescriptions

What you pay for medical care

Primary care visit$0

Specialist visit$25

Preventive care$0

Urgent care$50

Emergency room$130

Hospital stay$340/day

Outpatient surgery$0–$230

Lab tests$0–$100

X-rays and scans$0

Mental health visit$35

Physical therapy$25

Medical equipment20%

TelehealthCovered

In-network amounts. A range means it depends on the service or provider.

Extra benefits

DentalCovered — up to $3000 allowance

VisionCovered — up to $250/yr allowance

HearingCovered — $575–$750 copay per aid

Over-the-counter itemsNot covered

FitnessCovered

Rides to appointmentsNot covered

Drug costs by tier

Tier	30 days, standard pharmacy	30 days, preferred pharmacy	90 days by mail
1 Preferred Generic	$0	$0	$0
2 Generic	$5	$5	$0
3 Preferred Brand	17%	17%	15%
4 Non-Preferred Drug	44%	44%	44%
5 Specialty Tier	25%	25%	N/A

A percentage is coinsurance: your share of the drug's price. The drug deductible may apply first, depending on the tier. Your Part D out-of-pocket costs are capped at $2,400 for 2027.

Where it's sold

Alabama (67 counties)

Plan costs and benefits are from CMS's 2027 Medicare plan data (data as of October 27, 2026). Star ratings are CMS's 2027 Star Ratings. Every year, Medicare evaluates plans based on a 5-star rating system. Benefits, premiums and copays can change from year to year; check the plan's Evidence of Coverage, call the plan, or use Medicare.gov before you enroll.