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Humana Gold Plus H4461-081 (HMO) (2027)

Medicare Advantage plan with drug coverage from Humana, plan ID H4461-081-002. Sold in 26 counties in Tennessee.

★★★★★4.5

2027 costs

Monthly premium$90 ($85 of it for drug coverage)
Drug deductible$250
Medical deductible$0
Out-of-pocket maximum (in network)$1,900
Plan typeMedicare Advantage plan with drug coverage, HMO
Referral needed to see a specialistYes
Plan IDH4461-081-002

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.

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What you pay for medical care

Primary care visit$0
Specialist visit$20
Preventive care$0
Urgent care$65
Emergency room$150
Hospital stay$0
Outpatient surgery$0–$35
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 $5000 allowance
VisionCovered — up to $350/yr allowance
HearingCovered — $0–$275 copay per aid
Over-the-counter itemsCovered
FitnessCovered
Rides to appointmentsNot covered

Drug costs by tier

Tier30 days, standard pharmacy30 days, preferred pharmacy90 days by mail
1 Preferred Generic$0$0$0
2 Generic$0$0$0
3 Preferred Brand17%17%15%
4 Non-Preferred Drug50%50%50%
5 Specialty Tier30%30%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

Tennessee (26 counties)

Other 2027 Humana plans in Tennessee

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.