What’s New with Humana Gold Plus in 2025? Benefits, Costs & How to Enroll
As we move into 2025, healthcare coverage continues to evolve, and for seniors looking for comprehensive, cost-effective Medicare plans, Humana Gold Plus stands out as a top choice. Whether you’re already enrolled in a Medicare Advantage plan or considering switching from Original Medicare, understanding Humana Gold Plus and its 2025 updates can help you make an informed decision about your healthcare coverage.
This guide will cover everything you need to know about Humana Gold Plus for 2025, from benefits to providers and costs. We’ll cover all the updates and changes so you can determine if this plan is the right fit for you in 2025.
What Is Humana Gold Plus for 2025?
Humana Gold Plus is a Medicare Advantage plan (Part C) offered by Humana. For 2025, Humana Gold Plus continues to offer comprehensive coverage, combining Medicare Part A (hospital insurance), Part B (medical insurance), and often Part D (prescription drug coverage) into a single plan. However, 2025 brings some exciting updates to the plan’s benefits and costs you won’t miss.
For 2025, Humana Gold Plus is designed to offer expanded coverage and more affordable options, making it a top contender for seniors looking to get the most out of their Medicare experience. In addition to the standard coverage, many Humana Gold Plus plans now include additional benefits such as:
- Dental, vision, and hearing care
- Fitness benefits like access to gym memberships
- Meal delivery programs after hospital stay
- Telehealth services for virtual doctor visits
Humana Gold Plus Coverage and Benefits for 2025
Humana Gold Plus is known for offering comprehensive coverage that includes all the benefits of Original Medicare (Parts A and B), plus extra perks that make a significant difference. For 2025, there are new updates that enhance your coverage.
1. Hospital and Doctor Visits:
For 2025, Humana Gold Plus continues to offer hospital and medical coverage, including:
- Inpatient hospital stays
- Outpatient surgeries and procedures
- Doctor visits, including specialists
- Emergency care and urgent care
2. Prescription Drug Coverage (Part D):
Most Humana Gold Plus plans include prescription drug coverage (Part D), which helps you save on the medications you need. In 2025, Humana has expanded its drug formulary, meaning more medications are covered, including many brand-name drugs and generic alternatives. This is great news for seniors who rely on multiple medications to manage chronic conditions.
3. Additional Benefits:
Humana Gold Plus has long been recognized for its extra benefits, and in 2025, these benefits have been improved:
- Dental Coverage: More comprehensive dental care, including preventive care (like cleanings and exams) and more extensive treatments (fillings, dentures, crowns).
- Vision Coverage: Routine eye exams and coverage for glasses and contact lenses.
- Hearing Coverage: Hearing aids, exams, and fitting services.
- Wellness Programs: New wellness benefits for 2025 include access to fitness memberships at popular gym chains like SilverSneakers or FitRewards and online wellness coaching.
- Meal Delivery: Some Humana Gold Plus plans now offer post-discharge meal delivery, so healthy meals will be sent directly to your home if you’re recovering from a hospital stay.
4. Expanded Telehealth Services:
One of the major changes for 2025 is the expanded telehealth offerings. Humana Gold Plus now provides more access to virtual doctor visits for both primary care and specialty care. This is especially beneficial for seniors who may have trouble getting to in-person appointments.
Humana Gold Plus HMO Plans for 2025
If you’re considering a Humana Gold Plus HMO plan, it’s essential to understand how it differs from other plan types. An HMO (Health Maintenance Organization) plan provides comprehensive healthcare but typically requires using a provider network.
In 2025, Humana Gold Plus HMO continues to offer low-cost healthcare coverage with the following features:
- Lower premiums: Many Humana Gold Plus HMO plans come with $0 monthly premiums, making them an affordable option for many seniors.
- Primary Care Physician (PCP): You will need to select a PCP to manage your care and provide referrals to specialists within the Humana Gold Plus provider network.
- In-Network Care: An HMO plan restricts your care to in-network providers, except in emergencies. However, Humana Gold Plus HMO providers are extensive, offering a broad range of doctors and healthcare facilities.
Humana’s network of providers for 2025 remains robust, allowing members access to top-rated healthcare professionals, specialists, and hospitals.
Humana Gold Plus Providers for 2025
Humana Gold Plus works with a wide network of providers to ensure you have access to high-quality care when needed. For 2025, Humana’s list of Gold Plus providers includes:
- Primary care doctors
- Specialists (cardiologists, oncologists, and more)
- Hospitals
- Urgent care centers
- Pharmacies
When selecting a plan, reviewing the Humana Gold Plus provider directory is important to ensure that your preferred doctors, specialists, and healthcare facilities are included in the network. You can also check for in-network pharmacies to ensure your medications are covered.
How Much Does Humana Gold Plus Cost in 2025?
The cost of your Humana Gold Plus Integrated plan in 2025 will depend on several factors, including your location and the specific plan you choose. However, some updates for 2025 bring positive changes to the plan’s costs, making it an affordable option for many seniors.
What’s Included in the Cost?
What’s Covered in the Cost?
- Doctor Visits: In-network copays of $0 apply for doctor visits, including wellness and specialist care. Some visits may require prior authorization or a referral.
- Prescription Drugs:
- Generic drugs: $0 copay for a 30-day or 90-day supply.
- Brand-name drugs: $0 copay for a 30-day or 90-day supply.
- Over-the-counter drugs: $0 copay, with some limitations (up to $65 per quarter for eligible items).
- Medicare Part B prescription drugs: $0 copay, though some may require prior authorization.
- Hospital Care:
- Hospital stays: $0 copay.
- Emergency services: $0 copay for ER visits and ambulance services.
Cost Comparison with Other Plans for 2025:
Humana Gold Plus is often more affordable than many other Medicare Advantage plans, especially considering the additional benefits such as $0 premiums, doctor visits, and prescription coverage. With comprehensive coverage and $0 copays for many services, Humana Gold Plus provides excellent value for seniors who are seeking predictable and low-cost healthcare.
The plan offers added benefits like free transportation to doctor appointments, post-discharge meals, and smartphone services at no extra cost for those who qualify.
Who Is Eligible for Humana Gold Plus in 2025?
Eligibility for Humana Gold Plus remains largely the same for 2025. To qualify, you must:
- Be age 65 or older, or under 65 with a qualifying disability.
- Be enrolled in Medicare Parts A and B.
- Live in the Humana Gold Plus service area (availability may vary by region).
Dual-Eligibility for Medicaid:
For 2025, Humana Gold Plus continues to offer special plans for individuals who qualify for Medicare and Medicaid (Dual-Eligible Special Needs Plans or D-SNP). These plans typically offer lower premiums and lower out-of-pocket costs to help you manage healthcare expenses more effectively.
How to Enroll in Humana Gold Plus for 2025
If you’re interested in Humana Gold Plus, you need to enroll during one of the following periods:
1. Initial Enrollment Period (IEP)
This is when you first become eligible for Medicare—usually at age 65. It lasts for seven months, starting three months before your 65th birthday and ending three months after.
2. Annual Enrollment Period (AEP) – October 15 to December 7, 2024
This is the main time to switch, enroll, or change your Medicare Advantage plan for 2025. If you want to join Humana Gold Plus, this is the best window to do so.
3. Medicare Advantage Open Enrollment Period – January 1 to March 31, 2025
If you’re already enrolled in a Medicare Advantage plan, you can switch to a different plan or return to Original Medicare during this time.
Humana Gold Plus vs. Original Medicare: Which is Better?
Many people wonder whether they should stick with Original Medicare or switch to a Medicare Advantage plan like Humana Gold Plus. Here’s a comparison:
Humana Gold Plus is an excellent choice for those who value low costs, all-in-one coverage, and extra benefits. However, if you need more provider flexibility, Original Medicare might be a better option.
Humana Gold Plus vs Other Medicare Advantage Plans in 2025
In 2025, Humana Gold Plus continues to stand out due to its comprehensive coverage, extra benefits, and affordable pricing. However, comparing it with other plans is important to determine which is best for your healthcare needs.
Comparison Factors:
- Coverage: While other plans may offer basic coverage, Humana Gold Plus offers more extensive dental, vision, and hearing coverage, making it a solid choice for those looking for full-service Medicare Advantage.
- Cost: Humana Gold Plus is highly competitive, with many plans offering $0 premiums, making it one of the most cost-effective options available.
- Extra Benefits: With added services like meal delivery, fitness memberships, and telehealth, Humana Gold Plus delivers superior value compared to some other Medicare Advantage plans.
Why Choose Humana Gold Plus in 2025?
This plan offers excellent value with its comprehensive coverage, low premiums, and access to a wide network of Humana Gold Plus providers. For 2025, Humana has enhanced its Medicare Advantage plans to better serve beneficiaries with expanded benefits and lower costs.
Whether you’re interested in a Humana Gold Plus HMO plan for its cost-saving features or are drawn to additional benefits like dental and vision coverage, Humana Gold Plus provides a solid foundation for your healthcare needs in 2025.
Humana Gold Plus: Frequently Asked Questions
1. What is the Humana Gold Plus plan?
The Humana Gold Plus plan is a type of Medicare Advantage plan that includes additional benefits not found in Original Medicare, such as dental, vision, hearing, and prescription drug coverage. It is offered by Humana, one of the largest insurance providers.
2. Is Humana Gold Plus a Medicare Advantage plan?
Yes, Humana Gold Plus is a Medicare Advantage plan that provides additional benefits beyond what Original Medicare (Part A and Part B) offers. Depending on the plan, it typically includes prescription drug coverage and dental, vision, and hearing benefits.
3. What does Humana Gold Plus dental cover?
Humana Gold Plus dental coverage can vary by plan. Still, it generally includes preventive services such as cleanings, exams, and X-rays and coverage for restorative services like fillings, extractions, and crowns. More comprehensive coverage may be available in higher-tier plans.
4. What does Humana Gold Plus dental cover for adults?
For adults, Humana Gold Plus dental coverage typically includes preventive services (such as cleanings and exams), fillings, extractions, and sometimes more extensive procedures like crowns or dentures. The exact coverage depends on the specific plan.
5. Does Humana Gold Plus cover dentures?
Yes, depending on the specific plan, Humana Gold Plus may cover dentures, but coverage can vary. Typically, coverage for dentures is available under more comprehensive dental benefits, and there may be additional costs or requirements.
6. What is the deductible for Humana Gold Plus?
The deductible for Humana Gold Plus plans can vary by plan and region. Generally, the deductible for medical services and prescription drugs will be outlined in the specific plan’s details. It’s important to check the exact plan details to understand the full cost structure.
7. How much does Humana Gold Plus cost in 2025?
The cost of a Humana Gold Plus plan in 2025 will depend on various factors, such as the location, plan tier, and benefits offered. Premiums may vary; additional costs like deductibles, copayments, and coinsurance can apply. Many plans offer $0 monthly premiums, and most in-network services have no copays.
8. What are the disadvantages of Humana Gold Plus?
Some disadvantages of Humana Gold Plus could include limitations on coverage, network restrictions, and the potential for higher out-of-pocket costs if you need care outside the plan’s network. Additionally, not all plans may offer the same level of coverage for specific services.
Final Thoughts: Should You Choose Humana Gold Plus in 2025?
Humana Gold Plus continues to be one of the best Medicare Advantage plans for 2025, offering comprehensive coverage, affordable costs, and valuable extra benefits. Improvements to prescription drug coverage, dental and vision care, telehealth access, and wellness incentives provide seniors with a holistic approach to healthcare.
Humana Gold Plus is definitely worth considering if you’re looking for a plan that saves you money while providing high-quality medical care.
Ready to Learn More or Get a Quote?
If you’re considering Humana Gold Plus for 2025, call (833) 203-6742 today to get a personalized quote and speak with a representative who can help you find the best plan for your healthcare needs.
About Jasmine Allendale
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