Humana Essentials Plus Giveback H4461-039 (HMO)

by Humana

2026 Medicare Advantage plan available in Tennessee

Plan ID H4461-039-0

Additional coverage:

RxHearingVisionDental

Medicare Advantage HMO $0 premium 4.0 Overall

Monthly plan premium $0 / mo

Annual deductible $470 / yr

Max out-of-pocket · in-network $9,250 / yr

Drug deductible $565 / yr

4.0 Overall Government Star Rating 2026 · out of 5 stars

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Plan Overview

Humana Essentials Plus Giveback H4461-039 (HMO) is a Medicare Advantage Plan With Part D Prescription Drug Coverage, which is available in Tennessee and offered by the health insurance company Humana. This plan's network type is HMO, which determines the in-network doctors who accept the plan and whether a referral is needed.

Plan Name Humana Essentials Plus Giveback H4461-039 (HMO)

Insurance Carrier Humana

Plan Type Medicare Advantage Plan With Part D Prescription Drug Coverage

Network Type HMO

Cost Summary

Humana Essentials Plus Giveback H4461-039 (HMO) has a monthly premium cost of $0 per month, with an annual deductible of $470 In-network and a maximum out-of-pocket cost sharing of $9,250. The most common costs people evaluate when choosing a plan are listed here; a full list of benefit costs is defined below.

Monthly Premium $0 / mo

Health portion of premium $0

Drug portion of premium $0

Annual Deductible $470 In-network / yr

Max Out-of-Pocket · in-network $9,250 / yr

Primary doctor visit $0 copay

Specialist visit $40 copay

ER visit $115 copay

Ambulance $335 copay

Additional Benefits and Coverage

Humana Essentials Plus Giveback H4461-039 (HMO) is a Medicare Advantage plan which includes Medicare Part D prescription drug coverage. Other common benefits included with Medicare Advantage plans are coverage for dental, vision, and hearing. Humana Essentials Plus Giveback H4461-039 (HMO) includes coverage for hearing, vision, dental.

Part D Prescription Drug Coverage Yes

Dental Yes

Vision Yes

Hearing Yes

Nationwide Coverage No

Other benefits

Fitness benefit Limited coverage

Over-the-counter drug benefits Not covered

In-home support services Limited coverage

Home & bathroom safety devices Not covered

Meals for short duration Limited coverage

Annual physical exams Limited coverage

Telehealth Limited coverage

Medical Benefits

Doctor Services

Primary doctor visit In-network: $0 copay
Out-of-network: $0 copay

Specialist visit In-network: $40 copay
Out-of-network: $40 copay

Tests, labs & imaging

Diagnostic tests & procedures In-network: $0-$65 copay
Out-of-network: $0-$65 copay

Lab services In-network: $0-$50 copay
Out-of-network: $0-$50 copay

Diagnostic radiology services (like MRI) In-network: $0-$335 copay
Out-of-network: $0-$335 copay

Outpatient x-rays In-network: $0-$130 copay
Out-of-network: $0-$130 copay

Emergency care $115 copay

Urgent care $40 copay

Hospital Services

Inpatient hospital coverage Tier 1
$375 per day for days 1-5
$0 per day for days 6-90
$0 per stay

Outpatient hospital coverage In-network: $0-$250 copay
Out-of-network: $0-$250 copay

Skilled nursing facility

Skilled nursing facility Tier 1
$0 per day for days 1-20
$218 per day for days 21-100

Preventive services

Preventive services In-network: $0 copay
Out-of-network: $0 copay

Ambulance

Ground ambulance In-network: $335 copay
Out-of-network: $335 copay

Therapy services

Occupational therapy visit In-network: $20 copay
Out-of-network: $20 copay

Physical therapy & speech & language therapy visit In-network: $20 copay
Out-of-network: $20 copay

Mental health services

Outpatient group therapy with a psychiatrist In-network: $35 copay
Out-of-network: $35 copay

Outpatient individual therapy with a psychiatrist In-network: $35 copay
Out-of-network: $35 copay

Outpatient group therapy visit In-network: $35 copay
Out-of-network: $35 copay

Outpatient individual therapy visit In-network: $35 copay
Out-of-network: $35 copay

Opioid treatment services

Opioid treatment services Covered

Other services

Durable medical equipment (like wheelchairs & oxygen) In-network: $0 copay
Out-of-network: $0 copay

Prosthetics (like braces, artificial limbs) In-network: 20% coinsurance
Out-of-network: 20% coinsurance

Diabetes supplies In-network: $0 copay
Out-of-network: $0 copay

Prescription drugs (Part D benefits)

Drug tier standard retail · 1-month supply Initial coverage Catastrophic

Preferred Generic $0.00 copay $0 copay

Generic $3.00 copay $0 copay

Preferred Brand $47.00 copay $0 copay

Non-Preferred Drug 38% coinsurance $0 copay

Specialty Tier 26% coinsurance $0 copay

Part B drugs

Chemotherapy drugs In-network: 0%-20% coinsurance
Out-of-network: 0%-20% coinsurance

Other Part B drugs In-network: 0%-20% coinsurance
Out-of-network: 0%-20% coinsurance

Medicare star rating

Each year the federal government rates Medicare Advantage and Part D plans on a 5-star system covering quality of care, chronic-condition management, member experience, and customer service. For 2026, Humana Essentials Plus Giveback (HMO) earned an overall rating of 4.0 stars — better than Tennessee's state average of 3.7 stars.

Rating category This plan State average

Overall star rating ★ 4.0 3.7

Health plan quality

Summary rating of health plan quality ★ 4.0 3.7

Staying healthy: screenings, tests & vaccines ★ 3.0 3.4

Managing chronic (long-term) conditions ★ 4.0 3.5

Member experience with health plan ★ 5.0 4.0

Member complaints & changes in performance ★ 4.0 3.4

Health plan customer service ★ 4.0 4.3

Drug plan quality

Summary rating of drug plan quality ★ 3.0 3.5

Drug plan customer service ★ 5.0 4.8

Member complaints & changes in performance ★ 3.0 3.4

Member experience with the drug plan ★ 5.0 3.9

Drug safety & accuracy of drug pricing ★ 3.0 3.5

Extra Benefits

Hearing

Hearing exam In-network: $0 copay
Out-of-network: $0 copay

Fitting/evaluation In-network: $0 copay
Out-of-network: $0 copay

Hearing aids - prescription In-network: $499-$799 copay
Out-of-network: $499-$799 copay

Hearing aids - over the counter Not covered

Preventive dental

Oral exam In-network: $0 copay
Out-of-network: $0 copay

Cleaning In-network: $0 copay
Out-of-network: $0 copay

Fluoride treatment Not covered

Dental x-rays In-network: $0 copay
Out-of-network: $0 copay

Comprehensive dental

Restorative services In-network: $0 copay
Out-of-network: $0 copay

Endodontics In-network: $0 copay
Out-of-network: $0 copay

Periodontics In-network: $0 copay
Out-of-network: $0 copay

Prosthodontics, removable In-network: $0 copay
Out-of-network: $0 copay

Prosthodontics, fixed In-network: $0 copay
Out-of-network: $0 copay

Maxillofacial prosthetics Not covered

Implant services Not covered

Oral and maxillofacial surgery In-network: $0 copay
Out-of-network: $0 copay

Orthodontics Not covered

Adjunctive general services In-network: $0 copay
Out-of-network: $0 copay

Vision

Routine eye exam In-network: $0 copay
Out-of-network: $0 copay

Contact lenses In-network: $0 copay
Out-of-network: $0 copay

Eyeglasses (frames & lenses) In-network: $0 copay
Out-of-network: $0 copay

Eyeglass frames (only) Not covered

Eyeglass lenses (only) Not covered

Upgrades Not covered

Plan documents & tools

Plan details (carrier site)Provider directory Drug list (formulary)

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