Humana Gold Plus H1036-229 (HMO) in St. Lucie County, Florida — 2026 plan details
Last updated Jul 18, 2026
Reviewed by Jason Burns, Editorial Steward
Published by Senior Direct Answers · Licensed under Citation License 1.0
Humana Gold Plus H1036-229 (HMO) (H1036-229) is a $0-premium Medicare Advantage HMO from Humana Inc. available in St. Lucie County, Florida in 2026, with a 4.5-star overall rating, a $3,800 in-network out-of-pocket maximum, and a $615 annual Part D drug deductible.
Plan facts (CMS CY2026 Landscape file)
| Organization | Humana Inc. |
|---|---|
| Plan name | Humana Gold Plus H1036-229 (HMO) |
| Contract ID | H1036 |
| Plan ID | 229 |
| Segment ID | 0 |
| Contract year | 2026 |
| Contract category | MA-PD |
| Plan type | HMO |
| SNP | No |
| Monthly consolidated premium | $0.00 |
| Part C premium | $0.00 |
| Part D basic premium | $0.00 |
| Part D total premium | $0.00 |
| Annual Part D deductible | $615.00 |
| Maximum out-of-pocket (in-network) | $3800.00 |
| Overall star rating | 4.5 |
How this plan is structured
- $0 consolidated premium. A $0 or near-$0 consolidated premium does not remove the Part B premium — the standard 2026 Part B premium is $202.90 per month and still applies. See the 2026 Medicare Part B premium.
- HMO plan type. In an HMO-style Medicare Advantage plan, in-network care and primary-care referral rules generally apply. See how Medicare Advantage HMO and PPO plans differ.
- $3,800 in-network out-of-pocket maximum. The MOOP is the annual cap on what a member pays in-network for covered Part A and Part B services. See how the Medicare Advantage MOOP works.
- Service area = St. Lucie County. Medicare Advantage plans are sold by service area; moving out of the plan's service area triggers a Special Enrollment Period to switch plans. See how moving changes your Medicare options.
How it compares in St. Lucie County
The CMS CY2026 Landscape file lists 91 Medicare Advantage plans in St. Lucie County, Florida, of which 5 carry a 5.0-star overall rating and 68 have a $0 consolidated monthly premium. Consolidated premiums range from $0.00 to $184.00 per month, and in-network out-of-pocket maximums range from $500.00 to $9250.00.
Other 5.0-star Medicare Advantage plans in St. Lucie County (first three alphabetically):
| Plan | Organization | Premium | MOOP |
|---|---|---|---|
| DEVOTED CORE 046 FL (HMO) | Devoted Health, Inc. | $0.00 | $4900.00 |
| DEVOTED CORE 066 FL (HMO) | Devoted Health, Inc. | $0.00 | $4900.00 |
| DEVOTED DUAL 039 FL (HMO D-SNP) | Devoted Health, Inc. | $3.90 | $4900.00 |
For the full county plan directory, see all Medicare plans in St. Lucie County, Florida.
How to verify your doctors take this plan
Network participation changes throughout the year; we hold no provider-network data, so verify directly with these three sources before you decide:
- Open the plan's official Medicare.gov page and use its provider-directory link: Medicare.gov Plan Finder — H1036-229.
- Call the plan (Humana Inc.) using the member-services number listed on that plan page and ask whether each doctor, hospital, and pharmacy is in-network for 2026.
- Get free, unbiased help from your State Health Insurance Assistance Program (SHIP) — see free unbiased Medicare help from SHIP.
What H1036-229 means
CMS assigns every Medicare Advantage and Part D offering a plan identifier made of three parts. In H1036-229, the leading H marks the contract type (H = Medicare Advantage / Part C contract), the four digits 1036 are the contract number issued to the organization, and the three-digit 229 is the plan benefit package under that contract. The segment ID 0 identifies the service-area segment within the plan (0 = the default single segment).
Frequently asked questions
Is Humana Gold Plus H1036-229 (HMO) an HMO or PPO?
Humana Gold Plus H1036-229 (HMO) is an HMO — a Health Maintenance Organization-style Medicare Advantage plan, meaning in-network care and referral rules generally apply.
Does Humana Gold Plus H1036-229 (HMO) include prescription drug coverage?
Yes — Humana Gold Plus H1036-229 (HMO) is a Medicare Advantage plan with prescription drug coverage (MA-PD) and a $615.00 annual Part D drug deductible for 2026.
What is the maximum out-of-pocket cost for Humana Gold Plus H1036-229 (HMO)?
The 2026 in-network maximum out-of-pocket limit for Humana Gold Plus H1036-229 (HMO) is $3800.00, per the CMS CY2026 Landscape file.
What counties offer Humana Gold Plus H1036-229 (HMO) (H1036-229)?
Humana Gold Plus H1036-229 (HMO) (H1036-229) is offered in five Florida counties: Glades County, Indian River County, Martin County, Okeechobee County, and St. Lucie County.
Sources
- CMS, Plan Year 2026 Medicare Advantage & Part D Landscape source file (March 2026) — retrieved 2026-07-18. Overall star rating year: 2026.
- Medicare.gov Plan Finder — compare plans and enroll.