@pml. I'm not an expert on health care insurance. I've done a lot of reading and thinking about what health care insurance covers, what it does not cover, and how much it costs. I just wanted to explain the following. Let me say, too, that I'm very happy that you found an affordable plan.

Here is the information on your Humana Plan (I looked it up with the information you wrote).
https://www.medicareadvantage.com/plans/humana-gold-plus-h2486-006-hmo-h2486-006-000
The $25 you pay to see a specialist is referred to as your "co-pay". The deductible is something else and is the amount you pay for covered health care services before your insurance plan starts to pay. Your plan has a deductible of "0". Your out-pocket-cost maximum is $5900.

One of my friends has a Humana Gold plan and when she had a medical emergency she found the Humana Gold plan was very comprehensive. She's pleased with her choice. I can see that your plan is very comprehensive too and I wish we had plan like that available where I live.