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Humana Dual Select H0028-078 (HMO D-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Humana Dual Select H0028-078 (HMO D-SNP). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Humana Dual Select H0028-078 (HMO D-SNP) in 2026, please refer to our full plan details page.
Humana Dual Select H0028-078 (HMO D-SNP) is a HMO D-SNP plan offered by Humana Inc. available for enrollment in 2025 to people living in Denver. This plan received an overall rating of 3.5 out of 5 stars in 2026.
It's important to know that Humana Dual Select H0028-078 (HMO D-SNP) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Important:
Humana Dual Select H0028-078 (HMO D-SNP)is a Special Needs Type (SNP) plan. This means you can only enroll in this plan if you meet specific criteria. See our full plan details page for more information.
Key Plan Facts
Below are a few key facts and commonly-asked questions about Humana Dual Select H0028-078 (HMO D-SNP).
Plan Costs:
The cost of a Medicare Advantage Plan is made up of four main parts.
- First, the monthly premium — the amount you pay every month.
- Second, the deductible — the amount you pay out of pocket for covered services before the plan starts paying.
- Third, the copayments and coinsurance — the amounts you pay out of pocket for covered services, usually after meeting the deductible (if applicable). Copays are fixed dollar amounts; coinsurance is a percentage of the cost.
- Fourth, the Out-of-Pocket Maximum — the maximum amount you could have to pay out of pocket in a year. This may be different for in-network and out-of-network services.
For Humana Dual Select H0028-078 (HMO D-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $0.00. This is the amount you must pay every month.
This plan does not come with a Part B Premium reduction. You must continue to pay your Part B premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
This plan has a $340.00 drug deductible. You will need to pay this amount towards covered prescriptions before your insurance coverage for prescription medications kicks in.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $6500.00 for out-of-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $0.00 for in-network covered services, the plan will pay 100% of in-network covered costs for the rest of the year.
You can see below for the coinsurance and specific copayments for in the Additional Benefits section below, or refer to our Plan Details page for more details.
Common Services:
Doctor Visits:
Specialist Visits:
Emergency Room:
Urgent Care:
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Drug Coverage
The Humana Dual Select H0028-078 (HMO D-SNP) plan features an Enhanced Alternative drug benefit with an annual prescription drug deductible of 340 dollars. If you qualify for Extra Help, your Part D premium may be reduced to zero dollars. After meeting your deductible, Tier 1 preferred generic drugs have no copay at standard pharmacies and preferred mail order, while standard mail order has a 20 dollar copay. For other drug tiers, you will pay a 25 percent coinsurance for Tier 2 standard generics and Tier 3 preferred brands, and a 29 percent coinsurance for Tier 4 non-preferred drugs. Once your annual out-of-pocket drug costs reach 2,100 dollars, you enter the catastrophic coverage phase where you pay nothing for covered Medicare Part D prescription drugs.
Additional Benefits
The Humana Dual Select H0028-078 (HMO D-SNP) plan offers robust coverage with low out-of-pocket costs, featuring no copays or coinsurance for primary care visits, preventive services, and home health care. For inpatient hospital stays, members pay a $275 daily copay for the first five days and no copay for days six through ninety. Outpatient hospital services, emergency care, and specialist visits are also covered with affordable copays and no coinsurance. Supplemental benefits include dental, vision, and hearing care, featuring no copays for routine exams and a generous $3,500 annual maximum for dental services. Additionally, the plan covers up to 36 one-way transportation trips, over-the-counter items, and meal benefits with no copay. Medical equipment and dialysis services are covered with a 20% coinsurance and no copay.
Inpatient Hospital See details
Humana Dual Select H0028-078 (HMO D-SNP) partially covers inpatient hospital benefits with no coinsurance, requiring a $275 copay per day for days 1 to 5 and no copay for days 6 to 90 for both acute and psychiatric stays. While unlimited additional acute days are covered at no copay, non-Medicare-covered stays, upgrades, and additional psychiatric days are not covered.
Outpatient Services See details
Humana Dual Select H0028-078 (HMO D-SNP) covers outpatient services with no coinsurance, including outpatient hospital services with a $0 to $325 copay and observation services with a $275 copay per stay. Outpatient substance abuse sessions require a $25 to $35 copay, while ambulatory surgical center and blood services are covered with no copay.
Partial Hospitalization See details
Partial hospitalization benefits are covered by Humana Dual Select H0028-078 (HMO D-SNP) with a $35.00 copay and no coinsurance. Prior authorization is required to receive these services.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered under Humana Dual Select H0028-078 (HMO D-SNP) with no coinsurance, requiring a $335 copay for ground ambulance and a $1,250 copay for air ambulance. Transportation services are partially covered with no copay for up to 36 one-way trips per year to plan-approved locations, though trips to any health-related location are not covered.
Emergency Services See details
Emergency services are covered by Humana Dual Select H0028-078 (HMO D-SNP) with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services require a $50 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are available for a $130 copay and no coinsurance.
Primary Care See details
Humana Dual Select H0028-078 (HMO D-SNP) covers primary care physician services with no copay and no coinsurance. Additional services under this benefit, including specialist visits, physical therapy, and telehealth, are covered with copays ranging from $0 to $50 and no coinsurance.
Preventive Services See details
Humana Dual Select H0028-078 (HMO D-SNP) covers key preventive services, including annual physical exams, kidney disease education, and glaucoma screenings, with no copay and no coinsurance. Additional preventive benefits are partially covered, offering smoking cessation counseling, memory fitness, and wigs for hair loss with no copay and no coinsurance, while other services like health education, in-home safety assessments, and medical nutrition therapy are not covered.
Hearing Services See details
Humana Dual Select H0028-078 (HMO D-SNP) partially covers hearing services with no deductibles or coinsurance. Medicare-covered exams require a $25 copay, while routine exams, fitting evaluations, OTC hearing aids, and general prescription hearing aids have no copay, though inner ear, outer ear, and over-the-ear prescription devices are not covered.
Vision Services See details
Humana Dual Select H0028-078 (HMO D-SNP) offers partially covered vision services with no deductible and no coinsurance, requiring prior authorization for exams and eyewear. Routine eye exams and covered eyewear, such as contact lenses and eyeglasses (lenses and frames), have no copay, though other exams may have a copay up to $25 and eyewear is limited to a $250 annual maximum. Specific sub-services including eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
Humana Dual Select H0028-078 (HMO D-SNP) offers partially covered dental services with an annual maximum benefit of $3,500, featuring a $25 copay and no coinsurance for Medicare-covered dental services, and no copay or coinsurance for other covered preventive and comprehensive services. Fluoride treatment, maxillofacial prosthetics, implant services, and orthodontics are not covered under this plan.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by Humana Dual Select H0028-078 (HMO D-SNP) with prior authorization, featuring coinsurance ranging from no coinsurance up to 20%. Members pay a $35 copay for Part B insulin and no copay for other Part B drugs, though chemotherapy and radiation drugs may also require a copayment.
Dialysis Services See details
Humana Dual Select H0028-078 (HMO D-SNP) covers Dialysis Services with 20% coinsurance and no copay. Prior authorization is required for this benefit.
Medical Equipment See details
Humana Dual Select H0028-078 (HMO D-SNP) covers medical equipment, including durable medical equipment, prosthetics, medical supplies, and diabetic equipment, with a 20% coinsurance and no copay. Prior authorization is required for these covered services.
Diagnostic and Radiological Services See details
Humana Dual Select H0028-078 (HMO D-SNP) covers diagnostic and radiological services, with prior authorization required. Lab services and outpatient X-rays are available with no copay or coinsurance, while other services range from a $0 to $50 copay for diagnostic tests, up to a $300 copay for diagnostic radiology, and a $25 copay plus 20% coinsurance for therapeutic radiology.
Home Health Services See details
Humana Dual Select H0028-078 (HMO D-SNP) covers Home Health Services with no copay and no coinsurance. Prior authorization is required to access these covered services.
Cardiac Rehabilitation Services See details
Humana Dual Select H0028-078 (HMO D-SNP) notes that some services are covered under the Cardiac Rehabilitation Services benefit, although in practice, Cardiac Rehabilitation Services, Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services are not covered. Prior authorization is required for these benefits.
Skilled Nursing Facility (SNF) See details
Humana Dual Select H0028-078 (HMO D-SNP) partially covers Skilled Nursing Facility (SNF) services, requiring prior authorization and excluding additional days beyond the Medicare-covered limit. There is no coinsurance for these services, featuring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100.
Other Services See details
Other services are partially covered by Humana Dual Select H0028-078 (HMO D-SNP), with the exception of Dual Eligible SNPs with Highly Integrated Services which are not covered. Acupuncture is covered with a $25 copay and no coinsurance, while over-the-counter items and meal benefits are covered with no copay and no coinsurance.
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