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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 2025, 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 2025.
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 $12.10. 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 $590.00 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 has a $590 deductible for prescription drugs. After the deductible is met, you will pay the cost-sharing amounts for drugs in each tier until your total drug costs reach $2,000. If you qualify for the low-income subsidy (LIS), your monthly Part D premium will be $12.10. Once your yearly out-of-pocket drug costs reach $2,000, you will pay nothing for your Medicare Part D covered drugs.
Additional Benefits
The Humana Dual Select H0028-078 (HMO D-SNP) plan offers comprehensive coverage, including inpatient and outpatient hospital services, with varying copays and coinsurance. It features no copays for primary care physician visits, preventive services, and home health services. Additionally, the plan provides coverage for hearing, vision, and dental services with no or low copays for many services, along with additional benefits like transportation, over-the-counter items, and a meal benefit.
Inpatient Hospital See details
Inpatient Hospital benefits are covered, including both Acute and Psychiatric services, with a copay of $275 for days 1-5, and no copay for days 6-90. Additional days for Inpatient Hospital-Acute have no copay, while Non-Medicare-covered stays and upgrades for Inpatient Hospital-Acute are not covered, and Additional Days for Inpatient Hospital Psychiatric and Non-Medicare-covered Stay for Inpatient Hospital Psychiatric are also not covered.
Outpatient Services See details
Outpatient Services include coverage for Outpatient Hospital Services with a $25-$275 copay and 20% coinsurance, Observation Services with a $275 copay, Ambulatory Surgical Center (ASC) Services with a $225 copay and 20% coinsurance, and Outpatient Substance Abuse Services with a $25-$50 copay for both individual and group sessions. Outpatient Blood Services have no copay.
Partial Hospitalization See details
Partial Hospitalization is covered, but requires prior authorization. The copay for this benefit is $75.
Ambulance and Transportation Services See details
Ambulance services are covered with a copay of $315 for ground ambulance and $1250 for air ambulance, and transportation services to a plan-approved health-related location are covered with no copay for up to 36 one-way trips per year. Transportation services to any other health-related location are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered under the Humana Dual Select H0028-078 (HMO D-SNP) plan. Emergency Services have a $125 copay, and Urgently Needed Services have a $45 copay. Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation all have a $125 copay. All services have no coinsurance.
Primary Care See details
Primary Care benefits include no copay for Primary Care Physician Services. Chiropractic Services have a 20% coinsurance. Occupational Therapy Services have a $25 copay, while Physician Specialist Services have a $25 copay. Mental Health Specialty Services, including individual and group sessions, have a $25 copay. Podiatry Services, including routine foot care, have a $25 copay. Other Health Care Professional visits may have a copay between $0 and $25. Psychiatric Services, including individual and group sessions, have a $25 copay. Physical Therapy and Speech-Language Pathology Services have a $25 copay. Additional Telehealth Benefits have a copay between $0 and $45, and Opioid Treatment Program Services have a copay between $25 and $50.
Preventive Services See details
Preventive Services are covered, including an annual physical exam with no copay. Additional preventive services, including wigs for hair loss, additional sessions of smoking and tobacco cessation counseling, and fitness benefits, are also covered with no copay. Other services such as health education, in-home safety assessments, and others are not covered.
Hearing Services See details
The Humana Dual Select H0028-078 (HMO D-SNP) plan covers hearing exams with a $25 copay, as well as routine hearing exams and fitting/evaluation for hearing aids with no copay. Prescription hearing aids are partially covered, but not inner ear, outer ear, or over the ear hearing aids, and OTC hearing aids are not covered.
Vision Services See details
Vision Services include coverage for eye exams and eyewear, with a $0 copay for routine eye exams, contact lenses, and eyeglasses (lenses and frames). Eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
The Humana Dual Select H0028-078 (HMO D-SNP) plan covers Medicare dental services with a $25 copay, and other dental services with a $3,500 annual maximum. Oral exams, dental x-rays, other diagnostic dental services, prophylaxis (cleaning), other preventive dental services, restorative services, adjunctive general services, endodontics, periodontics, prosthodontics (removable and fixed), and oral and maxillofacial surgery are covered with no copay. Fluoride treatment, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, but prior authorization is required. Medicare Part B Insulin Drugs have a $35 copay and between 0% to 20% coinsurance, while Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs have between 0% to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered, but require prior authorization. You will pay a 20% coinsurance for these services.
Medical Equipment See details
Medical equipment, including durable medical equipment, prosthetics, medical supplies, and diabetic equipment, is covered. Durable Medical Equipment (DME) has a 20% coinsurance, while Prosthetic Devices and Medical Supplies have a 20% coinsurance and no copay. Diabetic Supplies have a 20% coinsurance and no copay, and Diabetic Therapeutic Shoes/Inserts have no copay.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered, with prior authorization required. Diagnostic Procedures/Tests have a copay between $0 and $45, and Lab Services have no copay. Diagnostic Radiological Services have a coinsurance of at most 20% and a copay of at most $300, while Therapeutic Radiological Services have a coinsurance of at most 20% and a copay of at most $25. Outpatient X-Ray Services have no copay.
Home Health Services See details
Home Health Services are covered by the Humana Dual Select H0028-078 (HMO D-SNP) plan with no copay and no coinsurance. However, additional hours of care and personal care services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered, but the plan does not cover the sub-services: Cardiac Rehabilitation Services, Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services. Prior authorization is required for these services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered, but require prior authorization. For days 1-20, the copay is $10 per day, and for days 21-100, the copay is $214 per day; there is no coinsurance. Additional days beyond Medicare-covered for SNF and Non-Medicare-covered stays for SNF are not covered.
Other Services See details
The Humana Dual Select H0028-078 (HMO D-SNP) plan covers acupuncture with a $25 copay, but is limited to 20 treatments per year and requires prior authorization, and also covers over-the-counter (OTC) items, including nicotine replacement therapy and Naloxone, up to $2100 per year. This plan also covers a meal benefit with no copay, and also has other services that are not covered, including Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, Case Management (Long Term Care), Institution for Mental Disease Services for Individuals 65 or Older, Services in an Intermediate Care Facility for Individuals with Intellectual Disabilities, Case Management, Tobacco Cessation Counseling for Pregnant Women, Freestanding Birth Center Services, Respiratory Care Services, Family Planning Services, Nursing Home Services, Home and Community Based Services, Personal Care Services, and Self-Directed Personal Assistance Services.
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