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Humana Dual Select H0028-079 (HMO D-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Humana Dual Select H0028-079 (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 H0028-079 (HMO D-SNP) in 2026, please refer to our full plan details page.
Humana Dual Select H0028-079 (HMO D-SNP) is a HMO D-SNP plan offered by Humana Inc. available for enrollment in 2025 to people living in Front Range. This plan received an overall rating of 3.5 out of 5 stars in 2026.
It's important to know that Humana Dual Select H0028-079 (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 H0028-079 (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 H0028-079 (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 H0028-079 (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 $360.00 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 $6750.00 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 H0028-079 (HMO D-SNP) prescription drug plan has an annual drug deductible of $360. For Tier 1 preferred generic and Tier 2 generic drugs, there is no copay for 1-month and 3-month supplies filled at standard pharmacies or through preferred mail order. However, standard mail order fills for these tiers require a copay, ranging from $10 to $20 for a 1-month supply and $30 to $60 for a 3-month supply. Brand-name and specialty medications are covered under a coinsurance model rather than flat copays. You will pay a 25% coinsurance for Tier 3 preferred brand and Tier 4 non-preferred drugs at standard pharmacies and through both preferred and standard mail order. Tier 5 specialty drugs require a 28% coinsurance for a 1-month supply across all standard pharmacy and mail order channels.
Additional Benefits
Humana Dual Select H0028-079 (HMO D-SNP) offers robust coverage for essential medical services with minimal out-of-pocket costs. Members benefit from no copays for primary care visits, preventive care, home health services, and routine diagnostic tests like lab services and X-rays. For more intensive care, inpatient hospital stays require a $275 daily copay for the first five days and no copay thereafter, while outpatient hospital services range from no copay up to a $325 copay. This plan also provides valuable supplemental benefits, including routine dental care up to a $3,000 annual limit and routine vision exams with a $300 eyewear allowance, both with no copays. Routine hearing exams, prescription hearing aids, and up to 36 one-way transportation trips per year to plan-approved locations are also covered with no copay. For durable medical equipment and dialysis services, members will pay no copay and a 20% coinsurance.
Inpatient Hospital See details
Humana Dual Select H0028-079 (HMO D-SNP) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $275 daily copay for days 1 through 5 and no copay for days 6 through 90. The benefit is partially covered because upgrades, non-Medicare-covered stays, and psychiatric stay additional days beyond 90 days are not covered.
Outpatient Services See details
Humana Dual Select H0028-079 (HMO D-SNP) covers outpatient services with no coinsurance, although prior authorization is required. Outpatient hospital services have a copay of $0 to $325 ($275 per stay for observation services), outpatient substance abuse sessions have a $35 copay, and ambulatory surgical center and blood services feature no copay.
Partial Hospitalization See details
Humana Dual Select H0028-079 (HMO D-SNP) covers partial hospitalization services with a $35.00 copay and no coinsurance. Prior authorization is required to access this benefit.
Ambulance and Transportation Services See details
Humana Dual Select H0028-079 (HMO D-SNP) covers ambulance services with no coinsurance and a copay of $335 for ground transport or $1,250 for air transport. Transportation services are partially covered with no copay or coinsurance for up to 36 one-way trips per year to plan-approved locations, though transportation to any health-related location is not covered.
Emergency Services See details
Humana Dual Select H0028-079 (HMO D-SNP) covers emergency services with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services are covered with a $50 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are available with a $130 copay and no coinsurance.
Primary Care See details
Humana Dual Select H0028-079 (HMO D-SNP) covers primary care physician services with no copay and no coinsurance, while chiropractic services are partially covered, with routine care having no copay and no coinsurance but other chiropractic services not covered. Specialist visits, therapy, mental health, and other healthcare services are covered with copays ranging from $0 to $50 and no coinsurance, though prior authorization is generally required.
Preventive Services See details
Preventive services are covered by Humana Dual Select H0028-079 (HMO D-SNP) with no copays and no coinsurance, including annual physical exams, kidney education, and diabetes self-management training. Additional preventive services are partially covered; memory fitness, tobacco cessation counseling, and chemotherapy-related wigs are covered, but services such as health education, in-home safety assessments, personal emergency response systems, and medical nutrition therapy are not covered.
Hearing Services See details
Humana Dual Select H0028-079 (HMO D-SNP) covers hearing services with no deductible, including routine hearing exams and fitting evaluations for no copay and no coinsurance, and Medicare-covered exams for a $35 copay and no coinsurance. Prescription hearing aids are partially covered with no copay and no coinsurance for up to two devices every three years, though inner ear, outer ear, and over the ear prescription aids are not covered. Over-the-counter (OTC) hearing aids are also covered with no copay and no coinsurance.
Vision Services See details
Vision services are partially covered by Humana Dual Select H0028-079 (HMO D-SNP), offering no copays and no coinsurance for one routine eye exam and one pair of contact lenses or eyeglasses (lenses and frames) per year up to a $300 maximum. Prior authorization is required, and other eye exam services, separate eyeglass lenses, separate frames, and upgrades are not covered.
Dental Services See details
Dental services are partially covered by Humana Dual Select H0028-079 (HMO D-SNP), featuring a $35 copay and no coinsurance for Medicare-covered dental, and no copay or coinsurance for other covered services up to a $3,000 annual limit. Fluoride treatments, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Humana Dual Select H0028-079 (HMO D-SNP) covers Home Infusion bundled Services with prior authorization, requiring 0% to 20% coinsurance for chemotherapy, radiation, and other Medicare Part B drugs. Other Part B drugs have no copay, while Medicare Part B insulin requires a $35 copay and 0% to 20% coinsurance with no deductible.
Dialysis Services See details
Dialysis services are covered by Humana Dual Select H0028-079 (HMO D-SNP) with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
Humana Dual Select H0028-079 (HMO D-SNP) covers durable medical equipment, prosthetics, medical supplies, and diabetic equipment with no copayments. A 20% coinsurance applies to these covered items, and prior authorization is required for most services.
Diagnostic and Radiological Services See details
Humana Dual Select H0028-079 (HMO D-SNP) covers diagnostic services with no coinsurance and copays ranging from $0 to $50 for tests, while lab services, outpatient X-rays, and diagnostic radiology feature no copay. Therapeutic radiological services require a minimum $35 copay and 20% coinsurance, with prior authorization required for all diagnostic and radiological services.
Home Health Services See details
Humana Dual Select H0028-079 (HMO D-SNP) covers home health services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Humana Dual Select H0028-079 (HMO D-SNP) covers some Cardiac Rehabilitation Services with no copay and no coinsurance, though prior authorization is required. However, standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered.
Skilled Nursing Facility (SNF) See details
Humana Dual Select H0028-079 (HMO D-SNP) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization but no prior three-day hospital stay. There is no copay for days 1 through 20, followed by a $218 daily copay for days 21 through 100, though additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Humana Dual Select H0028-079 (HMO D-SNP) covers acupuncture with a $35 copay and no coinsurance for up to 20 treatments per year, subject to prior authorization. The plan also covers over-the-counter items and chronic illness meal benefits with no copay and no coinsurance, though prior authorization is required for meals and some other miscellaneous services are not covered.
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