Humana Dual Integrated (HMO D-SNP)

Humana Dual Integrated (HMO D-SNP) is a HMO D-SNP plan offered by Humana Inc. available for enrollment in 2026 to people living in Macomb and Wayne Counties. The overall rating for this plan is not yet available for 2026.

It's important to know that Humana Dual Integrated (HMO D-SNP) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.

Key Plan Facts

Below are a few key facts and commonly-asked questions about Humana Dual Integrated (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.

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:

Drug Coverage

The Humana Dual Integrated (HMO D-SNP) plan features a low annual drug deductible of $45. For Tier 1 preferred generics and Tier 2 generics, members pay no copay when filling one-month or three-month prescriptions through standard pharmacies or preferred mail order. If you choose standard mail order, Tier 1 drugs have a $10 copay for one month and a $30 copay for three months, while Tier 2 drugs carry a $20 copay for one month and a $60 copay for three months. For higher-tier medications, costs are based on coinsurance rather than flat copays. Tier 3 preferred brands and Tier 4 non-preferred drugs both require a 25% coinsurance across standard pharmacies, preferred mail order, and standard mail order. Tier 5 specialty drugs require a 32% coinsurance for a one-month supply through all standard and preferred pharmacy or mail order channels.

Additional Benefits

The Humana Dual Integrated (HMO D-SNP) plan offers comprehensive coverage for core medical needs, typically featuring no copays but requiring a 20% coinsurance for primary care, specialists, outpatient care, and durable medical equipment. For hospital care, members pay a flat copay of $2,230 per acute inpatient stay and a $218 daily copay for skilled nursing facility days 21 through 100, both with no coinsurance. Emergency room visits require a $115 copay, while routine home health and preventive services are fully covered with no copays or coinsurance. Supplemental benefits include routine dental care up to a $2,000 annual limit and routine vision exams and eyewear up to a $400 yearly limit with no copays. Members also benefit from hearing services covering up to two prescription hearing aids every three years, as well as up to 48 one-way transportation trips to approved locations with no copay or coinsurance. Additional perks like acupuncture, over-the-counter items, and chronic illness meal benefits are also covered with no copays to keep your healthcare affordable.