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CareNeeds Extra (HMO D-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for CareNeeds Extra (HMO D-SNP). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on CareNeeds Extra (HMO D-SNP) in 2026, please refer to our full plan details page.
CareNeeds Extra (HMO D-SNP) is a HMO D-SNP plan offered by Humana Inc. available for enrollment in 2026 to people living in Broward, Miami-Dade, & Palm Beach Counties. This plan received an overall rating of 4.5 out of 5 stars in 2026.
It's important to know that CareNeeds Extra (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:
CareNeeds Extra (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 CareNeeds Extra (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 CareNeeds Extra (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 no drug deductible. Your prescription medication coverage will start immediately.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $9250.00 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 CareNeeds Extra (HMO D-SNP) plan features a $0 drug deductible, meaning your prescription drug coverage begins immediately with no upfront costs. For Tier 1 preferred generics and Tier 2 generics, there is no copay for 1-month and 3-month supplies filled at standard pharmacies or through preferred mail order. If you choose standard mail order for these generic drugs, you will pay a copay ranging from $10 to $20 for a 1-month supply or $30 to $60 for a 3-month supply. For brand-name and specialty medications, your costs are calculated as a percentage of the drug's cost. Tier 3 preferred brands and Tier 4 non-preferred drugs require a 25% coinsurance for both 1-month and 3-month supplies across standard pharmacies and mail order services. Specialty medications in Tier 5 carry a 33% coinsurance for a 1-month supply through all standard pharmacy and mail order channels.
Additional Benefits
The CareNeeds Extra (HMO D-SNP) plan offers comprehensive medical coverage with predictable cost-sharing, featuring no copay for primary care, specialist visits, and outpatient services, though a 20% coinsurance typically applies. For hospital care, inpatient acute stays require a $2,230 copay per stay, while emergency room visits have a $115 copay that is waived if you are admitted. Standard preventive care, home health services, and select dental care are fully covered with no copay and no coinsurance. Additional benefits include generous coverage for everyday needs, such as unlimited transportation to plan-approved locations and routine acupuncture with no copay or coinsurance. Vision and hearing benefits are also highly accessible, offering no copay or coinsurance for prescription hearing aids up to $1,000 per ear annually and up to $300 per year for eyewear. Standard medical equipment, diagnostic lab services, and dialysis are also covered with no copay and a 20% coinsurance.
Inpatient Hospital See details
CareNeeds Extra (HMO D-SNP) covers inpatient acute hospital stays with a $2,230 copay per stay and psychiatric stays with a $2,080 copay per stay, both with no coinsurance. While unlimited additional acute care days are covered with no copay, upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
CareNeeds Extra (HMO D-SNP) covers outpatient services with no copay, though a 20% coinsurance applies to outpatient hospital, observation, ambulatory surgical center, substance abuse, and blood services. Prior authorization and referrals are required for these services, and there is no deductible for outpatient blood services.
Partial Hospitalization See details
CareNeeds Extra (HMO D-SNP) covers partial hospitalization services with no copay and a 20% coinsurance. Prior authorization and a referral are required to receive this covered benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by CareNeeds Extra (HMO D-SNP), featuring a 20% coinsurance and no copay for prior-authorized ground and air ambulance services. Transportation services are partially covered, offering unlimited one-way trips to plan-approved health-related locations with no copay or coinsurance, though transportation to any other health-related location is not covered.
Emergency Services See details
CareNeeds Extra (HMO D-SNP) covers emergency services with a $115 copay and no coinsurance, which is waived if admitted to the hospital within 24 hours, and urgent care with a 20% coinsurance (maximum $40) and no copay. Worldwide emergency, urgent, and transportation services are also covered, featuring a $115 copay, with an additional 20% coinsurance applicable to worldwide urgent care.
Primary Care See details
CareNeeds Extra (HMO D-SNP) covers primary care, specialist, therapy, and mental health services with no copay and a 20% coinsurance. Chiropractic care is partially covered, offering up to 12 routine visits per year with no copay and 20% coinsurance, while other chiropractic services are not covered.
Preventive Services See details
Preventive services are covered by CareNeeds Extra (HMO D-SNP) with no copay and no coinsurance for annual physical exams, kidney disease education, and other screenings. Additional preventive services are partially covered with no copay and no coinsurance (prior authorization required) for memory fitness, smoking cessation, chemotherapy wigs, and in-home support, while services like health education, personal emergency response systems, and nutritional therapy are not covered.
Hearing Services See details
CareNeeds Extra (HMO D-SNP) covers hearing services with no deductible, offering Medicare-covered exams, fitting evaluations, and OTC hearing aids for no copay and no coinsurance. Routine exams require a 20% coinsurance and no copay, while prescription hearing aids are partially covered with no copay or coinsurance up to $1,000 per ear annually, excluding inner, outer, and over-the-ear models.
Vision Services See details
CareNeeds Extra (HMO D-SNP) provides partially covered vision services, featuring one annual routine eye exam with no copay and 20% coinsurance, while other eye exams are not covered. Eyewear is covered with no copay or coinsurance up to a $300 annual limit for contact lenses and eyeglasses, but individual eyeglass lenses, frames, and upgrades are not covered.
Dental Services See details
Dental services are partially covered by CareNeeds Extra (HMO D-SNP), offering Medicare-covered dental services with no copay and a 20% coinsurance, and other preventive and comprehensive services with no copay and no coinsurance. However, fluoride treatments, maxillofacial prosthetics, implant services, fixed prosthodontics, and orthodontics are not covered.
Home Infusion bundled Services See details
CareNeeds Extra (HMO D-SNP) covers home infusion bundled services with prior authorization, featuring coinsurance ranging from no coinsurance up to 20% for chemotherapy, radiation, and other Part B drugs. Covered Part B insulin requires a $35 copay and up to 20% coinsurance, while other Part B drugs have no copay and chemotherapy drugs may require a copay.
Dialysis Services See details
Dialysis Services are covered under the CareNeeds Extra (HMO D-SNP) plan with no copay and a 20% coinsurance, subject to prior authorization and referral requirements.
Medical Equipment See details
CareNeeds Extra (HMO D-SNP) covers medical equipment with no copay and a 20% coinsurance for durable medical equipment, prosthetic devices, and medical supplies. Diabetic supplies and therapeutic shoes or inserts are also covered with no copay and no coinsurance, though prior authorization is required.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by CareNeeds Extra (HMO D-SNP), requiring prior authorization and referrals for all services. Diagnostic procedures and tests require a copay and 20% coinsurance, while lab services and all radiological services have no copay and a 20% coinsurance.
Home Health Services See details
CareNeeds Extra (HMO D-SNP) covers home health services with no copay and no coinsurance, though prior authorization and a referral are required.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are covered by CareNeeds Extra (HMO D-SNP) with no copay, though prior authorization and a referral are required. Some services are covered, but standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for peripheral artery disease are not covered and require a 20% coinsurance.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by CareNeeds Extra (HMO D-SNP) with no coinsurance, featuring no copay for days 1 to 20 and a $218 daily copay for days 21 to 100. Prior authorization and referrals are required, and any additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
CareNeeds Extra (HMO D-SNP) partially covers other services with no copay and no coinsurance, which includes acupuncture up to 25 treatments per year, chronic illness meal benefits, and over-the-counter items. Other unspecified services and highly integrated services for dual eligible SNPs are not covered by the plan.
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