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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 Select Counties in Florida. 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 offers comprehensive prescription drug coverage with a $0 drug deductible, allowing your benefits to start right away. For Tier 1 preferred generics and Tier 2 generics, there is no copay when filled at standard pharmacies or through preferred mail order for both 1-month and 3-month supplies. Standard mail order deliveries for these generic tiers require a copay of $10 to $20 for a 1-month supply. For higher-tier medications, costs are structured as coinsurance rather than flat copays. Tier 3 preferred brand and Tier 4 non-preferred drugs carry a 25% coinsurance for standard pharmacy and mail order services. Tier 5 specialty drugs require a 33% coinsurance for a 1-month supply across all standard and preferred fulfillment channels.
Additional Benefits
The CareNeeds Extra (HMO D-SNP) plan offers comprehensive medical coverage, including inpatient hospital stays with no coinsurance and set copays of $2,230 for acute care and $2,080 for psychiatric care. Outpatient services, primary care, and specialist visits feature no copay but require a 20% coinsurance, while emergency room visits carry a $115 copay that is waived upon admission. Skilled nursing facility stays are also covered with no copay for the first 20 days, followed by a $218 daily copay for days 21 through 100. Enrollees benefit from no copay and no coinsurance for preventive services, home health care, dental treatments, and unlimited transportation to plan-approved health locations. Vision and hearing benefits include routine exams and hardware with no copays, though some services may require a 20% coinsurance or have annual coverage limits. Additionally, acupuncture, over-the-counter items, and chronic illness meals are fully covered with no copay and no coinsurance.
Inpatient Hospital See details
CareNeeds Extra (HMO D-SNP) offers partially covered inpatient hospital services with no coinsurance, requiring a $2,230 copay per stay for acute care and a $2,080 copay per stay for psychiatric care. Prior authorization and referrals are required, but upgrades and non-Medicare-covered stays are not covered.
Outpatient Services See details
Outpatient services under CareNeeds Extra (HMO D-SNP) are covered with no copay and a 20% coinsurance, which applies to outpatient hospital, 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 access this benefit.
Ambulance and Transportation Services See details
CareNeeds Extra (HMO D-SNP) covers ground and air ambulance services with a 20% coinsurance and no copay, subject to prior authorization. Transportation services are partially covered, offering unlimited one-way rides to plan-approved health-related locations with no copay and no coinsurance, while rides to any other health-related locations are 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 you are admitted to the hospital within 24 hours. Urgently needed services are covered with no copay and a 20% coinsurance (up to $40 per visit), while worldwide emergency, urgent, and transportation services require a $115 copay and up to 20% coinsurance.
Primary Care See details
CareNeeds Extra (HMO D-SNP) covers primary care, specialist, therapy, mental health, and podiatry services with no copay and 20% coinsurance, though prior authorizations or referrals may be required. Chiropractic services are partially covered with no copay and 20% coinsurance for up to 12 routine visits yearly, while other chiropractic services are not covered.
Preventive Services See details
CareNeeds Extra (HMO D-SNP) offers preventive services with no copay and no coinsurance for covered care, including annual physical exams, kidney disease education, and glaucoma screenings. The benefit is partially covered, as additional services like in-home support and memory fitness are covered with no copay, while health education, weight management programs, and in-home safety assessments are not covered.
Hearing Services See details
CareNeeds Extra (HMO D-SNP) covers hearing services with no copays for fitting evaluations, OTC hearing aids, and routine exams, although routine exams carry a 20% coinsurance. Prescription hearing aids are partially covered with no copay or coinsurance up to $1,000 per ear yearly, but inner ear, outer ear, and over the ear prescription hearing aids are not covered.
Vision Services See details
CareNeeds Extra (HMO D-SNP) offers partially covered vision services, featuring one routine eye exam yearly with no copay and 20% coinsurance, though other eye exams are not covered. Covered eyewear options like contact lenses and eyeglasses have no copay, no coinsurance, and a $300 annual limit, but separate eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
CareNeeds Extra (HMO D-SNP) provides partially covered dental services with no copay and no coinsurance for covered preventive and comprehensive treatments, while Medicare-covered dental services require a 20% coinsurance and no copay. Non-covered services include fluoride, endodontics, periodontics, implants, fixed prosthodontics, maxillofacial prosthetics, and orthodontics.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by CareNeeds Extra (HMO D-SNP), with prior authorization and step therapy required. Enrollees pay a $35 copay and 0% to 20% coinsurance for Part B insulin, no copay and 0% to 20% coinsurance for other Part B drugs, and 0% to 20% coinsurance for chemotherapy and radiation drugs.
Dialysis Services See details
Dialysis Services are covered under CareNeeds Extra (HMO D-SNP) with no copay and a 20% coinsurance. Prior authorization and a referral are required to receive these services.
Medical Equipment See details
CareNeeds Extra (HMO D-SNP) covers durable medical equipment, prosthetics, and medical supplies with a 20% coinsurance and no copay, subject to prior authorization. Diabetic supplies and therapeutic shoes are covered with no copay and no coinsurance, though prior authorization is required and manufacturer limits apply.
Diagnostic and Radiological Services See details
CareNeeds Extra (HMO D-SNP) covers diagnostic and radiological services with a 20% minimum coinsurance, requiring prior authorization and referrals for all services. While diagnostic procedures and tests require a copayment, lab services and radiological services (including X-rays) have no copay.
Home Health Services See details
Home Health Services are covered by CareNeeds Extra (HMO D-SNP) with no copay and no coinsurance, though prior authorization and a referral are required.
Cardiac Rehabilitation Services See details
CareNeeds Extra (HMO D-SNP) covers some cardiac rehabilitation services with no copay, but standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered and require a 20% coinsurance.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is partially covered by CareNeeds Extra (HMO D-SNP), with additional days beyond the standard Medicare-covered limit not covered. There is no coinsurance, offering no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, with prior authorization and referral required.
Other Services See details
Other services covered under the CareNeeds Extra (HMO D-SNP) plan include acupuncture, over-the-counter (OTC) items, and chronic illness meal benefits, all featuring no copay and no coinsurance. While acupuncture is limited to 25 treatments per year and requires prior authorization along with meals, highly integrated services for dual eligibles are not covered.
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