A non-government entity
Humana Community Select (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Humana Community Select (HMO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Humana Community Select (HMO) in 2025, please refer to our full plan details page.
Humana Community Select (HMO) is a HMO plan offered by Humana Inc. available for enrollment in 2025 to people living in Chicago area. This plan received an overall rating of 4 out of 5 stars in 2025.
It's important to know that Humana Community Select (HMO) 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 Community Select (HMO).
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 Community Select (HMO), 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. Additionally, this plan comes with a Part B Premium reduction of $22.00. You must continue to pay paying your reduced 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 $2500.00 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:
Sign up for Humana Community Select (HMO)
Need help deciding? Talk with one of our licensed insurance specialists 1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
Drug Coverage
The Humana Community Select (HMO) plan has an enhanced alternative drug benefit. This plan has no deductible. During the initial coverage phase, you will pay a copay or coinsurance depending on the drug tier and pharmacy. For example, preferred generic drugs have a $5 copay at preferred mail and standard mail pharmacies, while standard generic drugs have a $47 copay at standard pharmacies. Once your total drug costs reach $2,000, you enter the next coverage phase.
Additional Benefits
The Humana Community Select (HMO) plan offers coverage for a variety of services with varying costs. Inpatient hospital stays have a copay, while outpatient services and preventive services often have no copay. The plan also covers hearing, vision, and dental services, with copays for exams and some procedures, and offers benefits like home health services with no copay. Emergency services, ambulance services, and diagnostic services are covered, but may involve copays or coinsurance. The plan also provides coverage for home infusion and dialysis services, with prior authorization required for some services. Other benefits include acupuncture, over-the-counter items, and a meal benefit, while also excluding coverage for other services.
Inpatient Hospital See details
Inpatient Hospital coverage includes acute and psychiatric care. For days 1-7, the copay is $280, and there is no copay for days 8-999.
Outpatient Services See details
Outpatient Services for Humana Community Select (HMO) include coverage for Outpatient Hospital Services with a copay between $0 and $150, and Observation Services with a $280 copay. Ambulatory Surgical Center (ASC) Services and Outpatient Blood Services have no copay, while Individual and Group Sessions for Outpatient Substance Abuse have copays between $10 and $90.
Partial Hospitalization See details
Partial Hospitalization is covered by the Humana Community Select (HMO) plan, but requires prior authorization. You will have a $55 copay for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by Humana Community Select (HMO), with a $315 copay for ground ambulance services and 20% coinsurance for air ambulance services. Transportation Services to any health-related location are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered by the Humana Community Select (HMO) plan. Emergency Services have a $140 copay, and Urgently Needed Services have a $65 copay, while Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation all have a $140 copay.
Primary Care See details
Humana Community Select (HMO) covers primary care services with no copay, physician specialist services with a $10 copay, and physical therapy with a $25 copay. Additional telehealth benefits have a copay between $0 and $65. Chiropractic services are partially covered, as routine care is not covered.
Preventive Services See details
Preventive Services include an annual physical exam with no copay, and additional services like glaucoma screening, diabetes self-management training, barium enemas, digital rectal exams, and EKG following a welcome visit, all with no copay. Other preventive services such as health education, in-home safety assessments, and several others are not covered.
Hearing Services See details
Hearing Services include hearing exams with a $10 copay, routine hearing exams with no copay, and fitting/evaluation for hearing aids with no copay. Prescription hearing aids are partially covered, but inner ear, outer ear, and over the ear prescription hearing aids are not covered. OTC hearing aids are covered up to $175 every three months.
Vision Services See details
The Humana Community Select (HMO) plan covers vision services, including routine eye exams with a copay of $0-$10, and eyewear with no copay, with a combined maximum benefit of $300 per year. Contact lenses and eyeglasses (lenses and frames) are covered with no copay, and you are limited to one pair per year. Eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
The Humana Community Select (HMO) plan covers Medicare Dental Services with a $10 copay, as well as other dental services. Oral exams, dental x-rays, other diagnostic dental services, prophylaxis (cleaning), and other preventive dental services are covered with no copay. Restorative services and prosthodontics (removable and fixed) have a 30-40% coinsurance and no copay, while fluoride treatment, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, including Medicare Part B Insulin Drugs, Medicare Part B Chemotherapy/Radiation Drugs, and Other Medicare Part B Drugs, with a $35 copay for Medicare Part B Insulin Drugs, and a coinsurance between 0% and 20% for all drugs. Prior authorization is required.
Dialysis Services See details
Dialysis Services are covered by Humana Community Select (HMO), but require prior authorization and a doctor's referral. The coinsurance for this service is 20%.
Medical Equipment See details
Medical Equipment, including Durable Medical Equipment, Prosthetics, Medical Supplies, and Diabetic Equipment, is covered by the Humana Community Select (HMO) plan. For Durable Medical Equipment, there is a 20% coinsurance and prior authorization is required. Prosthetics/Medical Supplies have a 20% coinsurance. For Diabetic Supplies, there is a 10-20% coinsurance with no copay, and for Diabetic Therapeutic Shoes/Inserts there is no copay.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered by Humana Community Select (HMO). Diagnostic Procedures/Tests have a copay between $0 and $65, while Lab Services have no copay. Diagnostic Radiological Services have a copay up to $280, and Therapeutic Radiological Services have 20% coinsurance. Outpatient X-Ray Services have no copay.
Home Health Services See details
Home Health Services are covered under the Humana Community Select (HMO) plan with no copay and no coinsurance. Additional Hours of Care and Personal Care Services are not covered.
Cardiac Rehabilitation Services See details
The Humana Community Select (HMO) plan does not cover Cardiac Rehabilitation Services, Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, or SET for PAD Services. Prior authorization and a doctor's referral are required for covered Cardiac Rehabilitation Services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered under the Humana Community Select (HMO) plan, but require prior authorization and a doctor's referral. For days 1-20, the copay is $20, and for days 21-100, the copay is $203.
Other Services See details
Under "Other Services", Humana Community Select (HMO) covers acupuncture with a $10 copay, and covers over-the-counter items with a maximum benefit of $175 every three months; it also covers a meal benefit with no copay. However, 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 are not covered.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
*/SMID: MULTIPLAN_HCIHNMEDADVRX25_HCI_M
MedicareAdvantageRX.com is owned and operated by Dog Media Solutions LLC.
This is a promotional communication.
Every year, Medicare evaluates plans based on a 5-star rating system.
Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
* Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.
Enrollment in Medicare/Medicare Advantage may be limited to certain times of the year unless you qualify for a Special Enrollment Period
We do not offer every plan available in your area. Currently, we represent 18 organizations, which offer 52,101 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
We represent Medicare Advantage HMO, PPO and PFFS organizations and stand-alone PDP prescription drug plans that are contracted with Medicare. Enrollment depends on the plan's contract renewal.
Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.
Please contact Medicare.gov ,1-800-MEDICARE , or your local State Health Insurance Program (SHIP) to get information on all of your options.
Medicare has neither approved nor endorsed any information on this site.
Speak with a licensed insurance agent: 1-877-649-2073 / TTY 711 | 8am - 11pm ET | 7 days a week
© 2023 Dog Media Solutions LLC. All rights reserved