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Humana Dual Select H4461-077 (HMO D-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Humana Dual Select H4461-077 (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 H4461-077 (HMO D-SNP) in 2026, please refer to our full plan details page.
Humana Dual Select H4461-077 (HMO D-SNP) is a HMO D-SNP plan offered by Humana Inc. available for enrollment in 2026 to people living in Alabama. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that Humana Dual Select H4461-077 (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 H4461-077 (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 H4461-077 (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 H4461-077 (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 $540.00 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 $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 Humana Dual Select H4461-077 (HMO D-SNP) offers an enhanced alternative drug benefit with a $540.00 prescription drug deductible. If you qualify for the low-income subsidy, your Part D premium can be reduced to $0.00. After meeting the deductible, you will pay for prescription drugs under the initial coverage phase until total drug costs reach $2,100.00. Under this initial phase, Tier 1 preferred generics have no copay at standard pharmacies and preferred mail, but require a $20.00 copay via standard mail. Tier 2 standard generics and Tier 3 preferred brands require a 25% coinsurance, while Tier 4 non-preferred drugs carry a 26% coinsurance. Once your yearly out-of-pocket drug costs reach $2,100.00, you enter catastrophic coverage and pay nothing for Medicare Part D covered drugs.
Additional Benefits
The Humana Dual Select H4461-077 (HMO D-SNP) offers comprehensive healthcare coverage with predictable out-of-pocket costs, featuring no copay or coinsurance for primary care visits and routine preventive services. For hospital stays, members pay daily copays for the first three days of inpatient care with no coinsurance, while emergency room visits carry a $115 copay that is waived upon admission. Outpatient services and specialist visits are also highly accessible, requiring copays ranging from no copay to $525 depending on the procedure. This plan provides strong supplemental benefits, including dental care up to a $1,250 annual limit and vision coverage with no copay for eyewear up to a $300 yearly allowance. Routine hearing exams, over-the-counter items, and up to 36 one-way transportation trips per year are available with no copay or coinsurance. Additionally, skilled nursing facility stays feature no copay for the first 20 days, ensuring affordable recovery and support options.
Inpatient Hospital See details
Inpatient hospital services are partially covered by Humana Dual Select H4461-077 (HMO D-SNP) with no coinsurance, featuring a $650 daily copay for days 1 to 3 of acute stays and a $615 daily copay for days 1 to 3 of psychiatric stays, followed by no copay for remaining covered days. Upgrades, non-Medicare-covered stays, and additional days for psychiatric stays are not covered.
Outpatient Services See details
Humana Dual Select H4461-077 (HMO D-SNP) covers outpatient services with no coinsurance, featuring copays ranging from no copay to $525 for outpatient hospital services and a $650 copay per stay for observation services. Ambulatory surgical center and outpatient blood services are covered with no copay and no coinsurance, while outpatient substance abuse sessions require a $35 copay and no coinsurance.
Partial Hospitalization See details
Partial hospitalization benefits are covered by Humana Dual Select H4461-077 (HMO D-SNP) with a $35.00 copay and no coinsurance. Prior authorization is required for these services.
Ambulance and Transportation Services See details
Humana Dual Select H4461-077 (HMO D-SNP) covers ground ambulance services with a $335 copay and no coinsurance, and air ambulance services with a 20% coinsurance and no copay. Transportation services are partially covered, offering up to 36 one-way trips per year to plan-approved locations with no copay or coinsurance, while transportation to any health-related location is not covered. Prior authorization is required for both ambulance and transportation services.
Emergency Services See details
Humana Dual Select H4461-077 (HMO D-SNP) covers emergency services with a $115 copay and no coinsurance, which is waived if admitted to the hospital within 24 hours. Urgently needed services require a $40 copay, while worldwide emergency, urgent, and transportation services require a $115 copay, all with no coinsurance.
Primary Care See details
Humana Dual Select H4461-077 (HMO D-SNP) covers primary care physician services with no copay and no coinsurance. Specialist visits, therapy, chiropractic, podiatry, and mental health services are also covered with copays ranging from $15 to $40 and no coinsurance.
Preventive Services See details
Humana Dual Select H4461-077 (HMO D-SNP) partially covers preventive services with no copay and no coinsurance for covered benefits like annual physical exams, kidney disease education, and select in-home support. Sub-services that are not covered under this plan include Health Education, In-Home Safety Assessment, Personal Emergency Response System (PERS), Medical Nutrition Therapy (MNT), Post discharge In-Home Medication Reconciliation, Re-admission Prevention, Weight Management Programs, Alternative Therapies, Therapeutic Massage, Adult Day Health Services, Nutritional/Dietary Benefit, Home-Based Palliative Care, Support for Caregivers of Enrollees, Enhanced Disease Management, Telemonitoring Services, Remote Access Technologies, Home and Bathroom Safety Devices and Modifications, and Counseling Services.
Hearing Services See details
Humana Dual Select H4461-077 (HMO D-SNP) covers hearing exams with a $40 copay and no coinsurance for Medicare-covered exams, and no copay or coinsurance for annual routine exams, fitting evaluations, and over-the-counter hearing aids. Prescription hearing aids are partially covered with no copay or coinsurance for general prescription hearing aids (up to two every three years), but inner ear, outer ear, and over-the-ear models are not covered.
Vision Services See details
Humana Dual Select H4461-077 (HMO D-SNP) offers partially covered vision services, featuring a $0 to $40 copay for eye exams and no copay or coinsurance for covered eyewear up to a $300 annual limit. While routine eye exams, contact lenses, and complete eyeglasses are covered, separate eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
Dental services are partially covered by Humana Dual Select H4461-077 (HMO D-SNP) up to a $1,250 annual limit, with a $40 copay and no coinsurance for Medicare-covered dental, and no copay or coinsurance for most preventive and comprehensive services. Fluoride treatment, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by Humana Dual Select H4461-077 (HMO D-SNP), requiring prior authorization and step therapy. Covered Part B insulin drugs require a $35 copay and no coinsurance to 20% coinsurance, other Part B drugs have no copay and no coinsurance to 20% coinsurance, and chemotherapy drugs require a copay along with no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered by the Humana Dual Select H4461-077 (HMO D-SNP) plan with a 20% coinsurance and no copay. Prior authorization is required to receive these covered services.
Medical Equipment See details
Medical equipment benefits are covered by Humana Dual Select H4461-077 (HMO D-SNP), including durable medical equipment, prosthetics, and diabetic supplies, generally requiring a 20% coinsurance and no copay. Prior authorization is required for these services, which also cover diabetic therapeutic shoes and inserts with no copay.
Diagnostic and Radiological Services See details
Humana Dual Select H4461-077 (HMO D-SNP) covers diagnostic and radiological services, subject to prior authorization. Lab services and outpatient X-rays feature no copay or coinsurance, while diagnostic tests cost up to a $45 copay, diagnostic radiology ranges from a $0 to $780 copay, and therapeutic radiology requires a $40 copay and 20% coinsurance.
Home Health Services See details
Humana Dual Select H4461-077 (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 H4461-077 (HMO D-SNP) technically covers some services under Cardiac Rehabilitation Services, but in practice, cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and SET for PAD services are not covered. Consequently, there are no copays or coinsurance options available for these non-covered services.
Skilled Nursing Facility (SNF) See details
Humana Dual Select H4461-077 (HMO D-SNP) partially covers Skilled Nursing Facility (SNF) services, requiring no copay or coinsurance for days 1 through 20, and a $218 daily copay with no coinsurance for days 21 through 100. Prior authorization is required for these services, and additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Humana Dual Select H4461-077 (HMO D-SNP) partially covers Other Services, excluding Dual Eligible SNPs with Highly Integrated Services. Covered benefits include acupuncture for a $40 copay and no coinsurance, alongside over-the-counter items and meal benefits with no copay and no coinsurance.
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