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Humana Together in Health (PPO I-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Humana Together in Health (PPO I-SNP). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Humana Together in Health (PPO I-SNP) in 2025, please refer to our full plan details page.
Humana Together in Health (PPO I-SNP) is a PPO I-SNP plan offered by Humana Inc. available for enrollment in 2025 to people living in Indiana. This plan received an overall rating of 3.5 out of 5 stars in 2025.
It's important to know that Humana Together in Health (PPO I-SNP) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Important:
Humana Together in Health (PPO I-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 Together in Health (PPO I-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 Together in Health (PPO I-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 $560.00 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 combined Maximum Out-Of-Pocket cost of $14000.00 (in-network or out-of-network combined). You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $14000.00 for covered services, the plan will pay 100% of covered costs for the rest of the year.
The plan may have separate out-pocket-maximums for in-network and out-of-network services. See our full plan details page for more information.
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 Together in Health (PPO I-SNP) plan has a $560 deductible for prescription drugs. Once the deductible is met, you'll pay a copay or coinsurance depending on the drug tier and pharmacy. For preferred generic drugs, you pay no copay at preferred pharmacies and preferred mail order, and a $20 copay at standard mail order. For other tiers, you'll pay 25% coinsurance. After your total drug costs reach $2000, you will enter the catastrophic coverage phase.
Additional Benefits
The Humana Together in Health (PPO I-SNP) plan offers comprehensive coverage with varying costs. Inpatient hospital stays have a copay, but many other services have no copay, including primary care, preventive services like annual exams, and home health services. The plan also covers outpatient services, ambulance, emergency services, hearing, vision, and dental services, with costs varying by service, often including a coinsurance. Other notable benefits include coverage for medical equipment, diagnostic services, and skilled nursing facility stays, with specific cost-sharing details outlined in the plan.
Inpatient Hospital See details
Inpatient Hospital benefits, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric, are covered. For Inpatient Hospital-Acute, you will pay a copay of $598 per day for days 1-4, and no copay for days 5-90, and no copay for additional days 91-999. Inpatient Hospital Psychiatric has a copay of $1872 per admission or per stay. Non-Medicare-covered stays and upgrades for Inpatient Hospital-Acute and Additional Days for Inpatient Hospital Psychiatric are not covered.
Outpatient Services See details
Outpatient services are covered by the Humana Together in Health (PPO I-SNP) plan, including outpatient hospital services, observation services, ambulatory surgical center services, outpatient substance abuse services, and outpatient blood services. Outpatient hospital and observation services have a 20% coinsurance, while outpatient blood services have no copay.
Partial Hospitalization See details
Partial Hospitalization is covered under the Humana Together in Health (PPO I-SNP) plan, but requires prior authorization. You will pay 20% coinsurance for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered, including ground and air ambulance services with a 20% coinsurance, and transportation services to plan-approved health-related locations with no copay for 36 one-way trips per year. Transportation services to any health-related location are not covered.
Emergency Services See details
Emergency Services, including Worldwide Emergency Services, are covered by the Humana Together in Health (PPO I-SNP) plan. Emergency Services have a $110 copay, while Urgently Needed Services have a 20% coinsurance, and Worldwide Emergency Services have a $110 copay for Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation.
Primary Care See details
The Humana Together in Health (PPO I-SNP) plan offers primary care services with no copay, and chiropractic services with no copay, but routine care is not covered. Occupational therapy services have no coinsurance and no copay. Physician specialist services have 20% coinsurance, while mental health specialty services, podiatry services, other health care professional services, psychiatric services, and opioid treatment program services all have 20% coinsurance. Physical therapy and speech-language pathology services have no copay and no coinsurance. Additional telehealth benefits have no copay and 20% coinsurance.
Preventive Services See details
The Humana Together in Health (PPO I-SNP) plan covers preventive services, including an annual physical exam with no copay. Other services include kidney disease education, glaucoma screening, diabetes self-management training, barium enemas, digital rectal exams, and EKG following a Welcome Visit, all with no copay. Additional preventive services such as health education, in-home safety assessments, and others are not covered.
Hearing Services See details
The Humana Together in Health (PPO I-SNP) plan covers hearing exams with a coinsurance of at most 20% and Medicare-covered benefits, and fitting/evaluation for hearing aids with no copay. Prescription hearing aids are covered with a copay between $99 and $699, and OTC hearing aids are covered up to $75 every three months.
Vision Services See details
Vision Services include eye exams with no copay and 20% coinsurance, and eyewear with no copay. Contact lenses and eyeglasses (lenses and frames) are covered, while eyeglass lenses, eyeglass frames and upgrades are not covered.
Dental Services See details
The Humana Together in Health (PPO I-SNP) plan covers dental services with a 20% coinsurance for Medicare dental services. Other dental services have a maximum benefit of $2,000 per year. Oral exams, dental x-rays, other diagnostic dental services, prophylaxis (cleaning), other preventive dental services, restorative services, adjunctive general services, endodontics, periodontics, prosthodontics (removable and fixed) and oral and maxillofacial surgery are covered with no copay, and some services have limits on the number of visits. 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 Chemotherapy/Radiation Drugs, Other Medicare Part B Drugs, and Medicare Part B Insulin Drugs. The plan has a $35 copay for Medicare Part B Insulin Drugs and a coinsurance between 0% and 20% for all services.
Dialysis Services See details
Dialysis Services are covered by the Humana Together in Health (PPO I-SNP) plan and require prior authorization. The coinsurance for dialysis services is 20%.
Medical Equipment See details
Medical Equipment is covered, including Durable Medical Equipment (DME) with 20% coinsurance, Prosthetics/Medical Supplies with 20% coinsurance, and Diabetic Equipment with a coinsurance and copay (see details), and Diabetic Supplies with 20% coinsurance and no copay. Durable Medical Equipment for use outside the home is not covered.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services, including diagnostic procedures, tests, lab services, and radiological services, are covered by Humana Together in Health (PPO I-SNP). Diagnostic Procedures/Tests and Diagnostic Radiological Services have a coinsurance of at most 20%, and Lab Services and Outpatient X-Ray Services have a coinsurance of at most 20% with no copay for Lab Services and Outpatient X-Ray Services.
Home Health Services See details
Home Health Services are covered by the Humana Together in Health (PPO I-SNP) plan with no copay and no coinsurance. However, additional hours of care and personal care services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered under the Humana Together in Health (PPO I-SNP) plan, but the specific services are not covered. Prior authorization is required for these services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Humana Together in Health (PPO I-SNP) plan, with no copay for days 1-100; however, additional days beyond Medicare-covered for SNF and non-Medicare-covered stays for SNF are not covered. Prior authorization is required.
Other Services See details
The Humana Together in Health (PPO I-SNP) plan covers acupuncture with a 20% coinsurance, and an annual limit of 20 treatments, requiring prior authorization. Over-the-counter (OTC) items are also covered, including nicotine replacement therapy and naloxone, with a maximum benefit of $75 every three months, which carries forward if unused. Other services, meal benefits, dual eligible SNPs, 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.
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