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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 2026, 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 Select Counties in Iowa. This plan received an overall rating of 3.5 out of 5 stars in 2026.
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 $41.50. 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 $615.00 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 $13900.00 (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 $13900.00 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) Medicare plan features an annual prescription drug deductible of $615. This deductible represents the amount you must pay out-of-pocket for your covered medications before the plan begins to pay its share. Knowing this upfront cost is essential for estimating your yearly healthcare expenses with this plan. Specific details regarding copayments, coinsurance, and drug tier coverage are currently unavailable for this plan. To fully understand your potential out-of-pocket costs for specific prescriptions, you may want to contact the plan provider directly for a complete formulary. This ensures you have all the necessary pricing information before making your enrollment decision.
Additional Benefits
The Humana Together in Health (PPO I-SNP) plan offers robust coverage for essential medical needs, featuring no copay and no coinsurance for primary care, physical therapy, home health, and skilled nursing facility stays up to 100 days. For inpatient acute hospital care, members pay a $611 daily copay for the first four days and no copay thereafter, while emergency room visits incur a $115 copay. Most outpatient services, specialist visits, and diagnostic tests require no copay but are subject to a 20% coinsurance. In addition to core medical care, this plan provides valuable supplemental benefits including dental, vision, and hearing coverage. Preventive and comprehensive dental services are covered with no copay and no coinsurance up to a $2,000 annual limit, and routine eyewear is also fully covered up to a $550 yearly limit. Members also benefit from over-the-counter items with no copay and no coinsurance, alongside affordable options for hearing aids and routine hearing exams.
Inpatient Hospital See details
Humana Together in Health (PPO I-SNP) partially covers inpatient hospital services with no coinsurance, excluding upgrades and non-Medicare-covered stays. Acute care requires a $611 daily copay for days 1 through 4 (with no copay for days 5 and beyond), while psychiatric care requires a $1,872 copay per stay, both requiring prior authorization.
Outpatient Services See details
Outpatient services under the Humana Together in Health (PPO I-SNP) plan are covered with no copays, though outpatient hospital, ambulatory surgical center, and substance abuse services require prior authorization and a 20% coinsurance. Outpatient blood services are fully covered with no copay and no coinsurance.
Partial Hospitalization See details
Humana Together in Health (PPO I-SNP) covers partial hospitalization services with no copay and a 20% coinsurance. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
Humana Together in Health (PPO I-SNP) covers ground and air ambulance services with a 20% coinsurance and no copay, subject to prior authorization. Transportation services are not covered by the plan, including trips to plan-approved or any health-related locations.
Emergency Services See details
Emergency services are covered by Humana Together in Health (PPO I-SNP) with a $115 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services require a 20% coinsurance with no copay, while worldwide emergency, urgent, and transportation services are covered with a $115 copay and no coinsurance.
Primary Care See details
Humana Together in Health (PPO I-SNP) covers primary care, occupational therapy, physical therapy, and speech-language pathology with no copay and no coinsurance. Specialist, mental health, psychiatric, podiatry, telehealth, and opioid treatment services require no copay and a 20% coinsurance, while some chiropractic services are covered but routine and other chiropractic care are not covered.
Preventive Services See details
Humana Together in Health (PPO I-SNP) preventive services are partially covered with no copay and no coinsurance for annual physicals, kidney disease education, glaucoma screenings, diabetes self-management training, digital rectal exams, and EKGs. Additional preventive services are not covered, including health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, additional smoking cessation, fitness benefits, disease management, telemonitoring, remote access technologies, home modifications, and counseling.
Hearing Services See details
Hearing services are covered by Humana Together in Health (PPO I-SNP), including annual routine exams with a 20% coinsurance and no copay, and OTC hearing aids with no copay or coinsurance. Prescription hearing aids are partially covered with no coinsurance and copays ranging from $0 to $599, though inner ear, outer ear, and over the ear models are not covered.
Vision Services See details
Vision services are partially covered by Humana Together in Health (PPO I-SNP), featuring routine eye exams with no copay and 20% coinsurance up to a $40 annual limit. Covered eyewear, including one pair of contact lenses or eyeglasses per year, has no copay and no coinsurance up to a $550 annual limit, while other eye exams, individual eyeglass lenses, individual eyeglass frames, and upgrades are not covered.
Dental Services See details
Humana Together in Health (PPO I-SNP) dental services are partially covered, featuring no copay and no coinsurance for most preventive and comprehensive care up to a $2,000 annual limit, while Medicare-covered dental has no copay and a 20% coinsurance. Fluoride treatments, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Humana Together in Health (PPO I-SNP) covers home infusion bundled services subject to prior authorization and step therapy. Under this benefit, covered Part B insulin requires a $35 copay and 0% to 20% coinsurance, other Part B drugs feature no copay and 0% to 20% coinsurance, and chemotherapy drugs require a copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered by Humana Together in Health (PPO I-SNP) with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
Humana Together in Health (PPO I-SNP) covers durable medical equipment, prosthetics, medical supplies, and diabetic services with no copay and a 20% coinsurance. Prior authorization is required for these benefits, and diabetic supplies are limited to specified manufacturers.
Diagnostic and Radiological Services See details
Humana Together in Health (PPO I-SNP) covers diagnostic and radiological services with prior authorization and a 20% coinsurance. There is no copay for diagnostic procedures, lab services, therapeutic radiological services, and outpatient X-rays, while diagnostic radiological services require a copay in addition to the 20% coinsurance.
Home Health Services See details
Home Health Services are covered by Humana Together in Health (PPO I-SNP) with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered under the Humana Together in Health (PPO I-SNP) plan with prior authorization, requiring a 20% coinsurance and no copay for both standard and intensive cardiac rehabilitation. Pulmonary rehabilitation services require a $15 copay and no coinsurance, while supervised exercise therapy (SET) for peripheral artery disease (PAD) has a $20 copay and no coinsurance.
Skilled Nursing Facility (SNF) See details
Humana Together in Health (PPO I-SNP) covers Skilled Nursing Facility (SNF) services for Medicare-covered days 1 through 100 with no copay and no coinsurance, though prior authorization and a prior three-day inpatient hospital stay are required. Additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Other services under the Humana Together in Health (PPO I-SNP) are partially covered, featuring acupuncture with no copay and 20% coinsurance for up to 20 treatments per year, as well as over-the-counter items with no copay and no coinsurance. Meal benefits are not covered under this plan.
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