HumanaChoice - Diabetes and Heart (PPO C-SNP)

HumanaChoice - Diabetes and Heart (PPO C-SNP) is a PPO C-SNP plan offered by Humana Insurance Company available for the 2026 plan year to people living in Select Counties in IL. This plan received an overall rating of 3.5 out of 5 stars in 2026.

It's important to know that HumanaChoice - Diabetes and Heart (PPO C-SNP) 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 HumanaChoice - Diabetes and Heart (PPO C-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.

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:

Drug Coverage

The HumanaChoice - Diabetes and Heart (PPO C-SNP) prescription drug plan has an annual drug deductible of $615. You will pay no copay for Tier 1 preferred generic and Tier 2 generic medications when using standard pharmacies or preferred mail order. However, standard mail order for these generic tiers requires a copay, ranging from $10 to $30 for Tier 1 and $20 to $60 for Tier 2 depending on the supply. For Tier 3 preferred brand drugs, Tier 4 non-preferred drugs, and Tier 5 specialty drugs, you will pay a 25% coinsurance across standard pharmacies and mail order services. Tier 6 select care drugs are highly affordable, requiring no copay for both 1-month and 3-month supplies at all standard pharmacies and mail order options. This plan provides excellent savings on generic and select care medications while utilizing coinsurance for brand and specialty prescriptions.

Additional Benefits

The HumanaChoice - Diabetes and Heart (PPO C-SNP) plan offers comprehensive medical coverage, featuring no copay and a 20% coinsurance for primary care, specialist visits, outpatient services, and diagnostic tests. Inpatient hospital stays require a copay of $2,230 per stay with no coinsurance, while skilled nursing facility care is available with no copay for the first 20 days. Emergency care is covered with a $115 copay, which is waived if you are admitted, and ground ambulance services require a $335 copay. This plan also includes valuable supplemental benefits, such as dental care with a $3,000 annual limit and no copay for routine cleanings, alongside vision and hearing benefits that feature no deductibles. Additionally, members benefit from home health services, over-the-counter items, and chronic illness meals with no copay or coinsurance, plus up to 24 one-way transportation trips per year to plan-approved locations.

Plan Providers

Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, Health Care Service Corporation, HealthSpring^SM, HealthSun, Healthy Blue, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint.