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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 Kentucky. 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 $510.00 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:
Sign up for Humana Together in Health (PPO I-SNP)
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Drug Coverage
The Humana Together in Health (PPO I-SNP) plan has a $510 deductible for prescription drugs. After the deductible is met, you will pay a copay or coinsurance depending on the drug tier and pharmacy. For Tier 1 preferred generic drugs, there is no copay at preferred pharmacies and preferred mail order, and a $20 copay at standard mail order. For other tiers, you will pay 25% coinsurance. After your total yearly drug costs reach $2000, you will pay nothing for covered Part D drugs.
Additional Benefits
The Humana Together in Health (PPO I-SNP) plan offers a range of benefits with varying cost-sharing. Inpatient hospital stays have a copay, while outpatient services and partial hospitalization have coinsurance. Emergency services have a copay, and ambulance services have coinsurance, while transportation to plan-approved locations has no copay. Primary care visits and chiropractic services have no copay, while specialist visits and mental health services have coinsurance. Hearing and vision services include exams and hearing aids with no copay. Dental services have no copay for many services, with a maximum annual benefit. Other covered services include home health, skilled nursing, and medical equipment, which may have copays or coinsurance.
Inpatient Hospital See details
Inpatient Hospital benefits are covered by the Humana Together in Health (PPO I-SNP) plan. For Inpatient Hospital-Acute, you will pay a copay of $598 for days 1-4, and no copay for days 5-90, and for Additional Days for Inpatient Hospital-Acute, you will pay no copay for days 91-999. Inpatient Hospital Psychiatric has a copay of $1872.
Outpatient Services See details
Outpatient Services include coverage for 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, with a 20% coinsurance for both ground and air ambulance services. Transportation Services to a plan-approved health-related location are covered with no copay, offering 36 one-way trips per year via taxi, bus/subway, or medical transport; transportation to any other health-related location is 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.
Primary Care See details
The Humana Together in Health (PPO I-SNP) plan covers primary care physician services and chiropractic services with no copay, and covers occupational therapy services with no coinsurance and no copay. Physician specialist services, mental health specialty services, podiatry services, other health care professional services, psychiatric services, and opioid treatment program services are covered with 20% coinsurance. Physical therapy and speech-language pathology services have no copay and no coinsurance, and additional telehealth benefits are covered with a 20% coinsurance and no copay.
Preventive Services See details
The Humana Together in Health (PPO I-SNP) plan covers preventive services, including an annual physical exam with no copay. Additional preventive services are partially covered, with the following services not covered: health education, in-home safety assessment, personal emergency response system (PERS), medical nutrition therapy (MNT), post discharge in-home medication reconciliation, re-admission prevention, wigs for hair loss related to chemotherapy, weight management programs, alternative therapies, therapeutic massage, adult day health services, nutritional/dietary benefit, home-based palliative care, in-home support services, support for caregivers of enrollees, additional sessions of smoking and tobacco cessation counseling, fitness benefit, enhanced disease management, telemonitoring services, remote access technologies, home and bathroom safety devices and modifications, and counseling services.
Hearing Services See details
Humana Together in Health (PPO I-SNP) covers hearing services, including hearing exams with a coinsurance of at most 20% and a copay for Medicare-covered benefits and fitting/evaluation for hearing aids with no copay. Prescription hearing aids (all types) have a copay between $99 and $699, while OTC hearing aids are covered up to $75 every three months.
Vision Services See details
Vision services include eye exams with a 20% coinsurance and no copay, and eyewear with no copay. 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, including 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. Medicare dental services have a 20% coinsurance, and other dental services have a maximum benefit of $2000 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 (fixed and removable), and oral and maxillofacial surgery have no copay. However, fluoride treatment, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, with prior authorization required. Insulin drugs have a $35 copay and a coinsurance between 0-20%. Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs have a coinsurance between 0-20%, and Other Medicare Part B Drugs have no copay.
Dialysis Services See details
Dialysis Services are covered by the Humana Together in Health (PPO I-SNP) plan. There is a 20% coinsurance for this benefit.
Medical Equipment See details
Medical Equipment benefits are covered, including Durable Medical Equipment with 20% coinsurance and Prosthetic Devices and Medical Supplies with a 20% coinsurance. Diabetic Supplies have no copay and 20% coinsurance, and Diabetic Therapeutic Shoes/Inserts have no copay.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered, with prior authorization required. For Diagnostic Procedures/Tests, you may pay up to 20% coinsurance. For Lab Services, you will pay no copay and up to 20% coinsurance. For Diagnostic Radiological Services, Therapeutic Radiological Services, and Outpatient X-Ray Services, you may pay up to 20% coinsurance, while Outpatient X-Ray Services have no copay.
Home Health Services See details
Home Health Services are covered under the Humana Together in Health (PPO I-SNP) plan with no copay and no coinsurance, but additional hours of care and personal care services are not covered. Prior authorization is required for this benefit.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by Humana Together in Health (PPO I-SNP), but the plan does not specify any cost-sharing information for these services. This benefit requires prior authorization.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Humana Together in Health (PPO I-SNP) plan, with a $0 copay for days 1-100. Additional days beyond Medicare-covered, and non-Medicare-covered stays for SNF are not covered.
Other Services See details
The Humana Together in Health (PPO I-SNP) plan covers acupuncture with a 20% coinsurance and over-the-counter (OTC) items with a maximum benefit of $75 every three months. Other services such as meal benefits, case management, and home and community based services are not covered.
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