A non-government entity
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 Kentucky. 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 $38.40. 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 is the amount you must pay out-of-pocket for your covered medications before the plan begins to pay its share. Specific drug coverage tier details, including individual copayments and coinsurance amounts for this plan, are currently unavailable. To understand your exact medication costs under this plan, it is recommended to review the comprehensive formulary or contact the plan provider directly.
Additional Benefits
The Humana Together in Health (PPO I-SNP) plan offers comprehensive medical coverage, featuring no copay and no coinsurance for primary care visits, preventive services, home health care, and skilled nursing facility stays. For acute inpatient hospital stays, members pay a $611 daily copay for the first four days and no copay thereafter, while emergency services carry a $115 copay. Most outpatient services, specialist visits, diagnostic tests, and durable medical equipment require no copay but are subject to a 20% coinsurance. This plan also includes key supplemental benefits to help lower out-of-pocket costs, such as preventive and comprehensive dental care with no copay and no coinsurance up to a $1,000 annual limit. Routine vision and hearing exams are covered with no copay and a 20% coinsurance, alongside a $300 annual eyewear allowance and no copay or coinsurance for over-the-counter items. Prescription hearing aids are also partially covered with no coinsurance and copays ranging from $0 to $299.
Inpatient Hospital See details
Humana Together in Health (PPO I-SNP) inpatient hospital services are partially covered with no coinsurance, though prior authorization is required. Acute inpatient stays require a $611 daily copay for days 1 through 4 and no copay for days 5 and beyond, while psychiatric stays carry a $1,872 copay per stay. Non-Medicare-covered stays, upgrades, and additional psychiatric days are not covered.
Outpatient Services See details
Humana Together in Health (PPO I-SNP) covers outpatient services with no copay, though a 20% coinsurance applies to outpatient hospital, observation, ambulatory surgical center, and outpatient substance abuse services. Outpatient blood services are covered with no copay, no coinsurance, and no deductible.
Partial Hospitalization See details
Partial hospitalization is covered by Humana Together in Health (PPO I-SNP) with no copay and a 20% coinsurance. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by Humana Together in Health (PPO I-SNP) with a 20% coinsurance and no copay for ground and air ambulance services, which require prior authorization. Transportation services to plan-approved or any health-related locations are not covered.
Emergency Services See details
Humana Together in Health (PPO I-SNP) covers emergency services with a $115 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services are covered with a 20% coinsurance (up to a $40 maximum) and no copay, while worldwide emergency, urgent, and transportation services are available with a $115 copay and no coinsurance.
Primary Care See details
Primary care benefits under the Humana Together in Health (PPO I-SNP) plan feature no copay and no coinsurance for primary care provider visits, physical, occupational, and speech therapy. Specialist visits, mental health, psychiatric, podiatry, and telehealth services are covered with no copay and a 20% coinsurance, while chiropractic services are not covered.
Preventive Services See details
Humana Together in Health (PPO I-SNP) covers preventive services, including annual physical exams, kidney disease education, and diabetes self-management training, with no copay and no coinsurance. Additional preventive benefits, such as fitness programs, health education, and in-home safety assessments, are not covered.
Hearing Services See details
Humana Together in Health (PPO I-SNP) covers routine hearing exams with a 20% coinsurance and no copay, while fittings and OTC hearing aids are available with no copay and no coinsurance. Prescription hearing aids are partially covered with no coinsurance and copays ranging from $0 to $299, though inner ear, outer ear, and over the ear prescription models are not covered.
Vision Services See details
Humana Together in Health (PPO I-SNP) covers routine eye exams with no copay and a 20% coinsurance up to a $40 annual limit, alongside eyewear coverage with no copay and no coinsurance up to a $300 annual limit. This benefit is partially covered, excluding other eye exam services, separate eyeglass lenses, separate eyeglass frames, and upgrades.
Dental Services See details
Humana Together in Health (PPO I-SNP) partially covers dental services, including Medicare-covered dental care with no copay and a 20% coinsurance. Other covered preventive and comprehensive services feature no copay and no coinsurance up to a $1,000 annual limit, though fluoride, implants, orthodontics, and maxillofacial prosthetics are not covered.
Home Infusion bundled Services See details
Humana Together in Health (PPO I-SNP) covers home infusion bundled services with prior authorization and step therapy. Covered Part B insulin carries a $35 copay and no coinsurance to 20% coinsurance, while other Part B drugs require no coinsurance to 20% coinsurance, featuring no copay for standard Part B drugs and an applicable copay for chemotherapy and radiation drugs.
Dialysis Services See details
Humana Together in Health (PPO I-SNP) covers Dialysis Services with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
Humana Together in Health (PPO I-SNP) covers medical equipment, including durable medical equipment, prosthetics, and diabetic supplies, with no copay and a 20% coinsurance. Prior authorization is required for these services, 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 all services requiring prior authorization. Members pay no copay and a 20% coinsurance for lab services, diagnostic procedures, therapeutic radiology, and outpatient X-rays, while diagnostic radiological services require both a copay and a 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, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the Humana Together in Health (PPO I-SNP) plan. This includes cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services, which are all excluded from coverage.
Skilled Nursing Facility (SNF) See details
Humana Together in Health (PPO I-SNP) covers skilled nursing facility (SNF) services for days 1 through 100 with no copay and no coinsurance, though prior authorization and a three-day inpatient hospital stay are required. Additional days beyond the standard Medicare-covered period are not covered.
Other Services See details
Humana Together in Health (PPO I-SNP) partially covers other services, which include acupuncture with no copay and 20% coinsurance for up to 20 treatments per year, and over-the-counter items with no copay and no coinsurance. Meal benefits and other additional services are not covered.
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