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Humana Full Access H7617-008 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Humana Full Access H7617-008 (PPO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Humana Full Access H7617-008 (PPO) in 2026, please refer to our full plan details page.
Humana Full Access H7617-008 (PPO) is a PPO plan offered by Humana Inc. available for enrollment in 2026 to people living in Select Counties in Missouri, Illinois. This plan received an overall rating of 4.5 out of 5 stars in 2026.
It's important to know that Humana Full Access H7617-008 (PPO) 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 Humana Full Access H7617-008 (PPO).
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 Full Access H7617-008 (PPO), 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. Additionally, this plan comes with a Part B Premium reduction of $2.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan has a $400.00 health deductible. This means, every calendar year, you pay this amount towards covered services before your insurance coverage kicks in.
This plan has a $400.00 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 $5000.00 (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 $5000.00 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 Full Access H7617-008 (PPO) Medicare prescription drug plan features an annual drug deductible of $400. For Tier 1 preferred generics, you will pay no copay for a 1-month or 3-month supply at standard pharmacies and through preferred mail order. Tier 2 generics are also highly affordable, costing a $10 copay for a 1-month supply at standard pharmacies, or no copay for a 3-month supply when using preferred mail order. Tier 3 preferred brand drugs require a $47 copay for a 1-month supply, with 3-month options starting at $131 through preferred mail order. Higher-tier medications carry coinsurance costs instead of flat copays, with Tier 4 non-preferred drugs requiring 50% coinsurance and Tier 5 specialty drugs requiring 28% coinsurance for a 1-month supply. Choosing preferred mail order delivery generally offers the lowest out-of-pocket costs for your prescriptions under this plan.
Additional Benefits
The Humana Full Access H7617-008 (PPO) plan offers comprehensive medical coverage with no copay and no coinsurance for primary care visits, preventive services, and home health care. Specialist visits and therapy services require a $30 copay, while inpatient hospital stays have a $375 daily copay for the first seven days and no copay for subsequent days. Emergency room visits carry a $130 copay, which is waived upon admission, and outpatient hospital services range from no copay to a $300 copay. For additional care, the plan provides a generous dental benefit with a $3,500 annual maximum and no copay for most preventive and comprehensive services. Routine eye exams, routine hearing exams, and over-the-counter hearing aids are also covered with no copay and no coinsurance. Essential medical equipment and supplies are covered with coinsurance, requiring a 10% coinsurance for diabetic supplies and a 20% coinsurance for durable medical equipment.
Inpatient Hospital See details
Humana Full Access H7617-008 (PPO) partially covers inpatient hospital services with no coinsurance, requiring a $375 daily copay for days 1 through 7 of acute stays (with no copay for days 8 and beyond) and a $334 daily copay for days 1 through 7 of psychiatric stays (with no copay for days 8 through 90). Prior authorization is required, and upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Humana Full Access H7617-008 (PPO) covers outpatient services with no coinsurance, though prior authorization is required for most treatments. Patients will pay no copay for ambulatory surgical center and blood services, while outpatient hospital services range from a $0 to $300 copay, observation services require a $375 copay per stay, and outpatient substance abuse sessions carry a $30 to $35 copay.
Partial Hospitalization See details
Partial hospitalization is covered by Humana Full Access H7617-008 (PPO) with a $35.00 copay and no coinsurance, though prior authorization is required.
Ambulance and Transportation Services See details
Humana Full Access H7617-008 (PPO) covers ground ambulance services with a $335 copay and no coinsurance, and air ambulance services with a 20% coinsurance and no copay, both requiring prior authorization. While transportation services are technically covered, trips to plan-approved or any health-related locations are not covered.
Emergency Services See details
Humana Full Access H7617-008 (PPO) covers emergency services with a $130 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services require a $50 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with a $130 copay and no coinsurance.
Primary Care See details
Humana Full Access H7617-008 (PPO) covers primary care physician services with no copay and no coinsurance, while specialist, therapy, psychiatric, and mental health services require a $30 copay and no coinsurance. Telehealth services have a $0 to $50 copay and no coinsurance, opioid treatment has a $30 to $35 copay and no coinsurance, and chiropractic and podiatry services are not covered.
Preventive Services See details
Humana Full Access H7617-008 (PPO) preventive services are partially covered, providing annual exams, kidney disease education, and memory fitness with no copay and no coinsurance. Sub-services that are not covered include health education, weight management, counseling, in-home safety assessments, and alternative therapies.
Hearing Services See details
Humana Full Access H7617-008 (PPO) hearing services feature no deductible, with a $30 copay for Medicare-covered exams and no copay for routine exams and fittings, all with no coinsurance. Prescription hearing aids are partially covered with copays from $699 to $999 and no coinsurance, though inner ear, outer ear, and over the ear types are not covered. Over-the-counter (OTC) hearing aids are covered with no copay and no coinsurance.
Vision Services See details
Humana Full Access H7617-008 (PPO) partially covers vision services with no deductible, no coinsurance, and no copay for covered services, though prior authorization is required. Routine eye exams (up to $75 annually) and contact lenses or eyeglasses (up to $150 annually) are covered, while other eye exams, individual eyeglass lenses, individual frames, and upgrades are not covered.
Dental Services See details
Humana Full Access H7617-008 (PPO) offers partially covered dental services with a $3,500 annual maximum benefit, featuring no copays and no coinsurance for most preventive and comprehensive care, while prosthodontics require a 30% coinsurance and no copay, and Medicare-covered dental has a $30 copay and no coinsurance. Fluoride treatments, implant services, orthodontics, and maxillofacial prosthetics are not covered under this plan.
Home Infusion bundled Services See details
Humana Full Access H7617-008 (PPO) covers home infusion bundled services with no copay, though prior authorization is required. Associated Medicare Part B chemotherapy, radiation, and other drugs carry no coinsurance to 20% coinsurance, while Part B insulin drugs require a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Humana Full Access H7617-008 (PPO) covers dialysis services with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
Humana Full Access H7617-008 (PPO) covers durable medical equipment (DME) and prosthetic devices with a 20% coinsurance and no copay. Medical supplies are covered with a 15% coinsurance and no copay, while diabetic supplies require a 10% coinsurance with no copay, and diabetic therapeutic shoes or inserts have a $10 copay with no coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered by the Humana Full Access H7617-008 (PPO) plan, though prior authorization is required. Diagnostic procedures and tests have a $0 to $50 copay with a minimum 20% coinsurance, while lab services require no copay. Radiological services feature no coinsurance, with no copay for diagnostic radiology and outpatient X-rays, and a $30 copay for therapeutic radiology.
Home Health Services See details
Humana Full Access H7617-008 (PPO) covers home health services with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by Humana Full Access H7617-008 (PPO) with no coinsurance, though prior authorization is required. While some services are covered, standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered under this plan.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is partially covered by Humana Full Access H7617-008 (PPO) with no coinsurance, requiring a $10 daily copay for days 1 to 20 and a $218 daily copay for days 21 to 100. Prior authorization is required, a prior 3-day inpatient hospital stay is not needed, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Humana Full Access H7617-008 (PPO) covers acupuncture with a $30 copay and no coinsurance for up to 20 treatments yearly, alongside over-the-counter items and chronic illness meal benefits with no copay and no coinsurance. Prior authorization is required for acupuncture and meal benefits, while other miscellaneous additional services are not covered.
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