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Humana Essentials Plus Giveback H7617-024 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Humana Essentials Plus Giveback H7617-024 (PPO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Humana Essentials Plus Giveback H7617-024 (PPO) in 2026, please refer to our full plan details page.
Humana Essentials Plus Giveback H7617-024 (PPO) is a PPO plan offered by Humana Inc. available for enrollment in 2026 to people living in Select Counties in MT. This plan received an overall rating of 4.5 out of 5 stars in 2026.
It's important to know that Humana Essentials Plus Giveback H7617-024 (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 Essentials Plus Giveback H7617-024 (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 Essentials Plus Giveback H7617-024 (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 $61.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan has a $535.00 health deductible. This means, every calendar year, you pay this amount towards covered services before your insurance coverage kicks in.
This plan has a $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 Essentials Plus Giveback H7617-024 (PPO) plan has an annual drug deductible of $615. For Tier 1 preferred generics, there is no copay for a 1-month or 3-month supply at standard pharmacies or through preferred mail order. Tier 2 generic medications cost as little as a $5 copay for a 1-month supply, with no copay required for a 3-month supply filled through preferred mail order. Tier 3 preferred brand drugs carry a $47 copay for a 1-month supply, with a 3-month preferred mail order supply costing $131. For higher-tier prescriptions, you will pay coinsurance instead of flat copays, including 49% coinsurance for Tier 4 non-preferred drugs and 25% coinsurance for Tier 5 specialty drugs. These straightforward copayment and coinsurance structures make it easy to plan your healthcare budget.
Additional Benefits
The Humana Essentials Plus Giveback H7617-024 (PPO) plan offers robust medical coverage featuring no copay for primary care visits and a $40 copay for specialist care. Inpatient hospital stays require a $425 daily copay for the first five days with no copay thereafter, while emergency care has a $115 copay. Outpatient hospital services feature no coinsurance and copays ranging from no copay up to $495. Routine dental, vision, and hearing exams are covered with no copays and no coinsurance, alongside an annual dental benefit limit of up to $1,000. Durable medical equipment and diabetic supplies also feature no copay, requiring only 14% and 10% to 20% coinsurance respectively. Additionally, the plan covers standard preventive services and home health care with no copay and no coinsurance.
Inpatient Hospital See details
Humana Essentials Plus Giveback H7617-024 (PPO) covers inpatient acute hospital stays with no coinsurance and a $425 copay for days 1 through 5, with no copay for day 6 and beyond. Inpatient psychiatric hospital stays are also covered with no coinsurance and a $416 copay for days 1 through 5, though upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Humana Essentials Plus Giveback H7617-024 (PPO) covers outpatient services with no coinsurance, including outpatient hospital services with a $0 to $495 copay and observation services with a $425 copay per stay. Ambulatory surgical center and outpatient blood services are covered with no copay and no coinsurance, while outpatient substance abuse sessions have a copay ranging from $0 to $35 with no coinsurance.
Partial Hospitalization See details
Humana Essentials Plus Giveback H7617-024 (PPO) covers partial hospitalization services with a $35 copay and no coinsurance. Prior authorization is required to receive coverage for this benefit.
Ambulance and Transportation Services See details
Humana Essentials Plus Giveback H7617-024 (PPO) covers ground ambulance services with a $335 copay and air ambulance services with a $1250 copay, both requiring prior authorization with no coinsurance. Some transportation services are covered, but transportation to plan-approved or any health-related locations is not covered.
Emergency Services See details
Emergency services are covered by Humana Essentials Plus Giveback H7617-024 (PPO) 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 $40 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are all covered with a $115 copay and no coinsurance.
Primary Care See details
Humana Essentials Plus Giveback H7617-024 (PPO) covers primary care with no copay and specialist visits for a $40 copay, both with no coinsurance. While therapy, mental health, and telehealth services are covered with no coinsurance and copays ranging from $0 to $40, podiatry is not covered, and chiropractic benefits are only partially covered as routine chiropractic is excluded.
Preventive Services See details
Humana Essentials Plus Giveback H7617-024 (PPO) covers preventive services, including annual physical exams, kidney disease education, and diabetes self-management, with no copay and no coinsurance. Additional preventive benefits are partially covered, offering a memory fitness program with no copay and no coinsurance, while excluding services like health education, weight management, and in-home safety assessments.
Hearing Services See details
Hearing services are covered by Humana Essentials Plus Giveback H7617-024 (PPO), which offers one routine hearing exam and unlimited fitting evaluations annually with no copay and no coinsurance, while Medicare-covered exams require a $40 copay and no coinsurance. Prescription hearing aids are partially covered with no coinsurance and copays ranging from $699 to $999 for up to two devices per year, though OTC, inner ear, outer ear, and over-the-ear hearing aids are not covered.
Vision Services See details
Vision services are partially covered by Humana Essentials Plus Giveback H7617-024 (PPO) with no deductible and no coinsurance. Routine eye exams, contact lenses, and complete eyeglasses (lenses and frames) are covered with no copay (though exam copays can range up to $40), while individual eyeglass lenses, frames, upgrades, and other eye exams are not covered.
Dental Services See details
Humana Essentials Plus Giveback H7617-024 (PPO) partially covers dental services, offering up to a $1,000 annual maximum benefit for both in- and out-of-network care. Preventive services like cleanings and exams have no copay and no coinsurance, while Medicare-covered services require a $40 copay and no coinsurance, and restorative and periodontic treatments have a $25 copay and no coinsurance. Fluoride treatments, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Humana Essentials Plus Giveback H7617-024 (PPO) covers home infusion bundled services with no copay and no coinsurance, though prior authorization and step therapy are required. Under this benefit, Medicare Part B chemotherapy, radiation, and other drugs require no copay and no coinsurance to 20% coinsurance, while Part B insulin is covered with a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Humana Essentials Plus Giveback H7617-024 (PPO) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
Humana Essentials Plus Giveback H7617-024 (PPO) covers durable medical equipment, prosthetics, and medical supplies with 14% coinsurance and no copay. Diabetic supplies are covered with 10% to 20% coinsurance and no copay, while diabetic therapeutic shoes and inserts require a $10 copay.
Diagnostic and Radiological Services See details
Humana Essentials Plus Giveback H7617-024 (PPO) covers diagnostic services with no coinsurance, featuring no copay for lab services and a $0 to $95 copay for diagnostic procedures. Radiological services require prior authorization and include outpatient X-rays with no copay but applicable coinsurance, diagnostic radiological services with a minimum $0 copay, and therapeutic radiological services with a minimum 20% coinsurance.
Home Health Services See details
Home Health Services are covered under the Humana Essentials Plus Giveback H7617-024 (PPO) plan with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services under the Humana Essentials Plus Giveback H7617-024 (PPO) require prior authorization and feature no coinsurance, though some services are covered while standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered. These non-covered services carry copayments of $30 for cardiac and intensive cardiac, $15 for pulmonary, and $20 for SET for PAD rehabilitation.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is covered by Humana Essentials Plus Giveback H7617-024 (PPO) with no coinsurance, requiring prior authorization but no prior three-day inpatient hospital stay. There is no copay for days 1 through 20 and days 86 through 100, while days 21 through 85 require a $218 daily copay, with additional days beyond the Medicare limit not covered.
Other Services See details
Other services are partially covered by Humana Essentials Plus Giveback H7617-024 (PPO), including acupuncture for a $40 copay and no coinsurance (up to 20 treatments annually) and chronic illness meal benefits with no copay and no coinsurance. Over-the-counter (OTC) items are not covered.
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