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Humana Full Access H7617-028 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Humana Full Access H7617-028 (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 H7617-028 (PPO) in 2026, please refer to our full plan details page.
Humana Full Access H7617-028 (PPO) is a PPO plan offered by Humana Inc. available for enrollment in 2026 to people living in Select Counties in ID. This plan received an overall rating of 4.5 out of 5 stars in 2026.
It's important to know that Humana Full Access H7617-028 (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 H7617-028 (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 H7617-028 (PPO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $29.00. 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 $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 $5900.00 (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 $5900.00 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 H7617-028 (PPO) Medicare prescription drug plan features an annual drug deductible of $615. For Tier 1 preferred generic drugs, you will pay no copay for a 1-month or 3-month supply at standard pharmacies and through preferred mail order. Tier 2 generic drugs are also highly affordable, starting at a $5 copay for a 1-month supply at standard pharmacies, with no copay required for a 3-month supply ordered through preferred mail order. Tier 3 preferred brand drugs carry a $47 copay for a 1-month supply at standard pharmacies and mail order, while a 3-month supply through preferred mail order costs $131. For Tier 4 non-preferred drugs, you will pay a 50% coinsurance across all pharmacy and mail order options. Tier 5 specialty drugs require a 25% coinsurance for a 1-month supply at standard pharmacies and both preferred and standard mail order.
Additional Benefits
The Humana Full Access H7617-028 (PPO) plan offers robust medical coverage with no copay for primary care visits, mental health sessions, and routine preventive services, while specialist visits require a $30 copay. For hospital care, inpatient stays feature a $450 daily copay for the first five days and no copay thereafter, while emergency room visits carry a $115 copay that is waived if you are admitted. Outpatient surgery at ambulatory centers and home health services are also available with no copay. This plan also includes valuable dental, vision, and hearing benefits to help lower your out-of-pocket costs. Members enjoy no copay for routine dental care up to a $2,000 annual limit, no copay for routine eye exams, and no copay for routine hearing exams, though hearing aids require a copay of $699 to $999. Additionally, durable medical equipment is covered with a 14% coinsurance, and skilled nursing facility stays feature no copay for the first 20 days.
Inpatient Hospital See details
Humana Full Access H7617-028 (PPO) partially covers inpatient hospital services with no coinsurance and prior authorization, although upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered. Covered acute stays require a $450 daily copay for days 1-5 followed by no copay for additional days, while psychiatric stays require a $416 daily copay for days 1-5 and no copay for days 6-90.
Outpatient Services See details
Humana Full Access H7617-028 (PPO) covers outpatient services with no coinsurance, including no copay for ambulatory surgical center and blood services. Outpatient hospital services carry a copay of $0 to $450, observation services require a $450 copay, and outpatient substance abuse sessions have a copay of $0 to $35.
Partial Hospitalization See details
Partial hospitalization services are covered under the Humana Full Access H7617-028 (PPO) plan with a $35.00 copay and no coinsurance. Prior authorization is required to receive coverage for this benefit.
Ambulance and Transportation Services See details
Humana Full Access H7617-028 (PPO) covers ambulance services with no coinsurance, requiring a $335 copay for ground transport and a $1,250 copay for air transport. Some transportation services are covered, but transportation to plan-approved or any health-related locations is not covered.
Emergency Services See details
Humana Full Access H7617-028 (PPO) 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 available with a $50 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with a $115 copay and no coinsurance.
Primary Care See details
Humana Full Access H7617-028 (PPO) offers primary care visits, mental health, and psychiatric sessions with no copay and no coinsurance, while specialist visits require a $30 copay and no coinsurance. Physical, occupational, and speech therapy services have a $35 copay and no coinsurance, whereas chiropractic and podiatry services are not covered.
Preventive Services See details
Humana Full Access H7617-028 (PPO) covers preventive services, including annual physical exams, kidney disease education, glaucoma screenings, diabetes self-management, digital rectal exams, EKGs, and memory fitness, with no copay and no coinsurance. However, these additional benefits are only partially covered, as the plan excludes health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, wigs for chemotherapy-related hair loss, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, home-based palliative care, in-home support, caregiver support, additional smoking cessation counseling, enhanced disease management, telemonitoring, remote access technologies, home/bathroom safety modifications, and counseling.
Hearing Services See details
Humana Full Access H7617-028 (PPO) covers routine hearing exams and fitting evaluations with no copay and no coinsurance, while Medicare-covered exams require a $30 copay and no coinsurance. Hearing aids are partially covered with a $699 to $999 copay and no coinsurance for up to two prescription aids per year, though inner ear, outer ear, over the ear, and OTC hearing aids are not covered.
Vision Services See details
Humana Full Access H7617-028 (PPO) provides partially covered vision services with no deductibles, including routine eye exams with no copay or coinsurance up to a $75 annual limit, though other eye exams are not covered. Eyewear is also covered with no copay or coinsurance up to a $150 combined annual limit for contact lenses and complete eyeglasses, while separate eyeglass lenses, frames, and upgrades are not covered.
Dental Services See details
Humana Full Access H7617-028 (PPO) partially covers dental services, featuring a $30 copay and no coinsurance for Medicare-covered dental, and no copay or coinsurance for other covered preventive and comprehensive services up to a $2,000 yearly limit. Fluoride treatment, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Humana Full Access H7617-028 (PPO) covers home infusion bundled services with no copay, though prior authorization is required. Covered Medicare Part B chemotherapy, radiation, and other drugs have 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 H7617-028 (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 Full Access H7617-028 (PPO) covers durable medical equipment, prosthetics, and medical supplies with a 14% coinsurance and no copay. Diabetic supplies are covered with a 10% to 20% coinsurance and no copay, while diabetic therapeutic shoes and inserts require a $10 copay.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered by Humana Full Access H7617-028 (PPO), with no coinsurance for diagnostic services and prior authorization required. Members pay no copay for lab services or outpatient X-rays, a $0 to $50 copay for diagnostic procedures, a $0 minimum copay for diagnostic radiological services, and a minimum 20% coinsurance for therapeutic radiological services.
Home Health Services See details
Home Health Services are covered by the Humana Full Access H7617-028 (PPO) plan with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Humana Full Access H7617-028 (PPO) offers cardiac rehabilitation services with no coinsurance and prior authorization requirements, though in practice, some services are covered while standard cardiac, intensive cardiac, pulmonary, and SET for PAD services are not covered. These excluded sub-services have listed copayments ranging from $5 to $10.
Skilled Nursing Facility (SNF) See details
Humana Full Access H7617-028 (PPO) covers Skilled Nursing Facility (SNF) services 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 51 through 100, a $218 daily copay for days 21 through 50, and additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Humana Full Access H7617-028 (PPO) partially covers other services, providing acupuncture with a $30 copay and no coinsurance for up to 20 treatments per year, as well as chronic illness meal benefits with no copay and no coinsurance. Prior authorization is required for both of these covered services, and over-the-counter (OTC) items are not covered.
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