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HumanaChoice Giveback H7617-045 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for HumanaChoice Giveback H7617-045 (PPO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on HumanaChoice Giveback H7617-045 (PPO) in 2026, please refer to our full plan details page.
HumanaChoice Giveback H7617-045 (PPO) is a PPO plan offered by Humana Inc. available for enrollment in 2026 to people living in Select Counties in New Jersey. This plan received an overall rating of 4.5 out of 5 stars in 2026.
It's important to know that HumanaChoice Giveback H7617-045 (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 HumanaChoice Giveback H7617-045 (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 HumanaChoice Giveback H7617-045 (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 $103.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan has a $380.00 health deductible. This means, every calendar year, you pay this amount towards covered services before your insurance coverage kicks in.
This plan has a $360.00 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 $9000.00 (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 $9000.00 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 HumanaChoice Giveback H7617-045 (PPO) Medicare prescription drug plan features an annual drug deductible of $360. 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, costing as little as a $1 copay for a 1-month supply, or no copay for a 3-month supply when using preferred mail order. Tier 3 preferred brand drugs require a $30 copay for a 1-month supply at standard pharmacies and preferred mail order, while standard mail order costs $47. For higher-tier medications, Tier 4 non-preferred drugs carry a 29% coinsurance across all pharmacy options, and Tier 5 specialty drugs require a 28% coinsurance for a 1-month supply.
Additional Benefits
The HumanaChoice Giveback H7617-045 (PPO) plan features no copay and no coinsurance for primary care visits, telehealth, and preventive services, while specialist visits require a $45 copay. Inpatient hospital stays require a daily copay for the first seven days ($275 for acute and $225 for psychiatric) with no copay for the remaining covered days. Outpatient hospital services require a copay of up to $500, but there is no copay for ambulatory surgical center services or home health care. For supplemental care, the plan offers no copay for routine dental, vision, and hearing exams, featuring a $200 vision allowance and up to $1,500 in dental coverage. Skilled nursing facility stays have no copay for the first 20 days, after which a $218 daily copay applies. Durable medical equipment is covered with no copay and a 12% coinsurance, while dialysis services require a 20% coinsurance.
Inpatient Hospital See details
HumanaChoice Giveback H7617-045 (PPO) partially covers inpatient hospital services with no coinsurance, requiring a $275 daily copay for days 1-7 of acute stays and a $225 daily copay for days 1-7 of psychiatric stays, followed by no copay for remaining covered days. Non-Medicare-covered stays, room upgrades, and additional psychiatric days are not covered under this plan.
Outpatient Services See details
HumanaChoice Giveback H7617-045 (PPO) covers outpatient services with no coinsurance, featuring no copay for ambulatory surgical center and outpatient blood services. Outpatient hospital services require a copay of $0 to $500, observation services have a $275 copay per stay, and outpatient substance abuse sessions require a $35 copay, with prior authorization required for most services.
Partial Hospitalization See details
Partial hospitalization is covered by the HumanaChoice Giveback H7617-045 (PPO) plan with a $35.00 copay and no coinsurance. Prior authorization is required to access this benefit.
Ambulance and Transportation Services See details
HumanaChoice Giveback H7617-045 (PPO) covers ground and air ambulance services with a $310 copay and no coinsurance, though prior authorization is required. Transportation services to health-related locations are not covered under this plan.
Emergency Services See details
HumanaChoice Giveback H7617-045 (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 require a $40 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with a $115 copay and no coinsurance, with no plan-level deductibles applying to any of these benefits.
Primary Care See details
HumanaChoice Giveback H7617-045 (PPO) covers primary care visits and telehealth with no copay and no coinsurance, while specialist visits require a $45 copay and no coinsurance. Therapy and mental health services have copays ranging from $20 to $35 with no coinsurance, but podiatry is not covered, and while some chiropractic services are covered, routine and other chiropractic services are not.
Preventive Services See details
Preventive services are covered by HumanaChoice Giveback H7617-045 (PPO) with no copay and no coinsurance, including annual physical exams, kidney disease education, diabetes self-management, and a memory fitness benefit. However, additional preventive benefits are only partially covered, as the plan excludes health education, in-home safety assessments, PERS, medical nutrition therapy, medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, remote access, home modifications, and counseling.
Hearing Services See details
Hearing services are partially covered by the HumanaChoice Giveback H7617-045 (PPO) plan, featuring no coinsurance for all covered benefits. Routine hearing exams and fitting evaluations have no copay, Medicare-covered exams require a $45 copay, and up to two prescription hearing aids are covered per year with a $699 to $999 copay, though OTC hearing aids and inner ear, outer ear, or over the ear prescription hearing aids are not covered.
Vision Services See details
Vision services are partially covered by HumanaChoice Giveback H7617-045 (PPO) with no coinsurance, featuring no copay for an annual routine eye exam and a $200 annual allowance for contact lenses or eyeglasses. Other eye exams, individual eyeglass lenses, individual frames, and upgrades are not covered.
Dental Services See details
HumanaChoice Giveback H7617-045 (PPO) partially covers dental services up to a $1,500 annual maximum, offering Medicare-covered dental services for a $45 copay and no coinsurance, and other covered services with no copay and no coinsurance. Non-covered services include fluoride treatments, removable prosthodontics, maxillofacial prosthetics, implant services, and orthodontics.
Home Infusion bundled Services See details
Home infusion bundled services are covered by HumanaChoice Giveback H7617-045 (PPO) with no copay, although prior authorization is required. Associated Medicare Part B chemotherapy, radiation, and other drugs require no coinsurance to 20% coinsurance, while covered Part B insulin has a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by HumanaChoice Giveback H7617-045 (PPO) with no copay and a 20% coinsurance, subject to prior authorization.
Medical Equipment See details
HumanaChoice Giveback H7617-045 (PPO) covers medical equipment, including durable medical equipment (DME) with a 12% coinsurance and no copay. Prosthetics and medical supplies are covered with a 20% coinsurance and no copay, while diabetic supplies carry a 10% to 20% coinsurance with no copay, and diabetic therapeutic shoes or inserts require a $10 copay.
Diagnostic and Radiological Services See details
HumanaChoice Giveback H7617-045 (PPO) covers diagnostic and radiological services with prior authorization required. Diagnostic services feature no coinsurance, offering lab services with no copay and diagnostic tests with a copay of $0 to $100, while radiological services include outpatient X-rays and diagnostic radiology starting at no copay, and therapeutic radiology with a 20% coinsurance.
Home Health Services See details
Home health services are covered by the HumanaChoice Giveback H7617-045 (PPO) plan with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
HumanaChoice Giveback H7617-045 (PPO) indicates some cardiac rehabilitation services are covered with no coinsurance, but cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered. These excluded services require prior authorization and have copayments ranging from $15 to $30.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered under the HumanaChoice Giveback H7617-045 (PPO) plan with no coinsurance and no prior three-day hospital stay required. Members pay no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, with prior authorization required and no coverage for additional days.
Other Services See details
HumanaChoice Giveback H7617-045 (PPO) partially covers other services, offering acupuncture for a $45 copay and no coinsurance for up to 20 treatments per year with prior authorization. Over-the-counter (OTC) items and meal benefits are not covered under this plan.
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