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HumanaChoice Giveback H7617-046 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for HumanaChoice Giveback H7617-046 (PPO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on HumanaChoice Giveback H7617-046 (PPO) in 2026, please refer to our full plan details page.
HumanaChoice Giveback H7617-046 (PPO) is a PPO plan offered by Humana Inc. available for enrollment in 2026 to people living in Select Counties in MA, ME, NH, & VT. This plan received an overall rating of 4.5 out of 5 stars in 2026.
It's important to know that HumanaChoice Giveback H7617-046 (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 H7617-046 (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 H7617-046 (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 $675.00 health deductible. This means, every calendar year, you pay this amount towards covered services before your insurance coverage kicks in.
This plan has a $395.00 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 $7750.00 (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 $7750.00 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 H7617-046 (PPO) plan features an annual drug deductible of $395 and offers excellent savings on Tier 1 preferred generic drugs, which have no copay for a one-month or three-month supply at standard pharmacies and through preferred mail order. For Tier 2 generic drugs, you will pay a low $5 copay for a one-month supply at standard pharmacies and preferred mail order, with no copay required for a three-month supply filled via preferred mail order. Standard mail order options are also available for these lower-tier drugs, with copays ranging from $10 to $60 depending on the tier and supply duration. Tier 3 preferred brand drugs require a $47 copay for a one-month supply across standard pharmacies and mail order services, though a three-month preferred mail order supply offers a slightly reduced cost of $131. Higher-tier medications are subject to coinsurance rather than flat copays, with Tier 4 non-preferred drugs requiring a 44% coinsurance. Tier 5 specialty drugs require a 28% coinsurance for a one-month supply across standard pharmacies, preferred mail order, and standard mail order channels.
Additional Benefits
The HumanaChoice Giveback H7617-046 (PPO) plan offers robust coverage with no copays or coinsurance for primary care visits, home health services, and annual preventive physical exams. For more specialized care, members pay no coinsurance and a $45 copay for specialist visits, while inpatient hospital stays require a copay of $445 per day for the first six days of acute stays with no copay thereafter. Emergency room visits carry a $130 copay, which is waived if you are admitted within 24 hours, and urgent care is available with a $50 copay. This plan also features everyday health benefits, including no copays, deductibles, or coinsurance for annual routine vision exams, contact lenses, and eyeglasses. Routine dental care and hearing exams also feature no copays or coinsurance, while prescription hearing aids require a copay ranging from $699 to $999. Additionally, members can access up to 24 one-way trips per year to plan-approved locations with no copay or coinsurance.
Inpatient Hospital See details
Inpatient hospital services are partially covered by HumanaChoice Giveback H7617-046 (PPO) with no coinsurance, requiring a $445 copay for days 1-6 of acute stays and a $380 copay for days 1-6 of psychiatric stays, followed by no copay for subsequent days. Non-Medicare-covered stays, upgrades, and additional days for psychiatric care are not covered under this plan.
Outpatient Services See details
HumanaChoice Giveback H7617-046 (PPO) covers outpatient hospital services with no coinsurance and a copay ranging from $0 to $575, alongside observation services for a $445 copay per stay. Ambulatory surgical center and outpatient blood services are covered with no copay and no coinsurance, while outpatient substance abuse sessions require a $35 copay and no coinsurance.
Partial Hospitalization See details
HumanaChoice Giveback H7617-046 (PPO) covers partial hospitalization services with a $35.00 copay and no coinsurance. Prior authorization is required to access this benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by HumanaChoice Giveback H7617-046 (PPO), with medicare-covered ground and air ambulance services requiring a $335 copay and no coinsurance. Transportation services are partially covered with no copay or coinsurance for up to 24 one-way trips per year to plan-approved locations, but trips to any health-related location are not covered.
Emergency Services See details
HumanaChoice Giveback H7617-046 (PPO) covers emergency services with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services are covered with a $50 copay and no coinsurance, and worldwide emergency, urgent, and transportation services are available with a $130 copay and no coinsurance.
Primary Care See details
HumanaChoice Giveback H7617-046 (PPO) covers primary care physician services with no copay and no coinsurance, while specialist visits require a $45 copay with no coinsurance. Physical, occupational, speech, mental health, and psychiatric services have copays ranging from $35 to $40 and no coinsurance, whereas chiropractic and podiatry services are not covered.
Preventive Services See details
HumanaChoice Giveback H7617-046 (PPO) preventive services are partially covered, offering covered services like annual physical exams, glaucoma screenings, diabetes self-management training, and memory fitness with no copay and no coinsurance. However, several supplemental sub-services are not covered, including health education, weight management programs, in-home safety assessments, alternative therapies, and personal emergency response systems.
Hearing Services See details
HumanaChoice Giveback H7617-046 (PPO) offers partially covered hearing services, featuring Medicare-covered exams for a $45 copay and no coinsurance, alongside routine exams and fitting evaluations with no copay or coinsurance. Prescription hearing aids are covered with no coinsurance and a copay ranging from $699 to $999 (limit of two per year), but inner ear, outer ear, over the ear, and over-the-counter (OTC) hearing aids are not covered.
Vision Services See details
Vision services are partially covered by HumanaChoice Giveback H7617-046 (PPO), offering no deductible, no coinsurance, and no copay for annual routine eye exams, contact lenses, and eyeglasses. However, other eye exams, eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
Dental services are partially covered by HumanaChoice Giveback H7617-046 (PPO), offering Medicare-covered dental services for a $45 copay and no coinsurance, and other covered preventive and comprehensive services with no copay and no coinsurance. Fluoride treatment, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
HumanaChoice Giveback H7617-046 (PPO) covers home infusion bundled services with no copay and no coinsurance, though prior authorization is required. Medicare Part B insulin drugs have a $35 copay and no coinsurance to 20% coinsurance, while chemotherapy and other Part B drugs have no copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered by HumanaChoice Giveback H7617-046 (PPO) with no copay and a 20% coinsurance. Prior authorization is required to receive this covered benefit.
Medical Equipment See details
HumanaChoice Giveback H7617-046 (PPO) covers durable medical equipment, prosthetics, and medical supplies with a 20% 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 and coinsurance.
Diagnostic and Radiological Services See details
HumanaChoice Giveback H7617-046 (PPO) covers diagnostic and radiological services with prior authorization, offering lab services and outpatient X-rays with no copay. Diagnostic procedures and tests carry a copay of $0 to $100 with no coinsurance, diagnostic radiological services have a minimum $0 copay, and therapeutic radiological services require a minimum 20% coinsurance.
Home Health Services See details
Home Health Services are covered by HumanaChoice Giveback H7617-046 (PPO) with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered under the HumanaChoice Giveback H7617-046 (PPO) plan with no coinsurance and require prior authorization, though some services are covered while cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered. Copayments for these non-covered rehabilitation services range from $15 to $40.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by HumanaChoice Giveback H7617-046 (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, and while a prior three-day hospital stay is not needed, additional days beyond the standard Medicare-covered 100 days are not covered.
Other Services See details
HumanaChoice Giveback H7617-046 (PPO) partially covers other services, offering acupuncture for a $45 copay and no coinsurance (up to 20 treatments per year) and chronic illness meals with no copay and no coinsurance, both requiring prior authorization. Over-the-counter (OTC) items are not covered under this benefit.
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