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HumanaChoice Giveback H7617-049 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for HumanaChoice Giveback H7617-049 (PPO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on HumanaChoice Giveback H7617-049 (PPO) in 2026, please refer to our full plan details page.
HumanaChoice Giveback H7617-049 (PPO) is a PPO plan offered by Humana Inc. available for enrollment in 2026 to people living in Kentucky and Southern Indiana. This plan received an overall rating of 4.5 out of 5 stars in 2026.
It's important to know that HumanaChoice Giveback H7617-049 (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 H7617-049 (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 H7617-049 (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 $129.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan has a $430.00 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 HumanaChoice Giveback H7617-049 (PPO) Medicare drug coverage features an annual drug deductible of $615. For Tier 1 preferred generic drugs, there is no copay for a 1-month or 3-month supply at standard pharmacies and preferred mail order. Tier 2 generic medications cost a low $2 copay for a 1-month supply, with no copay required for a 3-month supply filled via preferred mail order. Tier 3 preferred brand drugs carry a $47 copay for a 1-month supply, which can be reduced to $131 for a 3-month supply through preferred mail order. For advanced medications, Tier 4 non-preferred drugs require a 31% coinsurance, while Tier 5 specialty drugs carry a 25% coinsurance for a 1-month supply. Using standard mail order instead of preferred options generally increases your out-of-pocket copays for generic and brand-name drugs.
Additional Benefits
The HumanaChoice Giveback H7617-049 (PPO) plan offers affordable access to everyday care with no copays for primary care visits, preventive services, and routine dental, vision, and hearing exams. For emergency and acute care, the plan features a $115 copay for emergency room visits and a $400 daily copay for the first few days of inpatient hospital stays, with no coinsurance required for either. Outpatient services and diagnostic tests are also highly accessible, with costs ranging from no copay up to a $400 copay depending on the care received. Specialist visits, Medicare-covered dental exams, and Medicare-covered hearing exams require a $40 copay, while home health services are fully covered with no copay or coinsurance. Medical equipment and specialized treatments are structured with coinsurance, such as 9% coinsurance for durable medical equipment and 20% coinsurance for dialysis services with no copays. The plan also includes valuable supplemental benefits like a $500 annual limit for dental care and coverage for prescription hearing aids and routine eyewear.
Inpatient Hospital See details
HumanaChoice Giveback H7617-049 (PPO) covers inpatient hospital services with no coinsurance, requiring a $400 daily copay for days 1 to 5 for acute stays (no copay for days 6 and beyond) and a $400 daily copay for days 1 to 4 for psychiatric stays (no copay for days 5 to 90). Prior authorization is required, and upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
HumanaChoice Giveback H7617-049 (PPO) covers outpatient services with no coinsurance, featuring no copay for ambulatory surgical and blood services. Outpatient hospital services carry a copay of $0 to $400, observation services require a $400 copay per stay, and outpatient substance abuse sessions have a $35 copay.
Partial Hospitalization See details
Partial hospitalization services are covered by HumanaChoice Giveback H7617-049 (PPO) with a $35.00 copay and no coinsurance, though prior authorization is required.
Ambulance and Transportation Services See details
HumanaChoice Giveback H7617-049 (PPO) partially covers ambulance and transportation services, offering Medicare-covered ground and air ambulance services for a $335 copay with no coinsurance, subject to prior authorization. Transportation services to plan-approved or other health-related locations are not covered.
Emergency Services See details
HumanaChoice Giveback H7617-049 (PPO) covers emergency services with a $115 copay and no coinsurance, with the copay 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.
Primary Care See details
HumanaChoice Giveback H7617-049 (PPO) covers primary care physician services with no copay and no coinsurance, and specialist visits with a $40 copay and no coinsurance. Most therapy, psychiatric, and mental health services require a $35 copay and no coinsurance, while podiatry is not covered, and some chiropractic services are covered but routine and other chiropractic services are not.
Preventive Services See details
Preventive Services are partially covered by HumanaChoice Giveback H7617-049 (PPO) with no copay and no coinsurance for covered services such as annual physical exams, kidney disease education, memory fitness, glaucoma screenings, diabetes self-management, digital rectal exams, and EKGs. Multiple additional preventive services are not covered, including health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, home-based palliative care, in-home support, caregiver support, additional smoking cessation, enhanced disease management, telemonitoring, remote access, home safety modifications, and counseling.
Hearing Services See details
Hearing services under HumanaChoice Giveback H7617-049 (PPO) are partially covered with no coinsurance, requiring a $40 copay for Medicare-covered exams and no copay for annual routine exams and fitting evaluations. Prescription hearing aids are covered up to two per year with copays ranging from $699 to $999 and no coinsurance, though OTC, inner ear, outer ear, and over the ear hearing aids are not covered.
Vision Services See details
HumanaChoice Giveback H7617-049 (PPO) provides partially covered vision services with no coinsurance and a $0 to $40 copay, requiring prior authorization. Under this plan, one routine eye exam and complete eyeglasses or contact lenses are covered with no copay up to yearly limits, while other eye exams, eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
HumanaChoice Giveback H7617-049 (PPO) features partially covered dental services with a $500 annual limit, offering preventive care like cleanings and exams with no copay and no coinsurance. Medicare-covered dental services require a $40 copay and no coinsurance, and restorative services have a $25 copay and no coinsurance, though fluoride treatments, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
HumanaChoice Giveback H7617-049 (PPO) covers home infusion bundled services with no copay, though prior authorization is required. Associated Medicare Part B chemotherapy, radiation, and other drugs have coinsurance ranging from no coinsurance up to 20% coinsurance, while covered insulin drugs require a $35 copay and coinsurance ranging from no coinsurance up to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered under the HumanaChoice Giveback H7617-049 (PPO) plan with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
Medical equipment benefits under HumanaChoice Giveback H7617-049 (PPO) include durable medical equipment (DME) covered at a 9% coinsurance with no copay. Prosthetics and medical supplies are covered with a 20% coinsurance and no copay, while diabetic supplies carry a 10% to 20% coinsurance (no copay) and therapeutic shoes or inserts require a $10 copay.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by HumanaChoice Giveback H7617-049 (PPO) with prior authorization required. Lab services and outpatient X-rays have no copay, diagnostic tests range from a $0 to $100 copay with no coinsurance, and therapeutic radiological services require a minimum $50 copay and 20% coinsurance.
Home Health Services See details
Home Health Services are covered by HumanaChoice Giveback H7617-049 (PPO) with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are covered with no coinsurance under the HumanaChoice Giveback H7617-049 (PPO) plan, although in practice some services are covered while cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered. Prior authorization is required for these services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is covered by HumanaChoice Giveback H7617-049 (PPO) with no coinsurance, featuring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, a prior three-day hospital stay is not required, and additional days beyond the standard 100 days are not covered.
Other Services See details
HumanaChoice Giveback H7617-049 (PPO) partially covers other services, offering up to 20 acupuncture treatments per year with a $40 copay, no coinsurance, and prior authorization requirements. Over-the-counter items and meal benefits are not covered under this plan.
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