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HumanaChoice H7617-050 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for HumanaChoice H7617-050 (PPO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on HumanaChoice H7617-050 (PPO) in 2026, please refer to our full plan details page.
HumanaChoice H7617-050 (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 H7617-050 (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 H7617-050 (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 H7617-050 (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 $1.00. You must continue to pay paying your reduced 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 $350.00 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 $9600.00 (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 $9600.00 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 H7617-050 (PPO) plan features an annual drug deductible of $350. For Tier 1 preferred generic drugs, you will pay no copay at standard pharmacies or through preferred mail order. Tier 2 generic medications cost as little as a $5 copay for a 1-month supply, or no copay for a 3-month supply when filled via preferred mail order. Tier 3 preferred brand drugs require a $47 copay for a 1-month supply across standard pharmacies and mail-order options. Higher-tier medications are subject to coinsurance instead of copays, with Tier 4 non-preferred drugs requiring 48% coinsurance and Tier 5 specialty drugs requiring 29% coinsurance. These tiered pricing options allow plan members to easily understand and manage their out-of-pocket prescription costs.
Additional Benefits
The HumanaChoice H7617-050 (PPO) plan offers comprehensive coverage for essential medical services with predictable out-of-pocket costs. You will pay no copay for primary care visits, preventive services, and home health care, while specialist visits require a $40 copay and emergency room visits have a $130 copay. Inpatient hospital stays require a daily copay of $530 for the first five days, with no coinsurance for your stay. Additionally, this plan features excellent supplemental benefits, including routine dental, vision, and hearing exams with no copay. You also receive a $350 annual allowance for eyewear, up to $1,500 in covered dental services, and up to 24 one-way transportation trips per year at no cost. Durable medical equipment and dialysis services are covered with a standard 20% coinsurance and no copay.
Inpatient Hospital See details
HumanaChoice H7617-050 (PPO) covers inpatient hospital services with no coinsurance, requiring a $530 daily copay for days 1 to 5 of acute stays (no copay for days 6 and beyond) and a $530 daily copay for days 1 to 4 of psychiatric stays (no copay for days 5 to 90). This benefit is partially covered as upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
HumanaChoice H7617-050 (PPO) covers outpatient services with no coinsurance, featuring no copay for ambulatory surgical center and blood services. Other outpatient services require copays, ranging from $0 to $520 for outpatient hospital services, $35 for substance abuse sessions, and $530 per stay for observation services.
Partial Hospitalization See details
Partial hospitalization is covered by HumanaChoice H7617-050 (PPO) with a $35.00 copay and no coinsurance. Prior authorization is required to receive these services.
Ambulance and Transportation Services See details
HumanaChoice H7617-050 (PPO) covers Medicare-approved ground and air ambulance services with a $335 copay and no coinsurance. Transportation services to plan-approved locations are covered with no copay or coinsurance for up to 24 one-way trips per year, though transportation to any health-related location is not covered.
Emergency Services See details
HumanaChoice H7617-050 (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 available with a $50 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with a $130 copay and no coinsurance.
Primary Care See details
Primary care benefits under HumanaChoice H7617-050 (PPO) are partially covered, as podiatry services and routine chiropractic care are not covered. Covered services feature no copay and no coinsurance for primary care visits, a $40 copay and no coinsurance for specialists, and copays ranging from $0 to $50 with no coinsurance for therapies, mental health, and telehealth.
Preventive Services See details
HumanaChoice H7617-050 (PPO) covers preventive services, such as annual physical exams, kidney disease education, and glaucoma screenings, with no copay and no coinsurance. This benefit is partially covered because supplemental services like health education, weight management, in-home safety assessments, and medical nutrition therapy are not covered, though a memory fitness benefit is included with no copay and no coinsurance.
Hearing Services See details
HumanaChoice H7617-050 (PPO) covers hearing services with no copay and no coinsurance for annual routine exams, fitting evaluations, and OTC hearing aids. Medicare-covered exams require a $40 copay and no coinsurance, while prescription hearing aids are partially covered with a $699 to $999 copay and no coinsurance for up to two devices per year, excluding inner ear, outer ear, and over the ear models.
Vision Services See details
Vision services are partially covered by HumanaChoice H7617-050 (PPO), offering one routine eye exam per year with no copay, no coinsurance, and no deductible, though other eye exam services are not covered. Eyewear is also partially covered with no copay, no coinsurance, or deductible up to a $350 annual limit for one pair of contact lenses or eyeglasses (lenses and frames), but separate eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
HumanaChoice H7617-050 (PPO) dental services are partially covered up to a $1,500 annual maximum, with Medicare-covered dental requiring a $40 copay and no coinsurance, and other covered services requiring no copay and no coinsurance. Fluoride treatments, removable prosthodontics, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
HumanaChoice H7617-050 (PPO) covers home infusion bundled services with no copay, though prior authorization is required. Covered Medicare Part B drugs, including chemotherapy and radiation, have coinsurance ranging from no coinsurance to 20%, while Part B insulin requires a $35 copay and coinsurance from no coinsurance to 20%.
Dialysis Services See details
Dialysis Services are covered under the HumanaChoice H7617-050 (PPO) plan with no copay and a 20% coinsurance, subject to prior authorization.
Medical Equipment See details
HumanaChoice H7617-050 (PPO) covers durable medical equipment (DME), prosthetics, and medical supplies with a 20% coinsurance and no copay. Diabetic supplies feature 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 HumanaChoice H7617-050 (PPO), with prior authorization required for both. Diagnostic services have no coinsurance, featuring no copay for lab tests and a $0 to $100 copay for diagnostic procedures. Radiological services require no copay for outpatient X-rays, a $0 minimum copay for diagnostic radiology, and a minimum $35 copay alongside a 20% coinsurance for therapeutic radiology.
Home Health Services See details
HumanaChoice H7617-050 (PPO) covers Home Health Services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
HumanaChoice H7617-050 (PPO) does not cover cardiac rehabilitation services, as none of the sub-services, including intensive cardiac, pulmonary, and supervised exercise therapy, are covered by the plan.
Skilled Nursing Facility (SNF) See details
HumanaChoice H7617-050 (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization and a daily copay of $10 for days 1 through 20 and $218 for days 21 through 100. No prior three-day inpatient hospital stay is required, but additional days beyond the standard 100-day Medicare benefit are not covered.
Other Services See details
HumanaChoice H7617-050 (PPO) covers acupuncture with a $40 copay and no coinsurance for up to 20 treatments annually, requiring prior authorization. Meal benefits and partially covered over-the-counter items are also available with no copay and no coinsurance, though some CMS OTC list drugs are excluded.
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