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Humana Full Access H7617-052 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Humana Full Access H7617-052 (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 H7617-052 (PPO) in 2026, please refer to our full plan details page.
Humana Full Access H7617-052 (PPO) is a PPO plan offered by Humana Inc. available for enrollment in 2026 to people living in Michigan. This plan received an overall rating of 4.5 out of 5 stars in 2026.
It's important to know that Humana Full Access H7617-052 (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 H7617-052 (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 H7617-052 (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 $5650.00 (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 $5650.00 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 H7617-052 (PPO) plan features an annual prescription drug deductible of $350. Beneficiaries enjoy no copay for Tier 1 preferred generic and Tier 2 generic drugs when filled through standard pharmacies or preferred mail order for both 1-month and 3-month supplies. If you choose standard mail order, Tier 1 and Tier 2 drugs will require a copay of $10 and $20 respectively for a 1-month supply. For Tier 3 preferred brand drugs, you will pay a $47 copay for a 1-month supply, though a 3-month supply through preferred mail order reduces your cost to $131. Higher-tier medications are subject to coinsurance, with Tier 4 non-preferred drugs requiring 47% coinsurance and Tier 5 specialty drugs requiring 29% coinsurance.
Additional Benefits
The Humana Full Access H7617-052 (PPO) plan offers comprehensive medical coverage with predictable out-of-pocket costs, featuring no copay for primary care physician visits, home health services, and covered preventive care. Specialist visits require a $40 copay, while inpatient hospital stays carry a $440 daily copay for days one through six, with no copay for subsequent days. Emergency room care is covered with a $130 copay, which is waived if you are admitted to the hospital within 24 hours. This plan also provides valuable supplemental benefits, including covered preventive and comprehensive dental services with no copay up to a $3,000 yearly limit. Vision care includes routine exams and up to $450 annually for eyeglasses or contacts with no copay, while routine hearing exams also have no copay. For other medical needs, durable medical equipment and dialysis services are covered with a 20% coinsurance and no copay.
Inpatient Hospital See details
Humana Full Access H7617-052 (PPO) covers inpatient acute hospital stays with no coinsurance and a $440 daily copay for days 1 to 6 (no copay for days 7 and beyond), and psychiatric stays with a $440 daily copay for days 1 to 5 (no copay for days 6 to 90). The benefit is partially covered, as upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Humana Full Access H7617-052 (PPO) covers outpatient services with no coinsurance, featuring a $0 to $440 copay for outpatient hospital services, a $440 copay per stay for observation services, and a $35 copay for outpatient substance abuse sessions. Ambulatory surgical center and outpatient blood services are covered with no copay and no coinsurance.
Partial Hospitalization See details
Humana Full Access H7617-052 (PPO) covers partial hospitalization services with a $35.00 copay and no coinsurance. Prior authorization is required to receive this benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by the Humana Full Access H7617-052 (PPO) plan, with ground and air ambulance services requiring a $335 copay and no coinsurance, subject to prior authorization. Although some transportation services are covered, transportation to plan-approved health-related locations and any other health-related locations is not covered.
Emergency Services See details
Humana Full Access H7617-052 (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 require 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
Humana Full Access H7617-052 (PPO) covers primary care physician services with no copay and no coinsurance, while specialist visits require a $40 copay and no coinsurance. Additional benefits like physical, occupational, and mental health therapies have copays ranging from $20 to $40 with no coinsurance, though podiatry and routine chiropractic services are not covered.
Preventive Services See details
Humana Full Access H7617-052 (PPO) provides partially covered preventive services with no copay and no coinsurance for covered benefits like annual physical exams, kidney disease education, and glaucoma screenings. While select additional services like smoking cessation and chemotherapy wigs are covered, several sub-services are not covered, including health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, and weight management.
Hearing Services See details
Humana Full Access H7617-052 (PPO) covers hearing services with no coinsurance, offering routine hearing exams and fitting evaluations with no copay, and Medicare-covered exams for a $40 copay. Prescription hearing aids are partially covered with a copay of $699 to $999 for up to two devices annually (excluding inner ear, outer ear, and over-the-ear types), while over-the-counter (OTC) hearing aids are covered with no copay.
Vision Services See details
Vision Services are partially covered by Humana Full Access H7617-052 (PPO), offering copays ranging from $0 to $40 for eye exams and no copay for covered eyewear, with no coinsurance required for either service. This benefit includes one routine eye exam per year and up to $450 annually for contact lenses or eyeglasses, but does not cover other eye exam services, separate eyeglass lenses, separate frames, or upgrades.
Dental Services See details
Dental services are partially covered by Humana Full Access H7617-052 (PPO), excluding fluoride, removable prosthodontics, maxillofacial prosthetics, implants, and orthodontics. Medicare-covered dental services require a $40 copay and no coinsurance, while other covered preventive and comprehensive services have no copay and no coinsurance up to a $3,000 yearly limit.
Home Infusion bundled Services See details
Humana Full Access H7617-052 (PPO) covers Home Infusion bundled Services with no copay, though prior authorization and step therapy may apply. Associated Medicare Part B drugs, including chemotherapy and other drugs, have no copay and 0% to 20% coinsurance, while covered Part B insulin has a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
Humana Full Access H7617-052 (PPO) covers Dialysis Services with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
Humana Full Access H7617-052 (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.
Diagnostic and Radiological Services See details
Humana Full Access H7617-052 (PPO) covers diagnostic services with no coinsurance, featuring no copay for lab services and copays from $0 to $105 for diagnostic procedures. Covered radiological services require prior authorization and feature no copay for X-rays, copays starting at $0 for diagnostic radiology, and a minimum 20% coinsurance and $40 copay for therapeutic radiology.
Home Health Services See details
Home Health Services are covered under the Humana Full Access H7617-052 (PPO) plan with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by Humana Full Access H7617-052 (PPO) with no coinsurance, though prior authorization is required. While some services are covered, cardiac rehabilitation, intensive cardiac rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services (each with a $20 copay), as well as pulmonary rehabilitation services (with a $15 copay), are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by Humana Full Access H7617-052 (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, a prior three-day hospital stay is not needed, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Humana Full Access H7617-052 (PPO) provides partially covered other services, which include acupuncture with a $40 copay and no coinsurance, alongside over-the-counter items and chronic illness meals with no copay and no coinsurance. Prior authorization is required for acupuncture and meal benefits, and sub-services categorized as Other 1, Other 2, and Other 3 are not covered.
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