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Humana Full Access H7617-053 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Humana Full Access H7617-053 (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 H7617-053 (PPO) in 2026, please refer to our full plan details page.
Humana Full Access H7617-053 (PPO) is a PPO plan offered by Humana Inc. available for enrollment in 2026 to people living in Tulsa and Oklahoma City Metro. This plan received an overall rating of 4.5 out of 5 stars in 2026.
It's important to know that Humana Full Access H7617-053 (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 H7617-053 (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 H7617-053 (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 $2.00. 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 $420.00 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 $5700.00 (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 $5700.00 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 H7617-053 (PPO) prescription drug plan has an annual drug deductible of $420. For Tier 1 preferred generic drugs, you pay no copay for a 1-month or 3-month supply at standard pharmacies and preferred mail-order services. Tier 2 generic drugs cost a $5 copay for a 1-month supply at standard pharmacies, and you pay no copay for a 3-month supply filled through preferred mail order. Tier 3 preferred brand drugs cost a $47 copay for a 1-month supply, with a slightly reduced cost of $131 for a 3-month supply through preferred mail order. Higher-tier medications require coinsurance rather than flat copays, with Tier 4 non-preferred drugs carrying a 48% coinsurance. Tier 5 specialty drugs require a 28% coinsurance for a 1-month supply across all pharmacy and mail-order options.
Additional Benefits
The Humana Full Access H7617-053 (PPO) plan offers robust medical coverage, featuring no copays or coinsurance for primary care doctor visits and annual preventive exams. Specialist visits require copays ranging from $15 to $40, while inpatient hospital stays require a $295 daily copay for the first five days. Emergency room visits carry a $130 copay, which is waived if you are admitted within 24 hours. This plan also includes valuable supplemental benefits, such as routine dental, vision, and hearing exams with no copays or coinsurance. Dental services are covered up to a $1,500 annual limit, while routine vision care includes up to $250 yearly for eyewear. Additionally, home health services require no copay, though durable medical equipment and dialysis services carry a 20% coinsurance.
Inpatient Hospital See details
Inpatient hospital care is covered by Humana Full Access H7617-053 (PPO) with no coinsurance, requiring a $295 daily copay for days 1 through 5 and no copay for days 6 and beyond for acute care. Psychiatric stays have the same copay structure up to 90 days, though upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered by Humana Full Access H7617-053 (PPO) with no coinsurance, featuring a $0 to $295 copay for outpatient hospital services and a $295 copay per stay for observation services. Ambulatory surgical center and blood services have no copay, while outpatient substance abuse sessions require a $30 to $35 copay.
Partial Hospitalization See details
Partial hospitalization services are covered under the Humana Full Access H7617-053 (PPO) plan with a $35.00 copay and no coinsurance. Prior authorization is required to receive this benefit.
Ambulance and Transportation Services See details
Humana Full Access H7617-053 (PPO) covers Medicare-covered ground and air ambulance services with a $335 copay and no coinsurance, with prior authorization required. Transportation services are not covered in practice, as trips to plan-approved or any other health-related locations are not covered.
Emergency Services See details
Humana Full Access H7617-053 (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
Primary care services under the Humana Full Access H7617-053 (PPO) are partially covered, offering no copay and no coinsurance for primary care physician visits, while podiatry and other chiropractic services are not covered. Covered specialist, therapy, and mental health services require copays ranging from $15 to $40 with no coinsurance, and telehealth benefits carry a copay of $0 to $50 with no coinsurance.
Preventive Services See details
Humana Full Access H7617-053 (PPO) offers preventive services with no copay and no coinsurance for annual physical exams, kidney disease education, fitness benefits, and diabetes self-management. The benefit is partially covered, as sub-services like health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, weight management, and nutritional/dietary benefits are not covered.
Hearing Services See details
Hearing services covered by Humana Full Access H7617-053 (PPO) include routine exams and fittings with no copay and no coinsurance, while Medicare-covered exams require a $35 copay and no coinsurance. Prescription hearing aids are partially covered with a copay of $699 to $999 and no coinsurance for up to two aids yearly, though inner ear, outer ear, and over-the-ear models are not covered. Over-the-counter (OTC) hearing aids are also covered with no copay and no coinsurance.
Vision Services See details
Humana Full Access H7617-053 (PPO) partially covers vision services with no coinsurance, offering no copay for one routine eye exam (up to $75 per year) and one pair of eyeglasses or contact lenses (up to a combined $250 per year). Other eye exam services, separate eyeglass lenses, separate eyeglass frames, and upgrades are not covered.
Dental Services See details
Humana Full Access H7617-053 (PPO) dental services are partially covered up to a $1,500 annual limit with no copay and no coinsurance for most preventive and comprehensive care, though Medicare-covered dental services require a $35 copay and no coinsurance. Fluoride treatments, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Humana Full Access H7617-053 (PPO) covers home infusion bundled services with no copay, subject to prior authorization. Under this benefit, Medicare Part B chemotherapy and other drugs have no copay and 0% to 20% coinsurance, while Part B insulin is covered with a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered by Humana Full Access H7617-053 (PPO) with no copay and 20% coinsurance. Prior authorization is required for this benefit.
Medical Equipment See details
Humana Full Access H7617-053 (PPO) covers durable medical equipment, prosthetic devices, 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 or inserts require a $10 copay.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by Humana Full Access H7617-053 (PPO) with prior authorization, featuring no copay for diagnostic radiology, lab services, and outpatient X-rays, though coinsurance applies to labs and X-rays. Diagnostic procedures and tests require a 20% coinsurance and up to a $50 copay, while therapeutic radiology carries a 20% coinsurance and a minimum $35 copay.
Home Health Services See details
Home Health Services are covered by the Humana Full Access H7617-053 (PPO) plan with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered under the Humana Full Access H7617-053 (PPO) plan with no coinsurance, though prior authorization is required. While some services are covered, cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) are not covered.
Skilled Nursing Facility (SNF) See details
Humana Full Access H7617-053 (PPO) covers Skilled Nursing Facility (SNF) services 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, but a three-day inpatient hospital stay prior to admission is not.
Other Services See details
Other services are partially covered by Humana Full Access H7617-053 (PPO), featuring acupuncture with a $35 copay and no coinsurance for up to 20 treatments per year with prior authorization, alongside over-the-counter items and chronic illness meals for no copay and no coinsurance. Specific services classified as Other 1, 2, 3, and Dual Eligible SNPs are not covered under this plan.
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