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HumanaChoice H7617-085 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for HumanaChoice H7617-085 (PPO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on HumanaChoice H7617-085 (PPO) in 2026, please refer to our full plan details page.
HumanaChoice H7617-085 (PPO) is a PPO plan offered by Humana Inc. available for enrollment in 2026 to people living in Mississippi. This plan received an overall rating of 4.5 out of 5 stars in 2026.
It's important to know that HumanaChoice H7617-085 (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 H7617-085 (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 H7617-085 (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 has a $555.00 health deductible. This means, every calendar year, you pay this amount towards covered services before your insurance coverage kicks in.
This plan has a $590.00 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 $8950.00 (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 $8950.00 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 H7617-085 (PPO) prescription drug plan has an annual drug deductible of $590. For Tier 1 preferred generic drugs, you will pay no copay for a one-month or three-month supply at standard pharmacies and through preferred mail order. Tier 2 generic drugs cost as little as a $5 copay for a one-month supply, with no copay required for a three-month supply when using preferred mail order. Tier 3 preferred brand drugs carry a $47 copay for a one-month supply, though a three-month supply through preferred mail order reduces the cost to $131. For higher-tier medications, you will pay coinsurance instead of flat copays, including 31% coinsurance for Tier 4 non-preferred drugs and 26% coinsurance for Tier 5 specialty drugs. This plan offers multiple ways to save on prescription costs depending on whether you use standard pharmacies or mail-order options.
Additional Benefits
The HumanaChoice H7617-085 (PPO) plan offers affordable coverage for core healthcare needs, featuring no copay and no coinsurance for primary care visits, home health services, and preventive care. For specialized medical care, members will pay a $45 copay for specialist visits, a $130 copay for emergency room visits (waived if admitted), and daily copays ranging from $262 to $280 for the first nine days of inpatient hospital stays. Outpatient services are also highly accessible, with no coinsurance and outpatient surgery options featuring no copay. This plan also includes comprehensive supplemental benefits, such as preventive and comprehensive dental care with no copay or coinsurance up to a $2,500 annual limit. Routine vision and hearing exams feature no copay, while prescription hearing aids require a copay of $599 to $899, and Medicare-covered dental and hearing exams cost a $45 copay. Additionally, durable medical equipment is covered with a 19% coinsurance and no copay, making this a well-rounded option for managing overall healthcare expenses.
Inpatient Hospital See details
HumanaChoice H7617-085 (PPO) inpatient hospital care is partially covered with no coinsurance, requiring a $280 daily copay for days 1-9 of acute stays (no copay thereafter) and a $262 daily copay for days 1-9 of psychiatric stays (no copay for days 10-90). Non-Medicare-covered stays, facility upgrades, and additional psychiatric days are not covered.
Outpatient Services See details
HumanaChoice H7617-085 (PPO) covers outpatient services with no coinsurance, including no copays for ambulatory surgical center and outpatient blood services. Outpatient hospital services have a copay ranging from $0 to $350, observation services require a $280 copay per stay, and individual or group outpatient substance abuse sessions have a $35 copay.
Partial Hospitalization See details
HumanaChoice H7617-085 (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 under HumanaChoice H7617-085 (PPO) are partially covered, with ground ambulance services requiring a $335 copay and no coinsurance, and air ambulance services requiring a 20% coinsurance and no copay. Prior authorization is required for ambulance services, fees are not waived if admitted to the hospital, and transportation services to health-related locations are not covered.
Emergency Services See details
HumanaChoice H7617-085 (PPO) covers emergency services with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours, while urgently needed services require a $50 copay and no coinsurance. Worldwide emergency, urgent care, and emergency transportation are also covered with a $130 copay and no coinsurance per service.
Primary Care See details
HumanaChoice H7617-085 (PPO) covers primary care physician visits and telehealth services with no copay and no coinsurance, while specialist visits require a $45 copay and no coinsurance. Physical, occupational, and speech therapy services cost a $30 copay, and mental health, psychiatric, and opioid treatment services carry a $35 copay with no coinsurance, though chiropractic and podiatry services are not covered.
Preventive Services See details
Preventive Services under HumanaChoice H7617-085 (PPO) are partially covered with no copay and no coinsurance for covered services like annual physical exams, kidney disease education, fitness benefits, and in-home support. However, several sub-services are not covered, including health education, personal emergency response systems (PERS), medical nutrition therapy, and weight management programs.
Hearing Services See details
HumanaChoice H7617-085 (PPO) covers Medicare-covered hearing exams for a $45 copay and routine exams and fitting evaluations with no copay, all with no coinsurance. Prescription hearing aids are partially covered up to two per year with a copay of $599 to $899 and no coinsurance, though OTC hearing aids and inner ear, outer ear, and over the ear prescription models are not covered.
Vision Services See details
Vision Services are partially covered by HumanaChoice H7617-085 (PPO), offering no coinsurance, a $0 to $45 copay for eye exams, and no copay for eyeglasses or contact lenses. While routine eye exams and combined eyeglasses or contact lenses are covered up to annual limits of $75 and $200 respectively, other eye exam services, separate eyeglass lenses, separate eyeglass frames, and upgrades are not covered.
Dental Services See details
HumanaChoice H7617-085 (PPO) partially covers dental services, offering a $45 copay and no coinsurance for Medicare-covered dental, and no copay or coinsurance for other covered preventive and comprehensive dental benefits up to a combined annual limit of $2,500. Fluoride treatments, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
HumanaChoice H7617-085 (PPO) covers Home Infusion bundled Services with no copay, though prior authorization is required. Associated Medicare Part B drugs, including chemotherapy and other drugs, require a coinsurance ranging from no coinsurance to 20%, while Part B insulin has a $35 copay and a coinsurance of up to 20%.
Dialysis Services See details
Dialysis Services are covered under the HumanaChoice H7617-085 (PPO) plan with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
HumanaChoice H7617-085 (PPO) covers durable medical equipment (DME) with a 19% coinsurance and no copay, and prosthetic devices and medical supplies with a 20% coinsurance and no copay. Diabetic supplies are covered with a 10% 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 HumanaChoice H7617-085 (PPO) with prior authorization required. Diagnostic procedures and tests carry a copay of $0 to $75 with no coinsurance, lab and outpatient X-ray services have no copay, and therapeutic radiological services require a minimum $45.00 copay and 20% coinsurance.
Home Health Services See details
Home Health Services are covered under the HumanaChoice H7617-085 (PPO) plan with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
HumanaChoice H7617-085 (PPO) covers cardiac rehabilitation services with no coinsurance, subject to prior authorization. While some services are covered, specific benefits including cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for peripheral artery disease (PAD) are not covered and carry a $15 copay.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by HumanaChoice H7617-085 (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 and a prior three-day hospital stay is not needed, but additional days beyond the standard 100 Medicare-covered days are not covered.
Other Services See details
Other services covered under the HumanaChoice H7617-085 (PPO) include acupuncture for a $45 copay and no coinsurance for up to 20 treatments per year, and a meal benefit for chronic illness with no copay or coinsurance. Both of these benefits require prior authorization, while over-the-counter (OTC) items are not covered under this plan.
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