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HumanaChoice H7617-091 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for HumanaChoice H7617-091 (PPO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on HumanaChoice H7617-091 (PPO) in 2026, please refer to our full plan details page.
HumanaChoice H7617-091 (PPO) is a PPO plan offered by Humana Inc. available for enrollment in 2026 to people living in Alabama. This plan received an overall rating of 4.5 out of 5 stars in 2026.
It's important to know that HumanaChoice H7617-091 (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 H7617-091 (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 H7617-091 (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 has a $450.00 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 $6200.00 (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 $6200.00 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 H7617-091 (PPO) plan features a $590.00 prescription drug deductible before initial coverage begins. Under the initial coverage phase, Tier 1 preferred generic drugs are available for a $5.00 copay at standard pharmacies and preferred mail, or a $20.00 copay through standard mail. Tier 2 standard generic drugs require a $47.00 copay, while tier 3 preferred brands and tier 4 non-preferred drugs have coinsurance rates of 47% and 26% respectively. Once your annual out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase and will pay nothing for covered Medicare Part D prescription drugs. Furthermore, individuals who qualify for the low-income subsidy program will benefit from a reduced premium of no cost for Part D coverage.
Additional Benefits
The HumanaChoice H7617-091 (PPO) plan offers robust medical coverage with no copay for primary care visits, preventive services, and home health care. For specialized medical care, members pay a $30 copay for specialist visits, a $150 copay for emergency room services, and a $275 daily copay for the first seven days of acute inpatient hospital stays. Diagnostic services like lab work and outpatient X-rays are also available with no copay, helping to keep routine healthcare costs predictable and low. Additional benefits include dental coverage with no copay for most services up to a $2,000 annual limit, alongside vision coverage that includes no copay for eyewear up to a $250 yearly limit. Hearing exams require a $30 copay, while over-the-counter hearing aids, meals, and over-the-counter items are all covered with no copay. Durable medical equipment and dialysis services require a 20% coinsurance with no copay, providing a well-rounded balance of low-cost preventive care and dependable medical coverage.
Inpatient Hospital See details
HumanaChoice H7617-091 (PPO) partially covers inpatient hospital services with prior authorization, requiring a $275 daily copay for days 1-7 of acute stays (with no copay or coinsurance for days 8-999) and days 1-6 of psychiatric stays (with no copay or coinsurance for days 7-90). Hospital upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered under this plan.
Outpatient Services See details
Outpatient services are covered by HumanaChoice H7617-091 (PPO) with no coinsurance, though prior authorization is required for most care. Patients pay a $0 to $350 copay for outpatient hospital services, a $275 copay per stay for observation services, a $35 copay for substance abuse sessions, and no copay for ambulatory surgical center and blood services.
Partial Hospitalization See details
HumanaChoice H7617-091 (PPO) covers partial hospitalization benefits with a $35 copay and no coinsurance. Prior authorization is required for these services.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered under HumanaChoice H7617-091 (PPO), as transportation services to health-related locations are not covered. Ground ambulance services require a $335 copay and no coinsurance, while air ambulance services require a 20% coinsurance and no copay.
Emergency Services See details
HumanaChoice H7617-091 (PPO) covers emergency services with a $150 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services require a $65 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with a $150 copay and no coinsurance.
Primary Care See details
HumanaChoice H7617-091 (PPO) covers primary care physician services with no copay and no coinsurance, while specialist visits require a $30 copay and physical, occupational, and speech therapies require a $20 copay with no coinsurance. Mental health, psychiatric, and opioid treatment services have a $35 copay with no coinsurance, but podiatry services and routine chiropractic care are not covered.
Preventive Services See details
HumanaChoice H7617-091 (PPO) covers preventive services, including annual physical exams and kidney disease education, with no copays or coinsurance. Additional preventive benefits are only partially covered, with excluded sub-services including health education, weight management, personal emergency response systems, and alternative therapies.
Hearing Services See details
HumanaChoice H7617-091 (PPO) covers hearing exams with a $30 copay and OTC hearing aids with no copay, both with no deductible or coinsurance. Prescription hearing aids are partially covered with a $399 to $699 copay and no coinsurance, though inner ear, outer ear, and over the ear models are not covered.
Vision Services See details
HumanaChoice H7617-091 (PPO) covers eye exams with a $0 to $30 copay and no coinsurance, up to a $75 annual limit. Eyewear is partially covered with no copay or coinsurance up to a $250 annual limit for contact lenses and complete eyeglasses, though individual eyeglass lenses, individual frames, and upgrades are not covered.
Dental Services See details
Dental services are partially covered by HumanaChoice H7617-091 (PPO) up to a $2,000 annual maximum for both in-network and out-of-network care. Most covered services require no copay and no coinsurance, though Medicare-covered dental services have a $30 copay (no coinsurance), prosthodontics require a 30% coinsurance (no copay), and fluoride treatment, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
HumanaChoice H7617-091 (PPO) covers Home Infusion bundled Services, which require prior authorization. Covered Medicare Part B insulin drugs require a $35 copay and up to 20% coinsurance (with a minimum of no coinsurance), while chemotherapy, radiation, and other Part B drugs have no copay and the same coinsurance range of no coinsurance to 20%.
Dialysis Services See details
Dialysis services are covered under the HumanaChoice H7617-091 (PPO) plan with no copay and 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
HumanaChoice H7617-091 (PPO) covers medical equipment, including durable medical equipment (DME), prosthetics, and medical supplies, which require a 20% coinsurance and no copay. Covered diabetic supplies carry a 10% to 20% coinsurance and no copay, while diabetic therapeutic shoes and inserts require a $10 copay and no coinsurance. Prior authorization is required for these benefits.
Diagnostic and Radiological Services See details
HumanaChoice H7617-091 (PPO) covers diagnostic and radiological services with prior authorization, offering lab services and outpatient X-rays with no copay or coinsurance. Diagnostic tests and diagnostic radiological services have copays ranging from no copay up to $65 and $335 respectively with no coinsurance, while therapeutic radiological services require a $30 copay and 20% coinsurance.
Home Health Services See details
Home health services are covered by HumanaChoice H7617-091 (PPO) with no copay and no coinsurance. Prior authorization is required to receive these benefits.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the HumanaChoice H7617-091 (PPO) plan, as cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are all excluded from coverage.
Skilled Nursing Facility (SNF) See details
HumanaChoice H7617-091 (PPO) partially covers Skilled Nursing Facility (SNF) services with prior authorization, offering no copay and no coinsurance for days 1 through 20, and a $218 daily copay with no coinsurance for days 21 through 100. Additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
HumanaChoice H7617-091 (PPO) partially covers other services, which exclude Dual Eligible SNPs with Highly Integrated Services. Covered benefits include acupuncture for a $30 copay and no coinsurance, as well as over-the-counter items and meal benefits with no copay and no coinsurance.
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