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HumanaChoice Florida H7617-109 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for HumanaChoice Florida H7617-109 (PPO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on HumanaChoice Florida H7617-109 (PPO) in 2026, please refer to our full plan details page.
HumanaChoice Florida H7617-109 (PPO) is a PPO plan offered by Humana Inc. available for enrollment in 2026 to people living in Central Florida. This plan received an overall rating of 4.5 out of 5 stars in 2026.
It's important to know that HumanaChoice Florida H7617-109 (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 Florida H7617-109 (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 Florida H7617-109 (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.
This plan does not come with a Part B Premium reduction. You must continue to pay your 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 $615.00 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 $8900.00 (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 $8900.00 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:
Sign up for HumanaChoice Florida H7617-109 (PPO)
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Drug Coverage
The HumanaChoice Florida H7617-109 (PPO) Medicare prescription drug plan features an annual drug deductible of $615. For Tier 1 preferred generic drugs, there is no copay for a 1-month or 3-month supply at standard pharmacies and through preferred mail order. Tier 2 generic drugs cost a $5 copay for a 1-month supply at standard pharmacies, with no copay required for a 3-month supply filled through preferred mail order. Tier 3 preferred brand drugs require a $47 copay for a 1-month supply at standard pharmacies and through mail order services. For higher-tier medications, Tier 4 non-preferred drugs carry a 46% coinsurance, and Tier 5 specialty drugs require a 25% coinsurance for a 1-month supply.
Additional Benefits
The HumanaChoice Florida H7617-109 (PPO) plan offers robust medical coverage with no copay for primary care visits, preventive services, and home health care. Specialist visits require a $30 copay, while inpatient hospital stays incur a $425 daily copay for the first four days followed by no copay for days five through ninety. Emergency room visits have a $130 copay, which is waived if you are admitted, and urgently needed care has a $15 copay. This plan also includes key dental, vision, and hearing benefits, featuring no copays for routine eye exams, preventive dental care, and routine hearing evaluations. Dental services are covered up to a $1,000 annual limit with some restorative care requiring a 30% to 40% coinsurance, while prescription hearing aids are covered up to $1,000 every three years. Additionally, durable medical equipment and dialysis services are covered with a 20% coinsurance and no copay.
Inpatient Hospital See details
HumanaChoice Florida H7617-109 (PPO) partially covers inpatient hospital services with no coinsurance, requiring a $425 daily copay for days 1 to 4 and no copay for days 5 to 90. While unlimited additional acute care days are covered with no copay, upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
HumanaChoice Florida H7617-109 (PPO) covers outpatient services with no coinsurance, offering no copay for ambulatory surgical center and blood services. Outpatient hospital services have a copay ranging from $0 to $225 (or $425 per stay for observation), while individual and group outpatient substance abuse sessions require a copay of $30 to $35.
Partial Hospitalization See details
HumanaChoice Florida H7617-109 (PPO) covers partial hospitalization with a $35.00 copay and no coinsurance. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
HumanaChoice Florida H7617-109 (PPO) covers ambulance services with prior authorization, requiring a $120 to $240 copay and no coinsurance for ground transport, and a 20% coinsurance with no copay for air transport. Transportation services to health-related locations are not covered under this plan.
Emergency Services See details
Emergency services are covered under HumanaChoice Florida H7617-109 (PPO) with a $130 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services require a $15 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with a $130 copay and no coinsurance.
Primary Care See details
HumanaChoice Florida H7617-109 (PPO) provides primary care physician services with no copay and no coinsurance, and specialist visits with a $30 copay and no coinsurance. Other covered benefits, including physical therapy, mental health, and telehealth, feature copays ranging from no copay up to $35 with no coinsurance, while chiropractic and podiatry services are not covered.
Preventive Services See details
HumanaChoice Florida H7617-109 (PPO) covers preventive services with no copay and no coinsurance, including annual physical exams, kidney disease education, and diabetes self-management training. This benefit is partially covered because sub-services such as health education, medical nutrition therapy, weight management programs, and in-home safety assessments are not covered.
Hearing Services See details
HumanaChoice Florida H7617-109 (PPO) hearing services include Medicare-covered exams for a $30 copay and no coinsurance, alongside annual routine exams and fitting evaluations with no copay and no coinsurance. Prescription hearing aids are partially covered with no copay, no coinsurance, and a $1,000 maximum limit every three years (inner ear, outer ear, and over the ear types are not covered), while OTC hearing aids are covered with no copay and no coinsurance.
Vision Services See details
HumanaChoice Florida H7617-109 (PPO) vision services are partially covered, offering routine eye exams and eyeglasses or contact lenses with no copays, no coinsurance, and no deductibles. Covered services are subject to annual limits of $75 for exams and $150 for eyewear, while other eye exam services, separate eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
HumanaChoice Florida H7617-109 (PPO) partially covers dental services up to a $1,000 annual limit, offering preventive and diagnostic care with no copay and no coinsurance, while restorative and prosthodontic services require no copay and a 30% to 40% coinsurance. Medicare-covered dental has a $30 copay and no coinsurance, but fluoride treatments, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
HumanaChoice Florida H7617-109 (PPO) covers Home Infusion bundled Services with no copay, though prior authorization and step therapy may be required. Under this benefit, Medicare Part B chemotherapy, radiation, and other drugs require no coinsurance to 20% coinsurance, while Part B insulin is covered with a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
HumanaChoice Florida H7617-109 (PPO) covers dialysis services with no copay and a 20% coinsurance, although prior authorization is required.
Medical Equipment See details
HumanaChoice Florida H7617-109 (PPO) covers durable medical equipment, prosthetics, and diabetic supplies with no copay and a 20% coinsurance. Diabetic therapeutic shoes and inserts are covered with a $5 copay, with prior authorization required for most medical equipment and supplies.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by HumanaChoice Florida H7617-109 (PPO) with prior authorization, featuring no copay for lab tests and outpatient X-rays, and no coinsurance for diagnostic services. Outpatient diagnostic procedures and tests have a copay ranging from $0 to $225, while therapeutic radiological services require a minimum 20% coinsurance with no copay.
Home Health Services See details
Home Health Services are covered by HumanaChoice Florida H7617-109 (PPO) with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are partially covered under HumanaChoice Florida H7617-109 (PPO) with no coinsurance, though prior authorization is required. While some additional services are covered, standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy for symptomatic peripheral artery disease are not covered.
Skilled Nursing Facility (SNF) See details
HumanaChoice Florida H7617-109 (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, featuring no copay for days 1 through 20 and a $160 daily copay for days 21 through 100. Prior authorization is required, a prior three-day hospital stay is not required, and additional days beyond the standard 100-day Medicare benefit are not covered.
Other Services See details
HumanaChoice Florida H7617-109 (PPO) provides coverage for acupuncture, over-the-counter (OTC) items, and chronic illness meal benefits with no copay and no coinsurance. Prior authorization is required for the meal benefit and acupuncture, which is limited to 25 treatments per year.
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