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Humana Full Access Giveback H7617-111 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Humana Full Access Giveback H7617-111 (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 Giveback H7617-111 (PPO) in 2026, please refer to our full plan details page.
This summary reflects 2026 plan information. Where this plan continues in 2027, the full plan details page links to its 2027 benefits and costs.
Humana Full Access Giveback H7617-111 (PPO) is a PPO plan offered by Emphesys Insurance Company available for the 2026 plan year to people living in Central and North Florida. This plan received an overall rating of 4.5 out of 5 stars in 2026.
It's important to know that Humana Full Access Giveback H7617-111 (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 Giveback H7617-111 (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 Giveback H7617-111 (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 $170.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan has a $500.00 health deductible. This means, every calendar year, you pay this amount towards covered services before your insurance coverage kicks in.
This plan has a $600.00 drug deductible that applies only to drugs in certain tiers. You pay this amount toward covered prescriptions in those tiers before the plan's cost sharing begins; drugs in the other tiers are not subject to the deductible. See the full plan details page for the tier table.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $6750.00 for in-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your out-of-pocket costs reach $6750.00 for in-network covered services, the plan will pay 100% of in-network covered costs for the rest of the year.
This plan has a Maximum Out-Of-Pocket cost of $6750.00 (in-network and out-of-network combined). You will pay copays, coinsurance, and deductibles toward this amount. Once your out-of-pocket costs reach $6750.00 for covered services, the plan will pay 100% of covered costs for the rest of the year.
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 Giveback H7617-111 (PPO) prescription drug plan has an annual drug deductible of $600. For Tier 1 preferred generic drugs, you will pay no copay for a 1-month or 3-month supply at standard pharmacies and through preferred mail order. Tier 2 generic drugs are also budget-friendly, featuring a $5 copay for a 1-month supply at standard pharmacies and no copay for a 3-month supply when using preferred mail order. Tier 3 preferred brand drugs require a $47 copay for a 1-month supply, though you can save on a 3-month supply through preferred mail order for $94. For advanced medications, Tier 4 non-preferred drugs have a 49% coinsurance, while Tier 5 specialty drugs carry a 26% coinsurance. Understanding these copay and coinsurance tiers can help you maximize your savings on the Humana Full Access Giveback H7617-111 (PPO) plan.
Additional Benefits
The Humana Full Access Giveback H7617-111 (PPO) plan offers affordable access to core medical care, featuring no copay for primary care visits, preventive care, and home health services. Specialist office visits require a $45 copay, while inpatient hospital stays require a $400 daily copay for the first several days followed by no copay for the remainder of your stay. Emergency room visits carry a $130 copay, which is waived if you are admitted to the hospital within 24 hours. For supplemental coverage, the plan provides routine vision and hearing exams with no copay, alongside a $500 annual allowance per ear for prescription hearing aids. Dental benefits include a $1,000 annual limit with no copay for preventive care and a $25 copay for restorative services. Other specialized needs, such as durable medical equipment and dialysis, are covered with no copay and coinsurance ranging from 15% to 20%.
Inpatient Hospital See details
Humana Full Access Giveback H7617-111 (PPO) inpatient hospital services are partially covered with no coinsurance, requiring a $400 daily copay for days 1 through 7 of acute stays and days 1 through 5 of psychiatric stays, followed by no copay for remaining covered days. Non-Medicare-covered stays, acute hospital upgrades, and additional psychiatric stay days are not covered.
Outpatient Services See details
Humana Full Access Giveback H7617-111 (PPO) covers outpatient services with no coinsurance, offering no copay for ambulatory surgical center and outpatient blood services. Outpatient hospital services require a copay of $0 to $295 ($400 per stay for observation services), while outpatient substance abuse sessions have a $30 to $35 copay.
Partial Hospitalization See details
Humana Full Access Giveback H7617-111 (PPO) covers partial hospitalization services with a $35.00 copay and no coinsurance. Prior authorization is required for these covered benefits.
Ambulance and Transportation Services See details
Humana Full Access Giveback H7617-111 (PPO) covers ambulance services with prior authorization, requiring a $190 to $240 copay and no coinsurance for ground transport, and a 20% coinsurance with no copay for air transport. While 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 Giveback H7617-111 (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 $15 copay with 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 Giveback H7617-111 (PPO) covers primary care physician services and select telehealth visits with no copay and no coinsurance, while specialist visits require a $45 copay and no coinsurance. Other covered services like physical therapy, occupational therapy, and mental health sessions have copays ranging from $30 to $35 with no coinsurance, though routine chiropractic care is not covered.
Preventive Services See details
Humana Full Access Giveback H7617-111 (PPO) covers preventive services with no copayments and no coinsurance, including annual physical exams, kidney disease education, and diabetes self-management training. While select supplemental benefits like fitness and in-home support are covered, other services such as health education, home safety assessments, and personal emergency response systems are not covered.
Hearing Services See details
Humana Full Access Giveback H7617-111 (PPO) covers hearing exams with no coinsurance and a $45 copay for Medicare-covered benefits, while routine exams and fitting evaluations have no copay and no coinsurance. Prescription hearing aids are partially covered with no copay and no coinsurance up to $500 per ear annually, excluding inner ear, outer ear, and over-the-ear models. Over-the-counter hearing aids are also covered with no copay and no coinsurance.
Vision Services See details
Humana Full Access Giveback H7617-111 (PPO) provides partially covered vision services with no deductible, no copay, and no coinsurance for annual routine eye exams, contact lenses, and eyeglasses. Other eye exam services, individual eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
Humana Full Access Giveback H7617-111 (PPO) offers partially covered dental services with a $1,000 annual maximum, featuring no copay and no coinsurance for preventive services, a $25 copay and no coinsurance for restorative services, and a $45 copay and no coinsurance for Medicare-covered dental. Fluoride, endodontics, periodontics, prosthodontics, maxillofacial prosthetics, implants, oral and maxillofacial surgery, and orthodontics are not covered under this plan.
Home Infusion bundled Services See details
Home infusion bundled services are covered by Humana Full Access Giveback H7617-111 (PPO) with no copay, though prior authorization is required. Associated Medicare Part B drugs, including chemotherapy, radiation, and insulin, require no coinsurance to 20% coinsurance, with insulin specifically featuring a $35 copay.
Dialysis Services See details
Humana Full Access Giveback H7617-111 (PPO) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
Humana Full Access Giveback H7617-111 (PPO) covers durable medical equipment and medical supplies with a 15% coinsurance and no copay. Prosthetics and diabetic supplies are covered with a 20% coinsurance and no copay, while diabetic therapeutic shoes and inserts require a $5 copay.
Diagnostic and Radiological Services See details
Diagnostic and radiological services under the Humana Full Access Giveback H7617-111 (PPO) require prior authorization and feature no copays for lab services, diagnostic radiology, and outpatient X-rays, though coinsurance applies to lab and X-ray services. Diagnostic procedures and tests have a $0 to $150 copay and 20% coinsurance, while therapeutic radiological services require a minimum $45 copay and 20% coinsurance.
Home Health Services See details
Home Health Services are covered by the Humana Full Access Giveback H7617-111 (PPO) plan with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Humana Full Access Giveback H7617-111 (PPO) covers some cardiac rehabilitation services with no coinsurance, but in practice, cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) services are not covered. These non-covered services require prior authorization and have copays ranging from $15 to $30.
Skilled Nursing Facility (SNF) See details
Humana Full Access Giveback H7617-111 (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization but no prior three-day inpatient hospital stay. You will pay no copay for days 1 through 20 and a $160 daily copay for days 21 through 100, though additional days beyond the standard Medicare limit are not covered.
Other Services See details
Humana Full Access Giveback H7617-111 (PPO) partially covers other services, offering acupuncture for up to 25 treatments per year and chronic/home-bound meal benefits with no copay and no coinsurance, though prior authorization is required. Over-the-counter (OTC) items are not covered under this benefit.
Plan Providers
Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, Health Care Service Corporation, HealthSpringSM, HealthSun, Healthy Blue, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint.
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Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
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