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Humana Full Access R0110-003 (Regional PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Humana Full Access R0110-003 (Regional 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 R0110-003 (Regional PPO) in 2026, please refer to our full plan details page.
Humana Full Access R0110-003 (Regional PPO) is a Regional PPO plan offered by Humana Inc. available for enrollment in 2025 to people living in States of Louisiana and Mississippi. This plan received an overall rating of 3.5 out of 5 stars in 2026.
It's important to know that Humana Full Access R0110-003 (Regional 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 R0110-003 (Regional 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 R0110-003 (Regional PPO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $189.00. 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 has a $100.00 health deductible. This means, every calendar year, you pay this amount towards covered services before your insurance coverage kicks in.
This plan has a $100.00 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 $5500.00 (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 $5500.00 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 R0110-003 (Regional PPO) prescription drug plan features an annual drug deductible of $100. For Tier 1 preferred generic drugs, you will pay no copay for one-month or three-month supplies at standard pharmacies and preferred mail-order services. Tier 2 generic medications are also highly affordable, with a $5 copay for a one-month supply at standard pharmacies and no copay for a three-month supply via preferred mail order. Tier 3 preferred brand drugs require a $47 copay for a one-month supply at standard pharmacies, preferred mail order, and standard mail order. For higher-tier prescriptions, Tier 4 non-preferred drugs have a 48% coinsurance, while Tier 5 specialty drugs carry a 31% coinsurance. These clear tiers help you understand your out-of-pocket costs when choosing standard pharmacies or mail-order options.
Additional Benefits
The Humana Full Access R0110-003 (Regional PPO) plan offers robust coverage with no copay and no coinsurance for inpatient hospital stays, preventive services, primary care doctor visits, and home health services. For emergency care, members pay a $150 copay, which is waived if admitted, while specialist visits and outpatient substance abuse sessions require a $35 copay. Outpatient surgical services and diagnostic labs are also available with no copay, making essential medical care highly affordable. Routine vision and dental preventive care feature no copay, though restorative dental services require a 30% to 40% coinsurance up to a $1,500 annual limit. Prescription hearing aids are covered with copays ranging from $699 to $999, while durable medical equipment and dialysis services generally require a 20% coinsurance with no copay. Skilled nursing facility care is covered with no copay for the first 20 days, followed by a $218 daily copay for days 21 through 100.
Inpatient Hospital See details
Humana Full Access R0110-003 (Regional PPO) covers inpatient acute and psychiatric hospital stays with no copay and no coinsurance, though prior authorization is required. This benefit is partially covered because non-Medicare-covered stays, hospital upgrades, and additional days for psychiatric stays are not covered.
Outpatient Services See details
Outpatient services are covered by Humana Full Access R0110-003 (Regional PPO) with no coinsurance, featuring no copay for ambulatory surgical center, observation, and blood services. Outpatient hospital services have a copay ranging from $0 to $35, while individual and group outpatient substance abuse sessions require a $35 copay.
Partial Hospitalization See details
Humana Full Access R0110-003 (Regional PPO) covers partial hospitalization services with a $35.00 copay and no coinsurance. Prior authorization is required to receive coverage for this benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered by the Humana Full Access R0110-003 (Regional PPO) plan, which features a $335 copay for ground ambulance services and a 20% coinsurance for air ambulance services. Prior authorization is required for ambulance services, and fees are not waived if admitted to the hospital, while transportation services to health-related locations are not covered.
Emergency Services See details
Humana Full Access R0110-003 (Regional 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
Humana Full Access R0110-003 (Regional PPO) covers primary care physician services and telehealth benefits with no copay and no coinsurance, while physical, occupational, and speech therapy require a $25 copay and no coinsurance. Specialist visits, mental health, psychiatric, and opioid treatment services require a $35 copay and no coinsurance, whereas chiropractic and podiatry services are not covered.
Preventive Services See details
Preventive services are covered by Humana Full Access R0110-003 (Regional PPO) with no copay and no coinsurance, including annual physicals, kidney disease education, and diabetes self-management. Additional preventive benefits are partially covered, excluding health education, in-home safety assessments, PERS, medical nutrition therapy, medication reconciliation, readmission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, caregiver support, smoking cessation, disease management, telemonitoring, remote access, home safety modifications, and counseling.
Hearing Services See details
Humana Full Access R0110-003 (Regional PPO) partially covers hearing services, offering Medicare-covered exams for a $35 copay and routine exams or fitting evaluations with no copay, all with no coinsurance. Prescription hearing aids are covered with copays ranging from $699 to $999 and no coinsurance, but OTC, inner ear, outer ear, and over the ear hearing aids are not covered.
Vision Services See details
Humana Full Access R0110-003 (Regional PPO) partially covers vision services with copays ranging from $0 to $35 and no coinsurance, though prior authorization is required. Annual routine eye exams and one pair of contact lenses or eyeglasses are covered up to a combined $350 limit, while other eye exams, separate lenses, separate frames, and upgrades are not covered.
Dental Services See details
Humana Full Access R0110-003 (Regional PPO) offers partially covered dental services with a $1,500 annual maximum, featuring Medicare-covered dental services for a $35 copay and no coinsurance. Preventive care and several comprehensive services have no copay and no coinsurance, while restorative and prosthodontic services require no copay and 30% to 40% coinsurance; fluoride, implants, orthodontics, and maxillofacial prosthetics are not covered.
Home Infusion bundled Services See details
Humana Full Access R0110-003 (Regional PPO) covers home infusion bundled services with no copay, though prior authorization and step therapy are required. Covered Part B chemotherapy, radiation, and other drugs require 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 under the Humana Full Access R0110-003 (Regional PPO) plan with no copay and a 20% coinsurance, subject to prior authorization.
Medical Equipment See details
Medical equipment is covered by Humana Full Access R0110-003 (Regional PPO) with prior authorization required, featuring a 20% coinsurance and no copay for durable medical equipment, prosthetics, and medical supplies. Diabetic supplies require a 10% to 20% coinsurance and no copay, while diabetic therapeutic shoes or inserts require a $10 copay and no coinsurance.
Diagnostic and Radiological Services See details
Humana Full Access R0110-003 (Regional PPO) covers diagnostic and radiological services, requiring prior authorization for all services. Outpatient lab services and diagnostic radiological services feature no copay, while diagnostic procedures range from a $0 to $100 copay with no coinsurance. Therapeutic radiological services require a minimum $35 copay and 20% coinsurance, and outpatient X-rays have no copay but do require coinsurance.
Home Health Services See details
Humana Full Access R0110-003 (Regional PPO) covers Home Health Services with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Humana Full Access R0110-003 (Regional PPO) covers cardiac rehabilitation services with no coinsurance and a $20 copay, though prior authorization is required. While some services are covered, cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for peripheral artery disease (PAD) services are not covered in practice.
Skilled Nursing Facility (SNF) See details
Humana Full Access R0110-003 (Regional PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization but allowing admission without a prior three-day hospital stay. There is no copay for days 1 through 20, a $218 daily copay for days 21 through 100, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Humana Full Access R0110-003 (Regional PPO) partially covers other services, offering acupuncture for a $35 copay and no coinsurance up to 20 treatments annually, and chronic illness meal benefits with no copay and no coinsurance. Prior authorization is required for these covered services, and over-the-counter (OTC) items are not covered.
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