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HumanaChoice R0110-011 (Regional PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for HumanaChoice R0110-011 (Regional PPO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on HumanaChoice R0110-011 (Regional PPO) in 2025, please refer to our full plan details page.
HumanaChoice R0110-011 (Regional PPO) is a Regional PPO plan offered by Humana Inc. available for enrollment in 2025 to people living in Indiana and Kentucky. This plan received an overall rating of 3.5 out of 5 stars in 2025.
It's important to know that HumanaChoice R0110-011 (Regional PPO) is a Medicare Advantage (MA) Plan without drug coverage. That means that this plan covers medical services but doesn't cover prescription drugs. If you are looking for a plan with prescription drug coverage, please search for other MA and PDP plans offered in your area.
Key Plan Facts
Below are a few key facts and commonly-asked questions about HumanaChoice R0110-011 (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 HumanaChoice R0110-011 (Regional 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.
Drugs are not covered by this plan, so a prescription drug deductible is not applicable.
Out-of-Pocket Maximums
This plan has a combined Maximum Out-Of-Pocket cost of $10050.00 (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 $10050.00 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
Prescription drugs are not covered by HumanaChoice R0110-011 (Regional PPO).
Additional Benefits
The HumanaChoice R0110-011 (Regional PPO) plan offers a range of benefits with varying costs. Inpatient hospital stays have a copay, while outpatient services have a mix of copays, and some services like ambulance and emergency services have copays. The plan covers primary care, preventive, hearing, vision, and dental services, with varying copays or no copay for some services. Additional benefits include home health, skilled nursing, and other services like acupuncture and over-the-counter items.
Inpatient Hospital See details
Inpatient Hospital benefits, including acute and psychiatric care, are covered. For Inpatient Hospital-Acute, you pay a $275 copay for days 1-6, and no copay for days 7-90, while for Inpatient Hospital Psychiatric, you pay a $275 copay for days 1-5, and no copay for days 6-90.
Outpatient Services See details
Outpatient services include outpatient hospital services with a copay between $0 and $245, observation services with a $275 copay, ambulatory surgical center services with no copay, and outpatient substance abuse services with a copay between $30 and $80 for both individual and group sessions. Outpatient blood services are also covered with no copay.
Partial Hospitalization See details
Partial Hospitalization is covered by HumanaChoice R0110-011 (Regional PPO), with a $55 copay. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered, including ground and air ambulance services with a $270 copay. Transportation Services to a plan-approved health-related location are covered with no copay for up to 24 one-way trips per year, while transportation services to any health-related location are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered by the HumanaChoice R0110-011 (Regional PPO) plan. Emergency Services have an $80 copay, Urgently Needed Services have a $55 copay, and Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation each have an $80 copay.
Primary Care See details
The HumanaChoice R0110-011 (Regional PPO) plan covers primary care physician services and chiropractic services with no copay, and occupational therapy services with a $20-$30 copay. The plan also covers physician specialist services with a $30 copay, and mental health specialty services, individual and group psychiatric sessions, and opioid treatment program services with a $30-$80 copay. Physical therapy and speech-language pathology services have a $20-$30 copay, and additional telehealth benefits range from no copay to a $55 copay. Podiatry services are not covered.
Preventive Services See details
The HumanaChoice R0110-011 (Regional PPO) plan covers preventive services, including an annual physical exam with no copay. Additional preventive services are covered, and other services such as health education, in-home safety assessments, and more are not covered.
Hearing Services See details
Hearing Services include hearing exams with a $30 copay, routine hearing exams with no copay, fitting/evaluation for hearing aids with no copay, and OTC hearing aids with a $100 maximum benefit every three months. Prescription hearing aids are partially covered, with all types covered with a $299 maximum copay every three years, while prescription hearing aids for the inner, outer, and over the ear are not covered.
Vision Services See details
HumanaChoice R0110-011 (Regional PPO) covers vision services including eye exams and eyewear. Eye exams have a copay between $0 and $30, and eyewear has no copay; however, eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
The HumanaChoice R0110-011 (Regional PPO) plan offers dental services, including oral exams, dental x-rays, other diagnostic dental services, prophylaxis (cleaning), other preventive dental services, restorative services, adjunctive general services, endodontics, periodontics, prosthodontics (removable), and oral and maxillofacial surgery. Oral exams, dental x-rays, other diagnostic dental services, prophylaxis (cleaning), other preventive dental services, restorative services, adjunctive general services, endodontics, periodontics, and oral and maxillofacial surgery each have a $0 copay, while fluoride treatment, maxillofacial prosthetics, implant services, prosthodontics (fixed), and orthodontics are not covered. The plan has a maximum benefit coverage of $1,000 per year for both in and out-of-network services.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, with prior authorization required. Medicare Part B Insulin Drugs have a $35 copay and a coinsurance between 0% and 20%, while Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs have a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered under the HumanaChoice R0110-011 (Regional PPO) plan. The coinsurance for Dialysis Services is 20%.
Medical Equipment See details
Medical Equipment, including Durable Medical Equipment (DME), Prosthetics/Medical Supplies, and Diabetic Equipment, is covered. DME has a 13% coinsurance, and Durable Medical Equipment for use outside the home is not covered. Prosthetic Devices have a 20% coinsurance, and Medical Supplies also have a 20% coinsurance. Diabetic Supplies have a coinsurance between 10% and 20%, with no copay, while Diabetic Therapeutic Shoes/Inserts have a $10 copay.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services include coverage for all diagnostic services, diagnostic procedures/tests, lab services, and all radiological services. Diagnostic Procedures/Tests have a copay between $0 and $105, Lab Services have no copay, Diagnostic Radiological Services have a maximum copay of $295, and Therapeutic Radiological Services have a maximum copay of $30 and a minimum coinsurance of 20%.
Home Health Services See details
Home Health Services are covered by the HumanaChoice R0110-011 (Regional PPO) plan with no copay and no coinsurance, but additional hours of care and personal care services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered, but the plan does not cover any of the sub-services. Prior authorization is required for coverage.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by HumanaChoice R0110-011 (Regional PPO) with a $0 copay for days 1-20 and a $178 copay for days 21-100; however, additional days beyond Medicare-covered and non-Medicare-covered stays are not covered. Prior authorization is required.
Other Services See details
The HumanaChoice R0110-011 (Regional PPO) plan covers acupuncture with a $30 copay, as well as over-the-counter items, including nicotine replacement therapy and naloxone, with a maximum benefit of $100 every three months. This plan also covers a meal benefit with no copay. However, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, Case Management (Long Term Care), Institution for Mental Disease Services for Individuals 65 or Older, Services in an Intermediate Care Facility for Individuals with Intellectual Disabilities, Case Management, Tobacco Cessation Counseling for Pregnant Women, Freestanding Birth Center Services, Respiratory Care Services, Family Planning Services, Nursing Home Services, Home and Community Based Services, Personal Care Services, and Self-Directed Personal Assistance Services are not covered.
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