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HumanaChoice R0110-013 (Regional PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for HumanaChoice R0110-013 (Regional PPO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on HumanaChoice R0110-013 (Regional PPO) in 2026, please refer to our full plan details page.
HumanaChoice R0110-013 (Regional PPO) is a Regional PPO plan offered by Humana Inc. available for enrollment in 2025 to people living in Michigan. This plan received an overall rating of 3.5 out of 5 stars in 2026.
It's important to know that HumanaChoice R0110-013 (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 R0110-013 (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 R0110-013 (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 $6550.00 (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 $6550.00 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 R0110-013 (Regional PPO)
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Drug Coverage
Prescription drugs are not covered by HumanaChoice R0110-013 (Regional PPO).
Additional Benefits
The HumanaChoice R0110-013 (Regional PPO) offers comprehensive medical coverage with no copay for primary care physician visits, while specialist visits require a 30 dollar copay. For hospital stays, inpatient acute care incurs a 295 dollar daily copay for the first six days and no copay thereafter, while outpatient hospital services range from no copay up to a 270 dollar copay. Emergency room visits carry a 90 dollar copay, which is waived if you are admitted to the hospital within 24 hours. This plan also features strong supplemental benefits, including dental coverage up to a 2,000 dollar annual limit with no copay for most covered services. Vision and hearing care are partially covered, offering routine eye and hearing exams with no copay, alongside coverage for prescription eyeglasses and hearing aids. Additionally, there is no copay or coinsurance for home health services and durable medical equipment, helping you manage your health costs at home.
Inpatient Hospital See details
HumanaChoice R0110-013 (Regional PPO) covers inpatient hospital services with no coinsurance, though prior authorization is required. For acute care, you pay a $295 daily copay for days 1 to 6 and no copay for days 7 and beyond, while psychiatric care requires a $295 daily copay for days 1 to 5 and no copay for days 6 to 90. This benefit is partially covered, as upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
HumanaChoice R0110-013 (Regional PPO) covers outpatient services with no coinsurance, featuring no copay for ambulatory surgical center and blood services. Outpatient hospital services require a copay of $0 to $270, observation services carry a $295 copay per stay, and outpatient substance abuse sessions have a copay of $20 to $35.
Partial Hospitalization See details
HumanaChoice R0110-013 (Regional PPO) covers partial hospitalization services with a $35.00 copay and no coinsurance. Prior authorization is required to receive this covered benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services under HumanaChoice R0110-013 (Regional PPO) include Medicare-covered ground and air ambulance services for a $250 copay and no coinsurance, with prior authorization required. Transportation services to health-related locations are not covered under this plan.
Emergency Services See details
HumanaChoice R0110-013 (Regional PPO) covers emergency services with a $90 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services require a $50 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with a $90 copay and no coinsurance.
Primary Care See details
HumanaChoice R0110-013 (Regional PPO) offers primary care physician visits with no copay and no coinsurance, while specialist visits require a $30 copay and no coinsurance. Other covered services like therapy, mental health, and telehealth range from no copay up to a $50 copay with no coinsurance, while chiropractic and podiatry services are not covered.
Preventive Services See details
HumanaChoice R0110-013 (Regional PPO) preventive services are partially covered with no copay and no coinsurance for covered care such as annual physical exams, kidney disease education, and diabetes self-management training. However, several additional services are not covered, including health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, readmission prevention, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, smoking cessation counseling, disease management, telemonitoring, remote access technologies, home safety modifications, and counseling.
Hearing Services See details
HumanaChoice R0110-013 (Regional PPO) partially covers hearing services, offering Medicare-covered exams for a $30 copay and routine exams or fitting evaluations with no copay, all with no coinsurance. Prescription hearing aids are covered up to two per year with a copay ranging from $399 to $999 and no coinsurance, though OTC hearing aids and inner-ear, outer-ear, and over-the-ear prescription models are not covered.
Vision Services See details
HumanaChoice R0110-013 (Regional PPO) provides partially covered vision services with no coinsurance, featuring a copay of $0 to $30 for eye exams and no copay for contact lenses or eyeglasses. While routine eye exams and complete eyeglasses are covered, other eye exam services, separate eyeglass lenses, separate frames, and upgrades are not covered.
Dental Services See details
HumanaChoice R0110-013 (Regional PPO) offers partially covered dental services up to a $2,000 annual maximum, with a $30 copay and no coinsurance for Medicare-covered dental, and no copay or coinsurance for other covered services. Fluoride treatment, removable prosthodontics, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by HumanaChoice R0110-013 (Regional PPO) with no copay, though prior authorization is required. Covered Medicare Part B chemotherapy, radiation, and other Part B drugs have no copay and 0% to 19% coinsurance, while Part B insulin drugs require a $35 copay and 0% to 19% coinsurance.
Dialysis Services See details
Dialysis services are covered under the HumanaChoice R0110-013 (Regional PPO) plan with no copay and a 20% coinsurance, although prior authorization is required.
Medical Equipment See details
Medical equipment is covered by HumanaChoice R0110-013 (Regional PPO) with no copay or coinsurance for durable medical equipment (DME). Prosthetic devices have a 20% coinsurance, medical supplies have a 19% coinsurance, and diabetic supplies have a 10% to 20% coinsurance, all with no copays.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by HumanaChoice R0110-013 (Regional PPO) with prior authorization required. Diagnostic procedures and tests have no coinsurance and a copay of $0 to $95, while lab services and diagnostic radiological services have no copay and no coinsurance. Outpatient X-rays require coinsurance with no copay, while therapeutic radiological services require a minimum 20% coinsurance and a copay.
Home Health Services See details
HumanaChoice R0110-013 (Regional PPO) covers Home Health Services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services under HumanaChoice R0110-013 (Regional PPO) require prior authorization and have no coinsurance, but only some services are covered. Standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered in practice and require a $10 copay.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by HumanaChoice R0110-013 (Regional PPO) with no coinsurance and no prior three-day inpatient hospital stay requirement, though prior authorization is required. There is no copay for days 1 through 20 and a $178 copay for days 21 through 100, but additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
HumanaChoice R0110-013 (Regional PPO) partially covers other services, offering acupuncture with a $30 copay and no coinsurance for up to 20 treatments per year, and a chronic illness meal benefit with no copay and no coinsurance. Prior authorization is required for both covered services, while over-the-counter (OTC) items are not covered.
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