HumanaChoice R0110-018 (Regional PPO)

HumanaChoice R0110-018 (Regional PPO) is a Regional PPO plan offered by Humana Inc. available for enrollment in 2025 to people living in States of Alabama and Tennessee. This plan received an overall rating of 3.5 out of 5 stars in 2026.

It's important to know that HumanaChoice R0110-018 (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 HumanaChoice R0110-018 (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.

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:

Drug Coverage

The HumanaChoice R0110-018 (Regional PPO) is an Enhanced Alternative plan with a $590.00 prescription drug deductible and a standard Part D premium of $86.00, which drops to $58.30 for individuals qualifying for Extra Help. After meeting the deductible, you will pay a $5.00 copay for Tier 1 preferred generics at standard pharmacies or through preferred mail. Tier 2 standard generics carry a $47.00 copay, while higher tiers like Tier 3 preferred brands and Tier 4 non-preferred drugs require 35% and 26% coinsurance respectively. Once your yearly out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase. In this phase, you pay nothing for Medicare Part D covered drugs, though some costs may still apply for excluded drugs covered under enhanced benefits.

Additional Benefits

The HumanaChoice R0110-018 (Regional PPO) plan offers robust coverage for essential medical services, featuring no copay and no coinsurance for primary care doctor visits and key preventive services. For specialized care, inpatient hospital stays require a $325 daily copay for the first few days with no copay for subsequent days, while emergency room visits carry a $130 copay. Outpatient services and diagnostic lab tests are also highly accessible, often requiring no copay or low copays with no coinsurance. This plan also includes valuable supplemental benefits, such as routine dental, vision, and hearing exams with no copay, though more advanced dental care requires up to 40% coinsurance. Skilled nursing facility stays feature no copay for the first 20 days, whereas durable medical equipment and dialysis services generally require a 20% coinsurance with no copay. Additionally, home health services and chronic illness meals are provided with no copay and no coinsurance, helping to keep out-of-pocket costs predictable.