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HumanaChoice R4182-001 (Regional PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for HumanaChoice R4182-001 (Regional PPO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on HumanaChoice R4182-001 (Regional PPO) in 2026, please refer to our full plan details page.
HumanaChoice R4182-001 (Regional PPO) is a Regional PPO plan offered by Humana Inc. available for enrollment in 2025 to people living in State of Texas. This plan received an overall rating of 3.5 out of 5 stars in 2026.
It's important to know that HumanaChoice R4182-001 (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 R4182-001 (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 R4182-001 (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. Additionally, this plan comes with a Part B Premium reduction of $3.00. You must continue to pay paying your reduced 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 $8950.00 (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 $8950.00 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 R4182-001 (Regional PPO).
Additional Benefits
The HumanaChoice R4182-001 (Regional PPO) plan offers comprehensive coverage for essential health services, featuring primary care doctor visits and preventive care with no copay or coinsurance. Specialist visits require a $35 copay, while inpatient hospital stays have a $370 daily copay for the first five days and no copay for days six through ninety. Emergency room care is covered with a $130 copay, which is waived if admitted, and urgent care visits require a $50 copay. Beyond medical care, this plan provides valuable supplemental benefits like routine dental and vision care with no copay or coinsurance, including up to $250 annually for eyewear and a $2,500 dental limit. Routine hearing exams and over-the-counter hearing aids are also available with no copay, while prescription hearing aids require a copay. Additionally, members receive home health services, over-the-counter items, and chronic illness meals with no copay.
Inpatient Hospital See details
HumanaChoice R4182-001 (Regional PPO) covers inpatient hospital services with no coinsurance, requiring a $370 daily copay for days 1 to 5 and no copay for days 6 through 90. Acute care includes unlimited additional days at no copay, but psychiatric additional days, room upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
HumanaChoice R4182-001 (Regional PPO) covers outpatient services with no coinsurance, including ambulatory surgical center and outpatient blood services at no copay. Outpatient hospital services require a copay ranging from no copay to $375 (with a $370 copay for observation services), and outpatient substance abuse sessions carry a $30 to $35 copay.
Partial Hospitalization See details
HumanaChoice R4182-001 (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 R4182-001 (Regional PPO) include covered ground ambulance services for a $335 copay and no coinsurance, and air ambulance services for a 20% coinsurance and no copay, both of which require prior authorization. Plan-approved and routine transportation services to health-related locations are not covered.
Emergency Services See details
HumanaChoice R4182-001 (Regional PPO) covers emergency services with a $130 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services are covered with a $50 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are available for a $130 copay and no coinsurance.
Primary Care See details
HumanaChoice R4182-001 (Regional PPO) covers primary care physician services with no copay and no coinsurance, and specialist visits for a $35 copay and no coinsurance. Physical, occupational, and speech therapy require a $25 copay and no coinsurance, while podiatry is not covered, and chiropractic services cover some services but routine and other chiropractic services are not covered.
Preventive Services See details
Preventive Services are partially covered by HumanaChoice R4182-001 (Regional PPO) with no copay and no coinsurance for covered benefits like annual physical exams, kidney disease education, and diabetes self-management. However, several additional services are not covered, including health education, in-home safety assessments, PERS, medical nutrition therapy, post-discharge medication reconciliation, readmission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, remote access, safety modifications, and counseling.
Hearing Services See details
HumanaChoice R4182-001 (Regional PPO) covers Medicare-covered hearing exams for a $35 copay and no coinsurance, while routine exams, fitting evaluations, and OTC hearing aids are available with no copay and no coinsurance. Prescription hearing aids are partially covered with a copay of $699 to $999 and no coinsurance, but inner ear, outer ear, and over the ear prescription hearing aids are not covered.
Vision Services See details
HumanaChoice R4182-001 (Regional PPO) partially covers vision services with no deductible, no coinsurance, and no copay for yearly routine eye exams and eyewear, such as eyeglasses or contact lenses. Under this plan, routine exams are covered up to $75 and eyewear is covered up to $250 annually, but other eye exams, separate eyeglass lenses, separate eyeglass frames, and upgrades are not covered.
Dental Services See details
HumanaChoice R4182-001 (Regional PPO) partially covers dental services up to a $2,500 annual limit, offering most preventive and comprehensive services with no copay and no coinsurance, while Medicare-covered dental requires a $35 copay and no coinsurance. Fluoride treatments, maxillofacial prosthetics, implant services, fixed prosthodontics, and orthodontics are not covered.
Home Infusion bundled Services See details
HumanaChoice R4182-001 (Regional PPO) covers home infusion bundled services with no copay, subject to prior authorization. Associated Medicare Part B chemotherapy and other drugs require 0% to 20% coinsurance, while Part B insulin is covered with a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
HumanaChoice R4182-001 (Regional PPO) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required to receive this covered benefit.
Medical Equipment See details
HumanaChoice R4182-001 (Regional PPO) covers durable medical equipment and prosthetics with a 14% coinsurance and no copay under prior authorization. Diabetic supplies are covered with a 10% to 20% coinsurance and no copay from specified manufacturers, while diabetic therapeutic shoes and inserts require a $10 copay and no coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under HumanaChoice R4182-001 (Regional PPO) with prior authorization, featuring no copays for diagnostic radiological services, lab services, and outpatient X-rays, though coinsurance applies to labs and X-rays. Outpatient diagnostic procedures and tests have a copay up to $50 and a minimum 50% coinsurance, while therapeutic radiological services require a minimum $35 copay and a minimum 20% coinsurance.
Home Health Services See details
Home Health Services are covered under the HumanaChoice R4182-001 (Regional PPO) plan with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
HumanaChoice R4182-001 (Regional PPO) does not cover Cardiac Rehabilitation Services in practice, as all associated sub-services, including intensive cardiac, pulmonary, and supervised exercise therapy (SET), are listed as not covered. While the plan technically features no coinsurance for this benefit category, patients will not have coverage for any of the individual rehabilitation services.
Skilled Nursing Facility (SNF) See details
HumanaChoice R4182-001 (Regional PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring a $10 daily copay for days 1 to 20 and a $218 daily copay for days 21 to 100. Prior authorization is required, and additional days beyond the standard Medicare-covered 100 days are not covered.
Other Services See details
HumanaChoice R4182-001 (Regional PPO) covers acupuncture with a $35 copay and no coinsurance for up to 20 treatments yearly, as well as over-the-counter items and chronic illness meals with no copay and no coinsurance. Prior authorization is required for acupuncture and meal benefits, and some other services in this category are not covered.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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