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HumanaChoice R7220-002 (Regional PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for HumanaChoice R7220-002 (Regional PPO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on HumanaChoice R7220-002 (Regional PPO) in 2025, please refer to our full plan details page.
HumanaChoice R7220-002 (Regional PPO) is a Regional PPO plan offered by Humana Inc. available for enrollment in 2025 to people living in State of Arizona. This plan received an overall rating of 3.5 out of 5 stars in 2025.
It's important to know that HumanaChoice R7220-002 (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 R7220-002 (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 R7220-002 (Regional PPO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $43.00. 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 $590.00 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 $7900.00 (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 $7900.00 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 HumanaChoice R7220-002 (Regional PPO) plan has an Enhanced Alternative drug benefit. The plan has a deductible of $590.00. After the deductible is met, you will pay 25% coinsurance for all drugs, regardless of the pharmacy type, until your total drug costs reach $2000.00. Once you reach that amount, you enter the catastrophic coverage phase where you pay nothing for Part D covered drugs.
Additional Benefits
The HumanaChoice R7220-002 (Regional PPO) plan offers a range of benefits with varying costs. Inpatient hospital stays have copays, starting at $350, while outpatient services have copays and coinsurance depending on the service. Primary care visits are covered with no copay, but specialist visits and therapies have copays. Preventive services, including annual exams, come with no copay, while hearing and vision services have copays for exams and some aids. Dental services include no copay for preventative services, but other services are not covered. The plan also covers ambulance services, with copays for ground and air transport.
Inpatient Hospital See details
Inpatient Hospital benefits are covered, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric. For Inpatient Hospital-Acute, you will pay a $350 copay for days 1-6, and no copay for days 7-90. For Inpatient Hospital Psychiatric, you will pay a $335 copay for days 1-6, and no copay for days 7-90. Additional Days for Inpatient Hospital-Acute are covered with no copay for days 91-999. Non-Medicare-covered stays and upgrades for Inpatient Hospital-Acute and Additional Days for Inpatient Hospital Psychiatric are not covered.
Outpatient Services See details
Outpatient Services include coverage for Outpatient Hospital Services with a $0-$45 copay and 20% coinsurance, Observation Services with a $350 copay, Ambulatory Surgical Center (ASC) Services with a 20% coinsurance and no copay, Outpatient Substance Abuse Services with a $20 copay, and Outpatient Blood Services with no copay.
Partial Hospitalization See details
Partial Hospitalization is covered, but requires prior authorization. You will have a $20 copay for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the HumanaChoice R7220-002 (Regional PPO) plan. Ground ambulance services have a copay of $315, while air ambulance services have a copay of $1250, and there is no coinsurance for either. 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 R7220-002 (Regional PPO) plan. Emergency Services have a $110 copay, Urgently Needed Services have a $25 copay, and Worldwide Emergency Services, including Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation, each have a $110 copay.
Primary Care See details
For the HumanaChoice R7220-002 (Regional PPO) plan, primary care physician services have no copay, chiropractic services have a $15 copay, and occupational therapy services have a $35 copay. Physician specialist services have a $55 copay, while mental health specialty services, psychiatric services, and opioid treatment program services have a $20 copay for individual and group sessions. Physical therapy and speech-language pathology services have a $35 copay, and additional telehealth benefits have a copay between $0 and $55.
Preventive Services See details
Preventive Services include Medicare-covered services with no copay, an annual physical exam with no copay, and other services including fitness benefits with no copay for memory fitness. Also covered are kidney disease education services, glaucoma screening, diabetes self-management training, barium enemas, digital rectal exams, and EKG following Welcome Visit, all with no copay.
Hearing Services See details
Hearing exams, including those not usually covered by Medicare, have a $55 copay. Routine hearing exams are covered with no copay, and you are allowed 1 exam every year. Fitting/Evaluation for Hearing Aid has no copay. Prescription hearing aids are partially covered, but inner ear, outer ear, and over the ear hearing aids are not covered. Prescription hearing aids (all types) have a copay between $699 and $999 for 2 aids every year. OTC hearing aids are covered with a maximum plan benefit of $50 for both ears combined every three months.
Vision Services See details
The HumanaChoice R7220-002 (Regional PPO) plan covers vision services, including eye exams with a copay of $0-$55, and eyewear with a $0 copay. Eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
Dental Services includes coverage for Medicare Dental Services with a $55 copay, along with oral exams, dental x-rays, other diagnostic dental services, prophylaxis (cleaning), and other preventive dental services with no copay. However, fluoride treatment, restorative services, endodontics, periodontics, prosthodontics (removable and fixed), maxillofacial prosthetics, implant services, oral and maxillofacial surgery, and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services, including Medicare Part B Insulin Drugs, Medicare Part B Chemotherapy/Radiation Drugs, and Other Medicare Part B Drugs, are covered by HumanaChoice R7220-002 (Regional PPO). There is a $35 copay for Medicare Part B Insulin Drugs, and coinsurance between 0% and 20% for all drugs.
Dialysis Services See details
Dialysis Services are covered by the HumanaChoice R7220-002 (Regional PPO) plan, but require prior authorization. The coinsurance for Dialysis Services is 20%.
Medical Equipment See details
Medical Equipment, including Durable Medical Equipment, Prosthetics, and Diabetic Equipment, is covered. Durable Medical Equipment has a 20% coinsurance, and Prosthetic Devices and Medical Supplies have a 20% coinsurance. Diabetic Supplies have between a 10% and 20% coinsurance with no copay, and Diabetic Therapeutic Shoes/Inserts have no copay.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered, including diagnostic procedures and tests with a maximum 20% coinsurance and up to a $55 copay, lab services with a maximum 20% coinsurance and no copay, diagnostic radiological services with a copay up to $350, therapeutic radiological services with a maximum 20% coinsurance and a copay up to $45, and outpatient X-ray services with a maximum 20% coinsurance and no copay. All services require prior authorization.
Home Health Services See details
Home Health Services are covered by HumanaChoice R7220-002 (Regional PPO) 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 under the HumanaChoice R7220-002 (Regional PPO) plan, but not in practice. Medicare-covered Intensive Cardiac Rehabilitation Services, Medicare-covered Pulmonary Rehabilitation Services, Medicare-covered Supervised Exercise Therapy (SET) for Symptomatic Peripheral Artery Disease (PAD) Services, and Additional Cardiac Rehabilitation Services are not covered. Prior authorization is required.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the HumanaChoice R7220-002 (Regional PPO) plan, with a $0 copay for days 1-20 and a $214 copay for days 21-100. Additional days beyond Medicare-covered and non-Medicare-covered stays for Skilled Nursing Facility (SNF) are not covered.
Other Services See details
Under "Other Services", HumanaChoice R7220-002 (Regional PPO) covers acupuncture with a $55 copay, over-the-counter (OTC) items, and a meal benefit with no copay. The plan does not cover Dual Eligible SNPs with Highly Integrated Services or the following services: 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.
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