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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 2026, 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 2.5 out of 5 stars in 2026.
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 $37.00. 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.
This plan has a $615.00 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) Medicare plan features an Enhanced Alternative drug benefit with a $615 annual prescription drug deductible. After meeting this deductible, Tier 1 preferred generic drugs require a $5 copay at standard pharmacies and preferred mail-order, while Tier 2 standard generics carry a $47 copay. For higher tiers, you will pay a 37% coinsurance for Tier 3 preferred brand drugs and a 25% coinsurance for Tier 4 non-preferred drugs. This initial coverage phase continues until your total drug costs reach $2,100. Once your yearly out-of-pocket drug expenditures reach $2,100, you enter the catastrophic coverage phase and pay nothing for Medicare Part D covered drugs. Additionally, beneficiaries who qualify for the low-income subsidy will pay a reduced Part D cost of $15.
Additional Benefits
The HumanaChoice R7220-002 (Regional PPO) plan offers robust medical coverage, including primary care doctor visits, preventive services, and home health care with no copay. For inpatient hospital stays, you will pay a daily copay of $350 for the first six days of acute care, after which there is no copay. Specialist visits require a $50 copay, while emergency room visits carry a $115 copay that is waived if you are admitted within 24 hours. This plan also features dental, vision, and hearing benefits, with no copay required for preventive dental care, routine eye exams, and unlimited over-the-counter hearing aids. Durable medical equipment is covered with a 15% coinsurance and no copay, while diagnostic lab and X-ray services require a 20% coinsurance with no copay. Keep in mind that cardiac rehabilitation and routine transportation services are not covered under this plan.
Inpatient Hospital See details
Inpatient Hospital benefits are partially covered by HumanaChoice R7220-002 (Regional PPO) with no coinsurance required. Acute care requires a $350 daily copay for days 1 to 6 and no copay for days 7 and beyond, while psychiatric care requires a $335 daily copay for days 1 to 6 and no copay for days 7 to 90. Upgrades, non-Medicare-covered stays, and additional psychiatric care days are not covered.
Outpatient Services See details
HumanaChoice R7220-002 (Regional PPO) covers outpatient hospital services with a 20% coinsurance and a copay ranging from no copay to $45, and ambulatory surgical center services with a 20% coinsurance and no copay. Observation services require a $350 copay per stay plus coinsurance, while outpatient substance abuse services have a $25 to $35 copay and no coinsurance. Outpatient blood services are covered with no copay, no coinsurance, and no deductible.
Partial Hospitalization See details
HumanaChoice R7220-002 (Regional PPO) covers partial hospitalization benefits with a $35.00 copay and no coinsurance. Prior authorization is required for these services.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered by HumanaChoice R7220-002 (Regional PPO), with ambulance services requiring no coinsurance and a copay of $335 for ground transport and $1,250 for air transport. Transportation services to plan-approved or any other health-related locations are not covered under this plan.
Emergency Services See details
HumanaChoice R7220-002 (Regional PPO) covers emergency services with a $115 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services are covered with a $40 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are each covered with a $115 copay and no coinsurance.
Primary Care See details
HumanaChoice R7220-002 (Regional PPO) covers primary care physician visits with no copay and no coinsurance, and specialist visits with a $50 copay and no coinsurance. Therapy services require a $35 copay with no coinsurance, while chiropractic services are only partially covered because routine chiropractic care is not covered.
Preventive Services See details
HumanaChoice R7220-002 (Regional PPO) partially covers preventive services with no copay or coinsurance for covered benefits like annual physicals, kidney disease education, and memory fitness. However, supplemental sub-services such as health education, weight management, in-home support, alternative therapies, and personal emergency response systems are not covered.
Hearing Services See details
Hearing services are covered by HumanaChoice R7220-002 (Regional PPO), featuring no copay or coinsurance for annual routine exams, fitting evaluations, and unlimited OTC hearing aids. Medicare-covered exams require a $50 copay and no coinsurance, while prescription hearing aids are partially covered with a copay of $699 to $999 for up to two devices per year, excluding inner ear, outer ear, and over-the-ear models.
Vision Services See details
HumanaChoice R7220-002 (Regional PPO) partially covers vision services, offering routine eye exams and select eyewear with no copay and no coinsurance, while excluding individual eyeglass lenses, frames, and upgrades. Covered eye exams have an annual limit of $75 (with non-routine exams requiring a copay of up to $50), and covered eyewear has a combined yearly limit of $150.
Dental Services See details
HumanaChoice R7220-002 (Regional PPO) partially covers dental services, featuring a $50 copay and no coinsurance for Medicare dental services, and no copay or coinsurance for preventive care. Fluoride treatment, maxillofacial prosthetics, implant services, and orthodontics are not covered, though several restorative and surgical services are offered as optional supplemental benefits.
Home Infusion bundled Services See details
HumanaChoice R7220-002 (Regional PPO) covers home infusion bundled services with prior authorization, featuring no coinsurance to 20% coinsurance and no copays for Medicare Part B chemotherapy, radiation, and other drugs. Medicare Part B insulin drugs are also covered with a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered by HumanaChoice R7220-002 (Regional PPO) with a 20% coinsurance and no copay. Prior authorization is required to access these services.
Medical Equipment See details
Medical equipment is covered by HumanaChoice R7220-002 (Regional PPO), featuring durable medical equipment (DME) with a 15% coinsurance and no copay. Diabetic supplies require a 10% to 20% coinsurance and no copay, therapeutic shoes require a $10 copay, and prosthetics and medical supplies carry a 15% to 20% coinsurance with no copay.
Diagnostic and Radiological Services See details
HumanaChoice R7220-002 (Regional PPO) covers diagnostic and radiological services, with lab and outpatient X-ray services requiring no copay and 20% coinsurance. Other covered services, including diagnostic procedures and radiological tests, require copays ranging from no copay up to $300 and coinsurance up to 20%.
Home Health Services See details
HumanaChoice R7220-002 (Regional PPO) provides coverage for Home Health Services with no copay and no coinsurance. Prior authorization is required to receive these benefits.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under HumanaChoice R7220-002 (Regional PPO), as none of the specific sub-services—including cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation—are covered by the plan.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) benefits are partially covered by HumanaChoice R7220-002 (Regional PPO) with no coinsurance, featuring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, and additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Other Services are partially covered under HumanaChoice R7220-002 (Regional PPO), with Dual Eligible SNPs with Highly Integrated Services being excluded. Covered benefits include acupuncture with a $50 copay and no coinsurance, as well as over-the-counter items and meal benefits with no copay and no coinsurance.
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