2027 Medicare Advantage plan

Humana Together in Health (PPO I-SNP): 2027 benefits and costs

Humana PPO I-SNP Special Needs Plan

CMS plan ID: H5216-446-0 · Plan year: 2027

Humana Together in Health (PPO I-SNP) is a 2027 Medicare Advantage plan offered by Humana. It is listed in Indiana, Kentucky.

2027 plan costs at a glance

Monthly plan premium$0.00

Drug deductible$700.00

In-network medical out-of-pocket maximum$9,850.00

Organization: Humana
Plan organization: HUMANA INSURANCE COMPANY
Parent company: Humana Inc.
Plan type: PPO I-SNP
Part C premium: $0.00
Part D premium: $0.00
Prescription drug coverage: Yes
Special Needs Plan type: Institutional
2027 CMS Star Rating

Standard monthly Medicare Part B premium: $209.50 (estimated)

You must continue to pay your Medicare Part B premium.

Annual medical deductible: Same as Medicare's Part B deductible
Applies to out-of-network Medicare-covered services and certain in-network Medicare-covered services; out-of-network $0 preventive care is exempt.
In-network medical maximum: $9,850.00
Applies to certain in-network supplemental services.
Combined in/out-of-network medical maximum: $14,800.00
Applies to certain in-network supplemental services.
Out-of-network medical maximum: Not applicable

Who can join this Special Needs Plan?

This plan has institutional care eligibility requirements. The plan must confirm your qualifying care needs or living situation before you enroll.

Plan eligibility type: Institutional
Institutional plan type: Hybrid Institutional special needs plan (HI-SNP)

2027 benefit summary

Doctor visits and medical care

Plan-level deductibles may still apply when a service-specific deductible is listed as No.

Common medical services and member costs
Service	In-network	Out-of-network	What to know
Primary care doctor	$0.00 copay Service-specific deductible No	$0.00 copay Deductible applies No
Specialist visit	20% coinsurance Service-specific deductible No	20% coinsurance Deductible applies No	Approval required Yes Referral required No
Telehealth	$0.00 copay; 20% coinsurance Service-specific deductible No	Not summarized. Check coverage with the plan.	Approval required No Referral required No
Emergency care	$115.00 copay	Not summarized. Check coverage with the plan.
Urgent care	20% coinsurance	Not summarized. Check coverage with the plan.
Home health	$0.00 copay Service-specific deductible No	$0.00 copay Deductible applies No	Approval required Yes Referral required No
Dialysis	20% coinsurance Service-specific deductible No	20% coinsurance Deductible applies No	Approval required Yes Referral required No
Part B chemotherapy and radiation drugs	0% to 20% coinsurance Deductible applies No	20% coinsurance Deductible applies No	Approval required Yes
Other Part B drugs	$0.00 copay; 0% to 20% coinsurance Deductible applies No	$0.00 copay; 20% coinsurance Deductible applies No	Approval required Yes
Kidney disease education services	$0.00 copay Service-specific deductible No	$0.00 copay Deductible applies No	Approval required No Referral required No
Medicare-covered chiropractic	$0.00 copay Service-specific deductible No	$0.00 copay Deductible applies No	Approval required Yes Referral required No
Medicare-covered foot care	20% coinsurance Service-specific deductible No	20% coinsurance Deductible applies No	Approval required Yes Referral required No
Other health professionals	$0.00 copay; 20% coinsurance Service-specific deductible No	$0.00 copay; 20% coinsurance Deductible applies No	Approval required Yes Referral required No

Hospital, outpatient surgery and observation care

Inpatient stays and skilled nursing care

In-network stays. Charges can depend on the number of days and the benefit period.
Care	Your share of the cost	What to know
Inpatient hospital stay	$0.00 copay per stay Days 1–4: $612.00 copay per day Days 5–90: $0.00 copay per day	Approval required Yes Referral required No Benefit period Per Admission or Per Stay
Inpatient mental health care	$1,872.00 copay per stay	Approval required Yes Referral required No Benefit period Per Admission or Per Stay
Skilled nursing facility	Days 1–100: $0.00 copay per day	Approval required Yes Referral required No Benefit period Original Medicare

See plan documents for out-of-network hospital and skilled nursing costs.

Hospital, outpatient surgery and observation care and member costs
Service	In-network	Out-of-network	What to know
Outpatient hospital care	20% coinsurance Service-specific deductible No	20% coinsurance Deductible applies No
Hospital observation services	20% coinsurance Service-specific deductible No	20% coinsurance Deductible applies No
Ambulatory surgical center	20% coinsurance Service-specific deductible No	20% coinsurance Deductible applies No	Approval required Yes Referral required No
Outpatient blood	$0.00 copay Service-specific deductible No	$0.00 copay Deductible applies No	Approval required Yes Referral required No

Tests, imaging and laboratory services

Tests, imaging and laboratory services and member costs
Service	In-network	Out-of-network	What to know
Diagnostic procedures and tests	$0.00 copay; 20% coinsurance Service-specific deductible No	$0.00 copay; 20% coinsurance Deductible applies No	Approval required Yes Referral required No
Laboratory services	$0.00 copay Service-specific deductible No	$0.00 copay Deductible applies No	Approval required Yes Referral required No
Diagnostic radiology (CT, MRI)	20% coinsurance Service-specific deductible No	20% coinsurance Deductible applies No	Approval required Yes Referral required No
Therapeutic radiology	20% coinsurance Service-specific deductible No	20% coinsurance Deductible applies No	Approval required Yes Referral required No
X-rays	$0.00 copay; 20% coinsurance Service-specific deductible No	$0.00 copay; 20% coinsurance Deductible applies No	Approval required Yes Referral required No

Mental health and substance use treatment

Mental health and substance use treatment and member costs
Service	In-network	Out-of-network	What to know
Partial hospitalization	20% coinsurance Service-specific deductible No	20% coinsurance Deductible applies No	Approval required Yes Referral required No
Intensive outpatient program	20% coinsurance Service-specific deductible No	20% coinsurance Deductible applies No	Approval required Yes Referral required No
Substance use treatment, individual sessions	20% coinsurance Service-specific deductible No	20% coinsurance Deductible applies No	Approval required Yes Referral required No
Substance use treatment, group sessions	20% coinsurance Service-specific deductible No	20% coinsurance Deductible applies No	Approval required Yes Referral required No
Opioid treatment program	20% coinsurance Service-specific deductible No	20% coinsurance Deductible applies No	Approval required Yes Referral required No
Mental health, individual sessions	20% coinsurance Service-specific deductible No	20% coinsurance Deductible applies No	Approval required Yes Referral required No
Mental health, group sessions	20% coinsurance Service-specific deductible No	20% coinsurance Deductible applies No	Approval required Yes Referral required No
Psychiatry, individual sessions	20% coinsurance Service-specific deductible No	20% coinsurance Deductible applies No	Approval required Yes Referral required No
Psychiatry, group sessions	20% coinsurance Service-specific deductible No	20% coinsurance Deductible applies No	Approval required Yes Referral required No

Therapy and rehabilitation

Therapy and rehabilitation and member costs
Service	In-network	Out-of-network	What to know
Occupational therapy	$0.00 copay Service-specific deductible No	$0.00 copay Deductible applies No	Approval required Yes Referral required No
Physical and speech therapy	$0.00 copay Service-specific deductible No	$0.00 copay Deductible applies No	Approval required Yes Referral required No
Cardiac rehabilitation	20% coinsurance Service-specific deductible No	20% coinsurance Deductible applies No	Approval required Yes Referral required No
Intensive cardiac rehabilitation	20% coinsurance Service-specific deductible No	20% coinsurance Deductible applies No	Approval required Yes Referral required No
Pulmonary rehabilitation	20% coinsurance Service-specific deductible No	20% coinsurance Deductible applies No	Approval required Yes Referral required No
Supervised exercise for peripheral artery disease	20% coinsurance Service-specific deductible No	20% coinsurance Deductible applies No	Approval required Yes Referral required No

Ambulance, medical equipment and supplies

Ambulance, medical equipment and supplies and member costs
Service	In-network	Out-of-network	What to know
Ground ambulance	20% coinsurance Service-specific deductible No	20% coinsurance Deductible applies No	Approval required Yes
Air ambulance	20% coinsurance Service-specific deductible No	20% coinsurance Deductible applies No	Approval required Yes
Durable medical equipment	20% coinsurance Service-specific deductible No	20% coinsurance Deductible applies No	Approval required Yes
Prosthetic devices	20% coinsurance Service-specific deductible No	20% coinsurance Deductible applies No	Approval required Yes
Medical supplies	20% coinsurance Service-specific deductible No	20% coinsurance Deductible applies No	Approval required Yes
Diabetic supplies	$0.00 copay; 20% coinsurance Service-specific deductible No	$0.00 copay; 20% coinsurance Deductible applies No	Approval required Yes
Diabetic shoes and inserts	$0.00 copay Service-specific deductible No	$0.00 copay Deductible applies No	Approval required Yes
Diabetic monitors	$0.00 copay; 20% coinsurance Service-specific deductible No	$0.00 copay; 20% coinsurance Deductible applies No	Approval required Yes

Dental benefits

Dental benefits and member costs
Service	In-network	Out-of-network
Medicare-covered dental	20% coinsurance	20% coinsurance Deductible applies No
Oral examsAdditional plan benefit	$0.00 copay	$0.00 copay Deductible applies No
Dental X-raysAdditional plan benefit	$0.00 copay	$0.00 copay Deductible applies No
Dental cleaningAdditional plan benefit	$0.00 copay	$0.00 copay Deductible applies No
Restorative dental careAdditional plan benefit	$0.00 copay	$0.00 copay Deductible applies No
Root canal treatment (endodontics)Additional plan benefit	$0.00 copay	$0.00 copay Deductible applies No
Gum treatment (periodontics)Additional plan benefit	$0.00 copay	$0.00 copay Deductible applies No
Removable dentures (prosthodontics)Additional plan benefit	$0.00 copay	$0.00 copay Deductible applies No
Fixed dental restorations (prosthodontics)Additional plan benefit	$0.00 copay	$0.00 copay Deductible applies No
Oral surgeryAdditional plan benefit	$0.00 copay	$0.00 copay Deductible applies No
Other dental servicesAdditional plan benefit	$0.00 copay	$0.00 copay Deductible applies No

Additional network details

These costs apply to the listed service categories and networks.

Dental benefits: additional out-of-network or point-of-service benefits
Service	Network	Your share of the cost	What to know
Diagnostic and preventive dental (category)Additional plan benefit	Out-of-network	Confirm with the plan (copay); Confirm with the plan (coinsurance)	Dollar benefit limit applies No
Comprehensive dental (category)Additional plan benefit	Out-of-network	Confirm with the plan (copay); Confirm with the plan (coinsurance)	Dollar benefit limit applies No

Vision benefits

Vision benefits and member costs
Service	In-network	Out-of-network	What to know
Medicare-covered eye exams	$0.00 copay; 20% coinsurance Service-specific deductible No	$0.00 copay; 20% coinsurance Deductible applies No	Approval required Yes Referral required No
Routine eye examsAdditional plan benefit	$0.00 copay	$0.00 copay Deductible applies No	Approval required Yes Referral required No
Medicare-covered eyewear	$0.00 copay Service-specific deductible No	$0.00 copay Deductible applies No	Approval required Yes Referral required No
Contact lensesAdditional plan benefit	$0.00 copay	$0.00 copay Deductible applies No	Approval required Yes Referral required No
Eyeglasses, lenses and framesAdditional plan benefit	$0.00 copay	$0.00 copay Deductible applies No	Approval required Yes Referral required No

Additional network details

These costs apply to the listed service categories and networks.

Vision benefits: additional out-of-network or point-of-service benefits
Service	Network	Your share of the cost	What to know
Eye exams (category)Additional plan benefit	Out-of-network	Confirm with the plan (copay); Confirm with the plan (coinsurance)	Dollar benefit limit applies No
Eyewear (category)Additional plan benefit	Out-of-network	Confirm with the plan (copay); Confirm with the plan (coinsurance)	Dollar benefit limit applies No

Hearing benefits

Hearing benefits and member costs
Service	In-network	Out-of-network	What to know
Medicare-covered hearing exams	20% coinsurance Service-specific deductible No	20% coinsurance Deductible applies No	Approval required Yes Referral required No
Routine hearing examsAdditional plan benefit	$0.00 copay	95% coinsurance Deductible applies No	Approval required Yes Referral required No
Hearing aid fitting and evaluationAdditional plan benefit	$0.00 copay	95% coinsurance Deductible applies No	Approval required Yes Referral required No
Prescription hearing aids (all types)Additional plan benefit	$0.00 to $275.00 copay Service-specific deductible No	95% coinsurance Deductible applies No	Approval required No Referral required No
Over-the-counter hearing aidsAdditional plan benefit	$0.00 copay Service-specific deductible No	95% coinsurance Deductible applies No Dollar benefit limit applies No	Approval required No Referral required No

Additional network details

These costs apply to the listed service categories and networks.

Hearing benefits: additional out-of-network or point-of-service benefits
Service	Network	Your share of the cost	What to know
Hearing exams (category)Additional plan benefit	Out-of-network	Confirm with the plan (copay); Confirm with the plan (coinsurance)	Dollar benefit limit applies No
Prescription hearing aids (category)Additional plan benefit	Out-of-network	Confirm with the plan (copay); Confirm with the plan (coinsurance)	Dollar benefit limit applies No

Extra benefits

Extra benefits and member costs
Service	In-network	Out-of-network	What to know
Supplemental acupunctureAdditional plan benefit	20% coinsurance Service-specific deductible No	20% coinsurance Deductible applies No Dollar benefit limit applies No	Approval required Yes Referral required No
Over-the-counter health itemsAdditional plan benefit	$0.00 copay Service-specific deductible No	95% coinsurance Deductible applies No Dollar benefit limit applies No
Annual physical examAdditional plan benefit	$0.00 copay Service-specific deductible No	$0.00 copay Deductible applies No Dollar benefit limit applies No	Approval required No Referral required No

Additional services and network costs

Additional network details

These costs apply to the listed service categories and networks.

Additional medical services: additional out-of-network or point-of-service benefits
Service	Network	Your share of the cost	What to know
Podiatry Services - Routine Foot CareAdditional plan benefit	Out-of-network	$0.00 copay Deductible applies No	Dollar benefit limit applies No
Medicare-covered preventive servicesMedicare-covered care	Out-of-network	$0.00 copay Deductible applies No
Glaucoma ScreeningMedicare-covered care	Out-of-network	$0.00 copay Deductible applies No
Diabetes Self-Management TrainingMedicare-covered care	Out-of-network	$0.00 copay Deductible applies No
Digital Rectal ExamsMedicare-covered care	Out-of-network	$0.00 copay Deductible applies No
EKG after a Welcome to Medicare visitMedicare-covered care	Out-of-network	$0.00 copay Deductible applies No
Medicare Part B insulinMedicare-covered care	Out-of-network	$0.00 copay; 20% coinsurance Deductible applies No

Allowances and optional benefits

OTC Max Allowance

One shared limit covers the listed services, not a separate allowance for each service.

Services sharing this allowance: Over-the-counter health items; Over-the-counter hearing aids
How benefits are provided: Catalogue Purchase
Advance choice of benefits required: No
Shared benefit limit: $30.00
How often this limit applies: Every one month
Shared limit on visits or trips: No

Benefits for qualifying members

Chronic Condition Care Assistance

The plan must confirm eligibility, including any qualifying condition.

Qualifying conditions: Chronic alcohol use disorder and other substance use disorders (SUDs); Autoimmune disorders; Cancer; Cardiovascular disorders; Chronic heart failure; Dementia; Diabetes mellitus; Chronic kidney disease (CKD); Severe hematologic disorders; HIV/AIDS; Chronic lung disorders; Chronic and disabling mental health conditions; Neurologic disorders; Stroke; Post-organ transplantation
To qualify: Participation in a Care Management Program
Covered package services cost $0 until the package limit is reached: Yes
Applies to out-of-network or point-of-service care: No
Package limit: $500.00
How benefits are provided: Other
How to use the benefit: Purchases must be coordinated by a care manager on the member's behalf.

Full package terms are not summarized here.

Chronic Care Assistance and Music Therapy

The plan must confirm eligibility, including any qualifying condition.

Qualifying conditions: Chronic alcohol use disorder and other substance use disorders (SUDs); Autoimmune disorders; Cancer; Cardiovascular disorders; Chronic heart failure; Dementia; Diabetes mellitus; Chronic kidney disease (CKD); Severe hematologic disorders; HIV/AIDS; Chronic lung disorders; Chronic and disabling mental health conditions; Neurologic disorders; Stroke; Post-organ transplantation
To qualify: Participation in a Care Management Program
Included services: Transportation to plan-approved health locations; Over-the-counter health items; Transportation for non-medical needs; Social support benefit; Support for daily living; Wigs for chemotherapy-related hair loss; Alternative Therapies; Eyeglasses (lenses and frames); Eyeglass lenses; Eyeglass frames; Prescription Hearing Aids (all types); Over-the-counter hearing aids
Applies to out-of-network or point-of-service care: Yes
Some package benefits are exempt from the deductible: Yes
Services exempt from the deductible: Transportation to plan-approved health locations; Over-the-counter health items; Transportation for non-medical needs; Social support benefit; Support for daily living; Wigs for chemotherapy-related hair loss; Alternative Therapies; Eyeglasses (lenses and frames); Eyeglass lenses; Eyeglass frames; Prescription Hearing Aids (all types); Over-the-counter hearing aids
Package limit: $500.00
How often this limit applies: Every year
How benefits are provided: Other
How to use the benefit: Purchases must be coordinated by a care manager on the member's behalf.
Services sharing the package limit: Transportation to plan-approved health locations; Over-the-counter health items; Transportation for non-medical needs; Social support benefit; Support for daily living; Wigs for chemotherapy-related hair loss; Eyeglasses (lenses and frames); Eyeglass lenses; Eyeglass frames; Prescription Hearing Aids (all types); Over-the-counter hearing aids

Full package terms are not summarized here.

Prescription drug coverage

Costs shown are for initial coverage.

Drug deductible exceptions: Tier 1; Tier 2; Tier 3 are exempt from the deductible.

Standard retail costs

Standard retail: initial-coverage cost per prescription fill
Drug tier	30 days	100 days
Tier 1Preferred Generic	$0.00	$0.00
Tier 2Generic	$5.00	$15.00
Tier 3Preferred Brand	21%	21%
Tier 4Non-Preferred Drug	35%	35%
Tier 5Specialty Tier	25%	Not listed

Mail-order and other pharmacies

Out-of-network pricing: You pay the standard retail copay or coinsurance, plus any difference between the pharmacy’s billed charge and the amount the plan allows at a standard retail pharmacy.

Preferred mail order costs

Preferred mail order: initial-coverage cost per prescription fill
Drug tier	30 days	100 days
Tier 1Preferred Generic	$0.00	$0.00
Tier 2Generic	$5.00	$0.00
Tier 3Preferred Brand	21%	21%
Tier 4Non-Preferred Drug	35%	35%
Tier 5Specialty Tier	25%	Not listed

Standard mail order costs

Standard mail order: initial-coverage cost per prescription fill
Drug tier	30 days	100 days
Tier 1Preferred Generic	$10.00	$30.00
Tier 2Generic	$20.00	$60.00
Tier 3Preferred Brand	21%	21%
Tier 4Non-Preferred Drug	35%	35%
Tier 5Specialty Tier	25%	Not listed

Long-term care pharmacy costs

Long-term care pharmacy: initial-coverage cost per prescription fill
Drug tier	31 days
Tier 1Preferred Generic	$0.00
Tier 2Generic	$5.00
Tier 3Preferred Brand	21%
Tier 4Non-Preferred Drug	35%
Tier 5Specialty Tier	25%

Out-of-network pharmacy costs

Out-of-network pharmacy: initial-coverage cost per prescription fill
Drug tier	30 days
Tier 1Preferred Generic	$0.00
Tier 2Generic	$5.00
Tier 3Preferred Brand	21%
Tier 4Non-Preferred Drug	35%
Tier 5Specialty Tier	25%

Drug coverage rules and exceptions

Tier 1: Preferred Generic

Drugs included in this tier: Part D Drugs Only
Longer fills available for every covered drug: Yes
Some longer-fill prescriptions require a one-month first fill: No

Tier 2: Generic

Drugs included in this tier: Part D Drugs Only
Longer fills available for every covered drug: No
Some longer-fill prescriptions require a one-month first fill: No

Tier 3: Preferred Brand

Drugs included in this tier: Part D Drugs Only
Longer fills available for every covered drug: No
Some longer-fill prescriptions require a one-month first fill: No

Tier 4: Non-Preferred Drug

Drugs included in this tier: Part D Drugs Only
Longer fills available for every covered drug: No
Some longer-fill prescriptions require a one-month first fill: No

Tier 5: Specialty Tier

Drugs included in this tier: Part D Drugs Only

Initial-coverage prices also apply to drugs exempt from the deductible: Yes

Special cost protections apply to covered insulin and recommended adult vaccines.

Where this plan is offered

CMS lists this plan in 2 states or territories. Availability can vary by county and ZIP code.

View all locations 212 county listings across 2 states or territories