Humana Together in Health (HMO-POS I-SNP) By Humana

Humana Together in Health (HMO-POS I-SNP) H1468 019 0 is a 2023 Medicare Advantage Special Needs Plan plan by Humana. This plan from Humana works with Medicare to give you significant coverage beyond original Medicare. If you decide to sign up you still retain Original Medicare. But you will get additional Part A (Hospital Insurance) and Part B (Medical Insurance) coverage from Humana and not Original Medicare. All Medicare SNPs also provide Medicare additional Part-D drug coverage. Humana Together in Health (HMO-POS I-SNP) H1468-019 is an Institutional SNP (I-SNP). An Institutional SNP is for beneficiaries who live in an institution such as a nursing home or require nursing care at home. If you live in an institution like a nursing home or hospital you can join any Medicare SNP you qualify for or switch plans at any time.

2023 Medicare Special Needs Plan Details

The Humana Together in Health (HMO-POS I-SNP) H1468-019 is available to residents to Medicare eligible seniors in Illinois. All Medicare SNPs must provide Medicare additional prescription drug (Part-D) coverage. Humana Together in Health (HMO-POS I-SNP) is a Local HMO. With a health maintenance organization (HMO) you will be required to receive most of your health care from an in-network provider. Health maintenance organizations require that you select a primary care physician (PCP). Your PCP will serve as your personal doctor to provide all of your basic healthcare services. If you need special care for a physician specialist, your primary care physician will make the arrangements and tell you where you can go in the network. You will need your PCPs okay, called a referral. Without getting a referral or services received from out-of-network providers are not typically covered by the plan.

How much does Humana Together in Health (HMO-POS I-SNP) cost?

Part-C Premium

A monthly premium is the fee you pay to the plan in exchange for coverage. Humana charges a $0 Part-C premium. The Part C premium covers Medicare medical, hospital benefits and supplemental benefits if offered. You generally are also responsible for paying the Part B premium.

Part-D Deductible and Premium

An annual deductible is the amount you pay out-of-pocket for your prescription drugs before your plan begins to pay. Humana Together in Health (HMO-POS I-SNP) has a monthly drug premium of $0 and a $200.00 drug deductible. This Humana plan offers a $0 Part-D Basic Premium that is not below the regional benchmark. This covers the basic prescription benefit only and does not cover enhanced drug benefits such as medical benefits or hospital benefits. The Part D Supplemental Premium is $0. This Premium covers any enhanced plan benefits offered by Humana above and beyond the standard PDP benefits. This can include additional coverage in the gap, lower co-payments, and coverage of non-Part D drugs. The Part D Total Premium is $0. The Part D Total Premium is the addition of supplemental and basic premiums for some plans this amount can be lowered due to negative basic or supplemental premiums.

Humana Gap Coverage

In 2023 once you and your plan provider have spent $4660 on covered drugs. (Combined amount plus your deductible) You will be in the coverage gap. (AKA "donut hole") You will be required to pay 25% for prescription drugs unless your plan offers additional coverage. This Humana plan does not offer additional coverage through the gap.

H1468-019 Formulary and Drug Coverage

Humana Together in Health (HMO-POS I-SNP) formulary is divided into tiers or levels of coverage based on usage and according to the medication costs. Each tier will have a defined copay that you must pay to receive the drug. Drugs in lower tiers will usually cost less than those in higher tiers. By reviewing different Medicare Drug formularies, you can pick a Medicare Special Needs Plan that covers your medications. Additionally, you can choose a plan that has your drugs listed at a lower price.

Drug Tier	Copay Preferred Pharmacy	Copay Nonpreferred Pharmacy
Tier 1	NA	$2
Tier 2	NA	$12
Tier 3	NA	$47
Tier 4	NA	$100
Tier 5	NA	29%

The complete Humana Together in Health (HMO-POS I-SNP) H1468-019 Formulary
*Initial Coverage Phase and 30 day supply

2023 Summary of Benefits

The benefit information provided is a summary of what Humana Together in Health (HMO-POS I-SNP) covers and what you pay (such as copayments and coinsurance amounts) for certain common medical events. The Summary of Benefits from Humana helps get an idea of how much financial protection the plan is generally expected to provide for common health conditions. This section also contains information on coverage for in-network and out-of-network providers.

Wellness programs (e.g., fitness, nursing hotline)	Not covered

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Contact lenses

Out-of-Network Vision	$0 copay
In-Network Vision	$0 copay

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Eyeglass frames

Vision	Not covered

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Eyeglass lenses

Vision	Not covered

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Eyeglasses (frames and lenses)

In-Network Vision	$0 copay
Out-of-Network Vision	$0 copay

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Other

Vision	Not covered

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Routine eye exam

Out-of-Network Vision	$0 copay
In-Network Vision	$0 copay

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Upgrades

Vision	Not covered

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In-Network Transportation	$0 copay
In-Network Skilled Nursing Facility	$0 copay
Out-of-Network Skilled Nursing Facility	$0 copay per stay

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Occupational therapy visit

In-Network Rehabilitation services	$0 copay
Out-of-Network Rehabilitation services	$0 copay

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Physical therapy and speech and language therapy visit

Out-of-Network Rehabilitation services	$0 copay
In-Network Rehabilitation services	$0 copay

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Cleaning

In-Network Preventive dental	$0 copay
Out-of-Network Preventive dental	$0 copay

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Dental x-ray(s)

Out-of-Network Preventive dental	$0 copay
In-Network Preventive dental	$0 copay

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Fluoride treatment

In-Network Preventive dental	$0 copay
Out-of-Network Preventive dental	$0 copay

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Oral exam

In-Network Preventive dental	$0 copay
Out-of-Network Preventive dental	$0 copay

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Out-of-Network Preventive care	$0 copay
In-Network Preventive care	$0 copay
In-Network Outpatient hospital coverage	20% coinsurance per visit
Out-of-Network Outpatient hospital coverage	20% coinsurance per visit
In-Network Other health plan deductibles?	No
Optional supplemental benefits	No

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Inpatient hospital - psychiatric

Out-of-Network Mental health services	$1,200 per stay
In-Network Mental health services	$1,200 per stay

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Outpatient group therapy visit

In-Network Mental health services	20% coinsurance
Out-of-Network Mental health services	20% coinsurance

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Outpatient group therapy visit with a psychiatrist

Out-of-Network Mental health services	20% coinsurance
In-Network Mental health services	20% coinsurance

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Outpatient individual therapy visit

In-Network Mental health services	20% coinsurance
Out-of-Network Mental health services	20% coinsurance

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Outpatient individual therapy visit with a psychiatrist

In-Network Mental health services	20% coinsurance
Out-of-Network Mental health services	20% coinsurance

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Chemotherapy

In-Network Medicare Part B drugs	20% coinsurance
Out-of-Network Medicare Part B drugs	20% coinsurance

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Other Part B drugs

Out-of-Network Medicare Part B drugs	20% coinsurance
In-Network Medicare Part B drugs	20% coinsurance

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Diabetes supplies

Out-of-Network Medical equipment/supplies	$0 copay or 10-20% coinsurance per item
In-Network Medical equipment/supplies	$0 copay or 10-20% coinsurance per item

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Durable medical equipment (e.g., wheelchairs, oxygen)

Out-of-Network Medical equipment/supplies	20% coinsurance per item
In-Network Medical equipment/supplies	20% coinsurance per item

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Prosthetics (e.g., braces, artificial limbs)

In-Network Medical equipment/supplies	20% coinsurance per item
Out-of-Network Medical equipment/supplies	20% coinsurance per item

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Maximum out-of-pocket enrollee responsibility (does not include prescription drugs)	$5,000 In and Out-of-network $1,600 In-network
Out-of-Network Inpatient hospital coverage	$1,200 per stay
In-Network Inpatient hospital coverage	$1,200 per stay

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Fitting/evaluation

Out-of-Network Hearing	$0 copay
In-Network Hearing	$0 copay

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Hearing aids

Out-of-Network Hearing	$0-599 copay
In-Network Hearing	$0-599 copay

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Hearing exam

In-Network Hearing	20% coinsurance
Out-of-Network Hearing	20% coinsurance

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Health plan deductible	$0
In-Network Ground ambulance	20% coinsurance
Out-of-Network Ground ambulance	20% coinsurance

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Foot exams and treatment

In-Network Foot care (podiatry services)	20% coinsurance
Out-of-Network Foot care (podiatry services)	20% coinsurance

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Routine foot care

Out-of-Network Foot care (podiatry services)	20% coinsurance
In-Network Foot care (podiatry services)	20% coinsurance

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Emergency

Emergency care/Urgent care	$125 copay per visit (always covered)

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Urgent care

Emergency care/Urgent care	20% coinsurance per visit (always covered)

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Primary

In-Network Doctor visits	$0 copay
Out-of-Network Doctor visits	$0 copay

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Specialist

In-Network Doctor visits	20% coinsurance per visit
Out-of-Network Doctor visits	20% coinsurance per visit

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Diagnostic radiology services (e.g., MRI)

In-Network Diagnostic procedures/lab services/imaging	20% coinsurance
Out-of-Network Diagnostic procedures/lab services/imaging	20% coinsurance

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Diagnostic tests and procedures

Out-of-Network Diagnostic procedures/lab services/imaging	$0 copay or 20% coinsurance
In-Network Diagnostic procedures/lab services/imaging	$0 copay or 20% coinsurance

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Lab services

In-Network Diagnostic procedures/lab services/imaging	$0 copay or 20% coinsurance
Out-of-Network Diagnostic procedures/lab services/imaging	$0 copay or 20% coinsurance

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Outpatient x-rays

In-Network Diagnostic procedures/lab services/imaging	$0 copay or 20% coinsurance
Out-of-Network Diagnostic procedures/lab services/imaging	$0 copay or 20% coinsurance

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Diagnostic services

Out-of-Network Comprehensive dental	$0 copay
In-Network Comprehensive dental	$0 copay

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Endodontics

In-Network Comprehensive dental	$0 copay
Out-of-Network Comprehensive dental	$0 copay

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Extractions

In-Network Comprehensive dental	$0 copay
Out-of-Network Comprehensive dental	$0 copay

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Non-routine services

In-Network Comprehensive dental	$0 copay
Out-of-Network Comprehensive dental	$0 copay

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Periodontics

In-Network Comprehensive dental	$0 copay
Out-of-Network Comprehensive dental	$0 copay

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Prosthodontics, other oral/maxillofacial surgery, other services

In-Network Comprehensive dental	$0 copay
Out-of-Network Comprehensive dental	$0 copay

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Restorative services

Out-of-Network Comprehensive dental	$0 copay
In-Network Comprehensive dental	$0 copay

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In-Network Additional benefits and/or reduced cost-sharing for enrollees with certain health conditions?	No

CMS Star Ratings

Is Humana Together in Health (HMO-POS I-SNP) a good plan? Humana Together in Health (HMO-POS I-SNP) received 4.5 overall star rating from the CMS. The CMS uses a Star Rating System to measure how well Medicare Special Needs Plans perform. Plans are rated on a one-to-five scale, with one star representing poor performance and five stars representing excellent performance. Medicare Advantage with prescription drug (Part D) coverage (MA-PD) contracts are rated on up to 38 unique quality and performance measures. You can use the CMS star rating to compare Humana Together in Health (HMO-POS I-SNP) performance among several different plans.

Staying Healthy, Screening, Testing, & Vaccines

Managing Chronic And Long Term Care for Older Adults

Member Experience with H1468-019 Health Plan

Member Complaints and Changes in Plans Performance

Health Plan Customer Service Rating for Humana

Drug Plan Customer Service Ratings

Ratings For Member Complaints and Changes in the Drug Plans Performance

Member Experience with the Drug Plan

Drug Safety and Accuracy of Drug Pricing

Coverage Area

(Click county or state to compare all available Advantage plans)

The availability of Medicare Special Need Plans will vary according to your region. This is why the Coverage Area matters in terms of Medicare eligibility. You will always be eligible for Original Medicare, but eligibility for Humana Together in Health (HMO-POS I-SNP) requires you to live in that plan’s service area. The service area is listed below:

Source: CMS.

Plans as of Oct 1, 2022.

Last updated on December 03, 2022

Notes: Data are subject to change. All contracts for 2023 have not been finalized. For 2023, enhanced alternative plans may offer additional cost sharing reductions in the gap on a sub-set of the formulary drugs, beyond the standard Part Part D benefit.

Includes 2023 approved contracts/plans. Employer sponsored 800 series plans and plans under sanction are excluded.