Medicare Advantage · Local PPO
Humana
Plan year 2026

HumanaChoice Giveback H5216-309 (PPO) H5216-309

3.5 · 2026 Star Rating · source: CMS · Ratings are updated annually
Monthly premium
$0
+ your Part B premium
Max out-of-pocket
$9,150
in-network annual cap
Primary care
$0
per visit copay
Specialist
$40
per visit
This plan includes a Part B giveback, which lowers what you pay for your Medicare Part B premium by up to $123 a month. Depending on how you pay Part B, the reduction may appear in your Social Security payment or on your Part B bill. That is up to $1,476 a year. Processing can take time; confirm the amount and timing with the plan.

Your costs at a glanceIn-network, for the 2026 plan year

Rx deductible
$0
Inpatient hospital
Days 1-5: $400/day, Days 6-90: $0/day, then $0/day
no limit on covered hospital days
Inpatient mental health
Days 1-4: $400/day, Days 5-90: $0/day
Outpatient surgery
$400
Emergency room
$115
Urgent care
$40

What's included, and what it's actually worth6 benefits included. Tap any card for the detail

Part B giveback

$123/month
DetailsThis plan includes a Part B giveback, which lowers what you pay for your Medicare Part B premium by up to $123 a month.
Processing can take time; confirm the amount and timing with the plan.

Hearing

$699–$999copay per hearing aid
Details$699–$999 copay per hearing aid
This is a supplemental benefit with plan-specific limits. See plan documents for details.

Dental

$500/yr preventive dental allowance
Details$500/yr preventive dental allowance
This is a supplemental benefit with plan-specific limits. See plan documents for details.

Vision

$100/yr eyewear allowance
Eyewear allowance$100/yr eyewear allowance
This is a supplemental benefit with plan-specific limits. See plan documents for details.
See more details about this plan
Doctor Visits: PCP$0 copay
In-network$0 copay per visit
Doctor Visits: Specialist$40 copay
In-network$40 copay per visit
Inpatient Hospital$400/day, days 1–5
In-networkDays 1-5: $400/day, Days 6-90: $0/day, then $0/day
Benefit limitNone — additional covered days are unlimited
Outpatient Surgery$400 copay
In-network$400 copay per procedure
Mental HealthDays 1-4: $400/day, Days 5-90: $0/day
Inpatient psychiatricDays 1-4: $400/day, Days 5-90: $0/day
Fitness$0 fitness benefit
MealsMeal benefit

Your coverageCheck your coverageFrom the doctors and prescriptions you added

Your plan's drug tiers30-day retail · after any applicable deductible

Tier 1
$0
Preferred Generic
Tier 2
$0
Generic
Tier 3
$30
Preferred Brand
Tier 4
35%
Non-Pref Brand
Tier 5
33%
Specialty

Our take

Where this plan shines

This plan has a $0 monthly premium.
See your primary doctor for $0.
No separate drug deductible.

Things to know before you enroll

This plan’s out-of-pocket maximum is above the national median.
Limited coverage while traveling outside the plan’s service area.
Questions? Talk to a licensed agent at1-866-764-3312 (TTY: 711)

Plan documents

Plan questions

Common questions about HumanaChoice Giveback H5216-309 (PPO) (Local PPO)

What does HumanaChoice Giveback H5216-309 (PPO) (Local PPO) cover?

HumanaChoice Giveback H5216-309 (PPO) (Local PPO) is a Medicare Advantage plan that the current plan record identifies as including Part D prescription drug coverage. The plan record also identifies Part D prescription drug coverage. Its published drug benefit lists 5 formulary tiers. Published supplemental benefits include dental ($500/yr preventive dental allowance), vision ($100/yr eyewear allowance), hearing ($699–$999 copay per hearing aid), and fitness ($0 fitness benefit). Review the plan documents for covered services, limits, and rules. Coverage can change each plan year.

Learn about Medicare Advantage

How much does HumanaChoice Giveback H5216-309 (PPO) (Local PPO) cost in 2026?

The published 2026 monthly plan premium for HumanaChoice Giveback H5216-309 (PPO) (Local PPO) is $0. The standard Part B premium is $202.90/month in 2026 for most people; assistance may pay it for some members. The listed Part D deductible is $0. The in-network medical out-of-pocket maximum is $9,150; it does not include Part D drug spending. Published visit costs include primary care $0 and specialist visits $40. These figures are plan data, not a personal yearly-cost estimate.

Understand Medicare drug-cost limits

Can I use my current doctors with HumanaChoice Giveback H5216-309 (PPO) (Local PPO)?

CMS lists HumanaChoice Giveback H5216-309 (PPO) (Local PPO) as a Local PPO plan. A network label alone does not confirm that a specific doctor participates. Use the doctor lookup tool, then confirm with the doctor's office and the plan before receiving care. Provider networks and member costs can change. Emergency care and travel coverage can follow different network rules.

Check your doctors

Does HumanaChoice Giveback H5216-309 (PPO) (Local PPO) cover my prescriptions?

HumanaChoice Giveback H5216-309 (PPO) (Local PPO) has 5 published formulary tiers in the current plan record. Published preferred-pharmacy 30-day retail costs include Tier 1 at $0, Tier 2 at $0, Tier 3 at $30, Tier 4 at 35%, and Tier 5 at 33%. The listed Part D deductible is $0. A tier listing does not confirm that a specific prescription is covered. Check each medication against the plan's current formulary, restrictions, pharmacy network, and costs before enrolling.

Check your prescriptions

What dental, vision, and hearing benefits does HumanaChoice Giveback H5216-309 (PPO) (Local PPO) include?

The current plan record for HumanaChoice Giveback H5216-309 (PPO) (Local PPO) lists dental ($500/yr preventive dental allowance), vision ($100/yr eyewear allowance), and hearing ($699–$999 copay per hearing aid). It also lists a Part B premium reduction of $123 per month. Benefit allowances, frequency, eligibility, and participating providers can have additional limits, so review the Summary of Benefits or Evidence of Coverage for the complete rules.

When can I enroll in HumanaChoice Giveback H5216-309 (PPO) (Local PPO)?

HumanaChoice Giveback H5216-309 (PPO) (Local PPO) is a 2026 Medicare Advantage plan. The Annual Enrollment Period runs from October 15 through December 7, with changes taking effect January 1. The Medicare Advantage Open Enrollment Period runs from January 1 through March 31 for people already enrolled in Medicare Advantage. A qualifying circumstance may create a Special Enrollment Period outside those dates. Confirm the enrollment window and effective date that apply to you before changing coverage.

Review Medicare enrollment periods

More plan options

Browse the full 2026 Medicare Advantage with drug coverage directory. This plan is offered in Indiana, Kentucky, and Ohio. Plan availability can vary by county.

Helpful next steps

HumanaChoice Giveback H5216-309 (PPO) — 2026 Costs & Benefits