HumanaChoice SNP-DE H5525-045 (PPO D-SNP) (2027)

Dual Special Needs Plan (Medicare Advantage) from Humana, plan ID H5525-045-000. Sold in 103 counties in Kentucky.

★★★★★4.0

Who can join

Only for people who have both Medicare and Medicaid.

2027 costs

Monthly premium$17

Drug deductible$700

Medical deductible$0

Out-of-pocket maximum (in network)$9,850

Plan typeDual Special Needs Plan (Medicare Advantage), PPO

Referral needed to see a specialistNo

Plan IDH5525-045-000

With a Medicare Advantage plan you also keep paying your Medicare Part B premium, unless Medicaid pays it for you.

What this plan would cost for your prescriptions

Add your prescriptions to see this plan's estimated yearly cost for them, which of them are on its drug list, and how each compares with Cost Plus Drugs prices.

See this plan with my prescriptions

What you pay for medical care

Primary care visit20%

Specialist visit20%

Preventive care$0

Urgent care20%

Emergency room$115

Hospital stay$0

Outpatient surgery20%

Lab tests$0

X-rays and scans$205

Mental health visit20%

Physical therapy20%

Medical equipment20%

TelehealthCovered

In-network amounts. A range means it depends on the service or provider.

Extra benefits

DentalCovered — up to $2000 allowance

VisionCovered — up to $550/yr allowance

HearingCovered — $0 copay per aid

Over-the-counter itemsNot covered

FitnessCovered

Rides to appointmentsNot covered

Drug costs by tier

Tier	30 days, standard pharmacy	30 days, preferred pharmacy	90 days by mail
1 Preferred Generic	$0	$0	$0
2 Generic	$0	$0	$0
3 Preferred Brand	25%	25%	25%
4 Non-Preferred Drug	25%	25%	25%
5 Specialty Tier	25%	25%	N/A

A percentage is coinsurance: your share of the drug's price. The drug deductible may apply first, depending on the tier. Your Part D out-of-pocket costs are capped at $2,400 for 2027.

Where it's sold

Kentucky (103 counties)

Plan costs and benefits are from CMS's 2027 Medicare plan data (data as of October 27, 2026). Star ratings are CMS's 2027 Star Ratings. Every year, Medicare evaluates plans based on a 5-star rating system. Benefits, premiums and copays can change from year to year; check the plan's Evidence of Coverage, call the plan, or use Medicare.gov before you enroll.