Medicare Advantage Plan Without Prescription Drugs
Network Type
PPO
HumanaChoice R5826-018 (Regional PPO) is a Medicare Advantage Plan Without Prescription Drugs, which is available in Florida and offered by the health insurance company Humana. This plan’s network type is PPO which determines in-network doctors who accept the health plan and whether a referral is needed.
Cost Summary
Monthly Premium
$43
Annual Deductible
$1,300 annual deductible
Max Out-of-Pocket
$7,550
Primary doctor visit
$5 copay per visit
Specialist visit
$30 copay per visit
ER visit
$110 copay per visit (always covered)
Ambulance
$120-240 copay
HumanaChoice R5826-018 (Regional PPO) has a monthly premium cost of $43 per month, with an annual deductible of $1,300 annual deductible and a maximum out of pocket cost sharing of $10,000 In and Out-of-network
$7,550 In-network. The most common benefit costs which people evaluate when choosing a plan are costs for a primary doctor visit, specialist doctor visit, emergency room visit, and ambulance. These costs are listed in this summary section and a full list of benefit costs for HumanaChoice R5826-018 (Regional PPO) are defined below.
Additional Benefits and Coverage
No
Part D Prescription Drug Coverage
Yes
Dental
Yes
Vision
Yes
Hearing
HumanaChoice R5826-018 (Regional PPO) is a Medicare Advantage plan which does not include Medicare Part D Prescription Drug coverage. Other common benefits included with Medicare Advantage plans are coverage for dental, vision, and hearing. HumanaChoice R5826-018 (Regional PPO) includes coverage for hearing, vision, dental.
Medicare Advantage health plans can offer even more additional benefits. HumanaChoice R5826-018 (Regional PPO) includes coverage for the following additional benefits:
Other benefits
Fitness benefit
Limited coverage
Over the counter drug benefits
Not covered
In-home support services
Not covered
Home and bathroom safety devices
Not covered
Meals for short duration
Not covered
Annual physical exams
Limited coverage
Telehealth
Limited coverage
Comparing the Quality Score of HumanaChoice (Regional PPO) to Other Plans in Florida
Each year the federal government evaluates the quality of Medicare Advantage and Part D Prescription Drug plans based on a 5-star scoring system. For 2025, HumanaChoice (Regional PPO) received an overall government quality rating of 3.0 stars out of 5 stars.
HumanaChoice (Regional PPO) performed worse than Florida’s State average overall quality score of 4.0 stars.
This Plan’s 5-star Gov’t Quality Score
Florida State Average Score
Overall Government 5 Star Quality Rating
3.0
4.0
Summary rating of health plan quality
3
4.0
Staying healthy: screenings, tests, & vaccines
3
4.0
Managing chronic (long term) conditions
3
3.9
Member experience with health plan
3
3.9
Member complaints & changes in the health plan's performance
4
3.8
Health plan customer service
4
4.2
The government calculates an “Overall star rating” based on ratings for sub components including “Health plan star rating” and “Drug plan star rating”, which includes further subcomponents of each.
HumanaChoice (Regional PPO) received 3 stars for its health plan quality score which is worse than the Florida State average health plan quality score of 4.0 stars.
In-network: $5 copay per visit
Out-of-network: $45 copay per visit
Specialist visit
In-network: $30 copay per visit
Out-of-network: $45 copay per visit
Tests, labs, & imaging
Diagnostic tests & procedures
In-network: $0-100 copay
Out-of-network: $45 copay or 30-50% coinsurance
Lab services
In-network: $0-50 copay
Out-of-network: $45 copay or 30% coinsurance
Diagnostic radiology services (like MRI)
In-network: $0-125 copay
Out-of-network: $45-75 copay or 30% coinsurance
Outpatient x-rays
In-network: $5-100 copay
Out-of-network: $45 copay or 30% coinsurance
Emergency care
$110 copay per visit (always covered)
Urgent care
$25 copay per visit (always covered)
Hospital Services
Inpatient hospital coverage
In-network: $275 per day for days 1 through 7
$0 per day for days 8 through 90
$0 per day for days 91 and beyond
Out-of-network: $315 per day for days 1 through 7
$0 per day for days 8 through 90
Outpatient hospital coverage
In-network: $0-100 copay per visit
Out-of-network: $45 copay or 30% coinsurance per visit
Skilled nursing facility
Skilled nursing facility
In-network: $0 per day for days 1 through 20
$150 per day for days 21 through 100
Out-of-network: $250 per day for days 1 through 58
$0 per day for days 59 through 100
Preventive services
Preventive services
In-network: $0 copay
Out-of-network: $0 copay or 50% coinsurance
In this article we rank Florida Medicare Advantage plans based on our evaluation of government 5-star quality scores. Each year the government rates the quality of Medicare Advantage health insurance plans with a 5-star quality score. An overall quality score is assigned to each plan which is based on the scores of various quality metrics.
The Medicare landscape in Florida is constantly changing. In this article we show a summary of new and returning health insurance companies offering Medicare Advantage Plans (Part C) and Medicare Prescription Drug Plans (Part D) in Florida.
Health Plan Radar