Humana Together in Health (PPO I-SNP)

by Humana

2026 Institutional Special Needs I-SNP plan available in Iowa

Plan ID H5216-413-0

Additional coverage:

RxHearingVisionDental

Institutional Special Needs I-SNP PPO 3.5 Overall

Monthly plan premium $42 / mo

Annual deductible $283 / yr

Max out-of-pocket · in-network $9,250 / yr

Drug deductible $615 / yr

3.5 Overall Government Star Rating 2026 · out of 5 stars

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Plan Overview

Humana Together in Health (PPO I-SNP) is a Institutional Special Needs Plan (I-SNP), which is available in Iowa and offered by the health insurance company Humana. This plan's network type is PPO, which determines the in-network doctors who accept the plan and whether a referral is needed.

Plan Name Humana Together in Health (PPO I-SNP)

Insurance Carrier Humana

Plan Type Institutional Special Needs Plan (I-SNP)

Network Type PPO

Cost Summary

Humana Together in Health (PPO I-SNP) has a monthly premium cost of $42 per month, with an annual deductible of $283 per year for some in-network and out-of-network services. and a maximum out-of-pocket cost sharing of $9,250. The most common costs people evaluate when choosing a plan are listed here; a full list of benefit costs is defined below.

Monthly Premium $42 / mo

Health portion of premium $0

Drug portion of premium $42

Annual Deductible $283 per year for some in-network and out-of-network services. / yr

Max Out-of-Pocket · in-network $9,250 / yr

Primary doctor visit $0 copay

Specialist visit 20% coinsurance

ER visit $115 copay

Ambulance 20% coinsurance

Additional Benefits and Coverage

Humana Together in Health (PPO I-SNP) is a Medicare Advantage plan which includes Medicare Part D prescription drug coverage. Other common benefits included with Medicare Advantage plans are coverage for dental, vision, and hearing. Humana Together in Health (PPO I-SNP) includes coverage for hearing, vision, dental.

Part D Prescription Drug Coverage Yes

Dental Yes

Vision Yes

Hearing Yes

Nationwide Coverage No

Other benefits

Fitness benefit Not covered

Over-the-counter drug benefits Limited coverage

In-home support services Not covered

Home & bathroom safety devices Not covered

Meals for short duration Not covered

Annual physical exams Limited coverage

Telehealth Limited coverage

Medical Benefits

Doctor Services

Primary doctor visit In-network: $0 copay
Out-of-network: $0 copay

Specialist visit In-network: 20% coinsurance
Out-of-network: 20% coinsurance

Tests, labs & imaging

Diagnostic tests & procedures In-network: $0 copay
Out-of-network: $0 copay

Lab services In-network: $0 copay
Out-of-network: $0 copay

Diagnostic radiology services (like MRI) In-network: 20% coinsurance
Out-of-network: 20% coinsurance

Outpatient x-rays In-network: $0 copay
Out-of-network: $0 copay

Emergency care $115 copay

Urgent care 20% coinsurance

Hospital Services

Inpatient hospital coverage In-network:
  Tier 1
  $611 per day for days 1-4
  $0 per day for days 5-90
  $0 per stay
Out-of-network:
  $611 per day for days 1-4
  $0 per day for days 5-90
  $0 per stay

Outpatient hospital coverage In-network: 20% coinsurance
Out-of-network: 20% coinsurance

Skilled nursing facility

Skilled nursing facility In-network:
  Tier 1
  $0 per day for days 1-100
Out-of-network:
  $0 per day for days 1-100
  $0 per stay

Preventive services

Preventive services In-network: $0 copay
Out-of-network: $0 copay

Ambulance

Ground ambulance In-network: 20% coinsurance
Out-of-network: 20% coinsurance

Therapy services

Occupational therapy visit In-network: $0 copay
Out-of-network: $0 copay

Physical therapy & speech & language therapy visit In-network: $0 copay
Out-of-network: $0 copay

Mental health services

Outpatient group therapy with a psychiatrist In-network: 20% coinsurance
Out-of-network: 20% coinsurance

Outpatient individual therapy with a psychiatrist In-network: 20% coinsurance
Out-of-network: 20% coinsurance

Outpatient group therapy visit In-network: 20% coinsurance
Out-of-network: 20% coinsurance

Outpatient individual therapy visit In-network: 20% coinsurance
Out-of-network: 20% coinsurance

Opioid treatment services

Opioid treatment services Covered

Other services

Durable medical equipment (like wheelchairs & oxygen) In-network: 20% coinsurance
Out-of-network: 20% coinsurance

Prosthetics (like braces, artificial limbs) In-network: 20% coinsurance
Out-of-network: 20% coinsurance

Diabetes supplies In-network: $0 copay
Out-of-network: $0 copay

Prescription drugs (Part D benefits)

Drug tier standard retail · 1-month supply Initial coverage Catastrophic

Generic Drugs 25% coinsurance 0% coinsurance

Brand Name Drugs 25% coinsurance 0% coinsurance

Part B drugs

Chemotherapy drugs In-network: 0%-20% coinsurance
Out-of-network: 20% coinsurance

Other Part B drugs In-network: $0 copay
Out-of-network: $0 copay

Medicare star rating

Each year the federal government rates Medicare Advantage and Part D plans on a 5-star system covering quality of care, chronic-condition management, member experience, and customer service. For 2026, Humana Together in Health (PPO I-SNP) earned an overall rating of 3.5 stars — worse than Iowa's state average of 4.0 stars.

Rating category This plan State average

Overall star rating ★ 3.5 4.0

Health plan quality

Summary rating of health plan quality ★ 3.5 3.9

Staying healthy: screenings, tests & vaccines ★ 4.0 3.8

Managing chronic (long-term) conditions ★ 3.0 3.2

Member experience with health plan ★ 4.0 4.1

Member complaints & changes in performance ★ 4.0 4.2

Health plan customer service ★ 4.0 4.0

Drug plan quality

Summary rating of drug plan quality ★ 3.0 3.6

Drug plan customer service ★ 5.0 4.5

Member complaints & changes in performance ★ 3.0 3.8

Member experience with the drug plan ★ 3.0 3.5

Drug safety & accuracy of drug pricing ★ 3.0 3.8

Extra Benefits

Hearing

Hearing exam In-network: $0 copay
Out-of-network: $0 copay

Fitting/evaluation In-network: $0 copay
Out-of-network: $0 copay

Hearing aids - prescription In-network: $0-$599 copay
Out-of-network: $0-$599 copay

Hearing aids - over the counter In-network: $0 copay
Out-of-network: $0 copay

Preventive dental

Oral exam In-network: $0 copay
Out-of-network: $0 copay

Cleaning In-network: $0 copay
Out-of-network: $0 copay

Fluoride treatment Not covered

Dental x-rays In-network: $0 copay
Out-of-network: $0 copay

Comprehensive dental

Restorative services In-network: $0 copay
Out-of-network: $0 copay

Endodontics In-network: $0 copay
Out-of-network: $0 copay

Periodontics In-network: $0 copay
Out-of-network: $0 copay

Prosthodontics, removable In-network: $0 copay
Out-of-network: $0 copay

Prosthodontics, fixed In-network: $0 copay
Out-of-network: $0 copay

Maxillofacial prosthetics Not covered

Implant services Not covered

Oral and maxillofacial surgery In-network: $0 copay
Out-of-network: $0 copay

Orthodontics Not covered

Adjunctive general services In-network: $0 copay
Out-of-network: $0 copay

Vision

Routine eye exam In-network: $0 copay
Out-of-network: $0 copay

Contact lenses In-network: $0 copay
Out-of-network: $0 copay

Eyeglasses (frames & lenses) In-network: $0 copay
Out-of-network: $0 copay

Eyeglass frames (only) Not covered

Eyeglass lenses (only) Not covered

Upgrades Not covered

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