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Humana Full Access H5216-124 (PPO)

West Virginia Medicare Advantage Plan (2025 Plan)

Monthly Premium

Your Cost
$126
by Humana

Additional Coverage

HearingVisionDental

Overall Government Star Rating

 3.5
out of 5 stars

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Plan Overview

Plan Name
Humana Full Access H5216-124 (PPO)
Insurance Carrier
Humana
Plan Type
Medicare Advantage Plan With Part D Prescription Drug Coverage
Network Type
PPO

Humana Full Access H5216-124 (PPO) is a Medicare Advantage Plan With Part D Prescription Drug Coverage, which is available in West Virginia 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
$126
Annual Deductible
$0
Max Out-of-Pocket
$6,750
Primary doctor visit
$10 copay per visit
Specialist visit
$45 copay per visit
ER visit
$125 copay per visit (always covered)
Ambulance
$315 copay

Humana Full Access H5216-124 (PPO) has a monthly premium cost of $126 per month, with an annual deductible of $0 and a maximum out of pocket cost sharing of $10,100 In and Out-of-network $6,750 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 Humana Full Access H5216-124 (PPO) are defined below.

Additional Benefits and Coverage

Yes
Part D Prescription Drug Coverage
Yes
Dental
Yes
Vision
Yes
Hearing

Humana Full Access H5216-124 (PPO) is a Medicare Advantage plan which does include Medicare Part D Prescription Drug coverage. Other common benefits included with Medicare Advantage plans are coverage for dental, vision, and hearing. Humana Full Access H5216-124 (PPO) includes coverage for hearing, vision, dental.

Medicare Advantage health plans can offer even more additional benefits. Humana Full Access H5216-124 (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
Limited coverage
Annual physical exams
Limited coverage
Telehealth
Limited coverage

Comparing the Quality Score of Humana Full Access (PPO) to Other Plans in West Virginia

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, Humana Full Access (PPO) received an overall government quality rating of 3.5 stars out of 5 stars.

Humana Full Access (PPO) performed worse than West Virginia’s State average overall quality score of 4.0 stars.

This Plan’s 5-star Gov’t Quality Score
West Virginia State Average Score
Overall Government 5 Star Quality Rating
 3.5
 4.0
Summary rating of health plan quality
 3.5
 3.9
Staying healthy: screenings, tests, & vaccines
 4
 3.0
Managing chronic (long term) conditions
 4
 3.3
Member experience with health plan
 4
 4.4
Member complaints & changes in the health plan's performance
 4
 4.1
Health plan customer service
 4
 4.2
Summary rating of drug plan quality
 3.5
 3.9
Drug plan customer service
 4
 4.1
Member complaints & changes in the drug plan's performance
 3
 3.9
Member experience with the drug plan
 4
 4.2
Drug safety & accuracy of drug pricing
 3
 3.4

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.

Humana Full Access (PPO) received 3.5 stars for its health plan quality score which is worse than the West Virginia State average health plan quality score of 3.9 stars.

Humana Full Access (PPO) received 3.5 stars for its drug plan quality score which is worse than the West Virginia State average drug plan quality score of 3.9 stars.

Plan Benefits and Coverage Details

Monthly Premium
$126
Health Portion of Premium
$44
Drug Portion of Premium
$82
Health Plan Deductible
$0
Health Plan Max Out-of-Pocket
$10,100 In and Out-of-network
$6,750 In-network
Nationwide Coverage included
No
Hearing Coverage included
Yes
Vision Coverage included
Yes
Dental Coverage included
Yes
Doctor Lookup Link
https://www.humana.com/medicare?cm_mmc=provider_Medicare_gov-_-Medicare_gov_link-_-Vanity-_-Link
Plan Link
http://www.humana.com/medicare

Medical Benefits

Doctor Services

Primary doctor visit
In-network: $10 copay per visit
Out-of-network: $10 copay per visit
Specialist visit
In-network: $45 copay per visit
Out-of-network: $45 copay per visit

Tests, labs, & imaging

Diagnostic tests & procedures
In-network: $0-90 copay
Out-of-network: $0-90 copay
Lab services
In-network: $0-55 copay
Out-of-network: $0-55 copay
Diagnostic radiology services (like MRI)
In-network: $0-500 copay
Out-of-network: $0-500 copay
Outpatient x-rays
In-network: $10-130 copay
Out-of-network: $10-130 copay
Emergency care
$125 copay per visit (always covered)
Urgent care
$55 copay per visit (always covered)

Hospital Services

Inpatient hospital coverage
In-network: $480 per stay
Out-of-network: $480 per stay
Outpatient hospital coverage
In-network: $0-480 copay per visit
Out-of-network: $0-480 copay per visit

Skilled nursing facility

Skilled nursing facility
In-network: $10 per day for days 1 through 20
$214 per day for days 21 through 100
Out-of-network: $10 per day for days 1 through 20
$214 per day for days 21 through 100

Preventive services

Preventive services
In-network: $0 copay
Out-of-network: $0 copay or 50% coinsurance

Ambulance

Ground ambulance
In-network: $315 copay
Out-of-network: $315 copay

Therapy services

Occupational therapy visit
In-network: $20-30 copay
Out-of-network: $20-30 copay
Physical therapy & speech & language therapy visit
In-network: $20-30 copay
Out-of-network: $20-30 copay

Mental health services

Outpatient group therapy with a psychiatrist
In-network: $45 copay
Out-of-network: $45 copay
Outpatient individual therapy with a psychiatrist
In-network: $45 copay
Out-of-network: $45 copay
Outpatient group therapy visit
In-network: $45 copay
Out-of-network: $45 copay
Outpatient individual therapy visit
In-network: $45 copay
Out-of-network: $45 copay

Opioid treatment services

Opioid treatment services
Covered

Other services

Durable medical equipment (like wheelchairs & oxygen)
In-network: 20% coinsurance per item
Out-of-network: 50% coinsurance per item
Prosthetics (like braces, artificial limbs)
In-network: 20% coinsurance per item
Out-of-network: 20% coinsurance per item
Diabetes supplies
In-network: $0 copay or 10-20% coinsurance per item
Out-of-network: 10-20% coinsurance per item

Prescription Drug Benefits

Tier drug costs for: Standard retail pharmacy drug cost for 1-month

TiersInitial coverage phaseCatastrophic coverage phase
Preferred Generic$5.00 copay$0 copay
Generic$15.00 copay$0 copay
Preferred Brand$47.00 copay$0 copay
Non-Preferred Drug50% coinsurance$0 copay
Specialty Tier33% coinsurance$0 copay

Part B Drugs

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

Extra Benefits

Hearing

Hearing exam
In-network: $45 copay
Out-of-network: $45 copay
Fitting/evaluation
Not covered
Hearing aids - Inner ear
Not covered
Hearing aids - Outer ear
Not covered
Hearing aids - Over the ear
Not covered

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: $25 copay
Out-of-network: $25 copay
Endodontics
Not covered
Periodontics
Not covered
Prosthodontics, removable
Not covered
Prosthodontics, fixed
Not covered
Maxillofacial prosthetics
Not covered
Implant services
Not covered
Oral and maxillofacial surgery
Not covered
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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