Medicare Advantage plan
HumanaChoice R0110-004 (Regional PPO)
| Plan details | |
|---|---|
| Plan ID | R0110-004-0 |
| Sold by | Humana |
| Plan type | Regional PPO |
| Category | MA |
| Overall star rating | 3.5 |
| Health star rating | 3.5 |
| Drug star rating | 4 |
| Part C premium (monthly) | $0 |
| Max out-of-pocket, in network (annual) | $9,850 |
| Drug benefit | Not Applicable |
| Service area | Note: Offered only in the 233 counties listed here. Medicare Advantage plans are sold by county, so a plan with the same name under a different contract is a different plan with its own costs.; States: NC, VA; County count: 233; Counties by state: NC: Alamance, Alexander, Alleghany, Anson, Ashe, Avery, Beaufort, Bertie, Bladen, Brunswick, Buncombe, Burke, Cabarrus, Caldwell, Camden, Carteret, Caswell, Catawba, Chatham, Cherokee, Chowan, Clay, Cleveland, Columbus, Craven, Cumberland, Currituck, Dare, Davidson, Davie, Duplin, Durham, Edgecombe, Forsyth, Franklin, Gaston, Gates, Graham, Granville, Greene, Guilford, Halifax, Harnett, Haywood, Henderson, Hertford, Hoke, Hyde, Iredell, Jackson, Johnston, Jones, Lee, Lenoir, Lincoln, Macon, Madison, Martin, McDowell, Mecklenburg, Mitchell, Montgomery, Moore, Nash, New Hanover, Northampton, Onslow, Orange, Pamlico, Pasquotank, Pender, Perquimans, Person, Pitt, Polk, Randolph, Richmond, Robeson, Rockingham, Rowan, Rutherford, Sampson, Scotland, Stanly, Stokes, Surry, Swain, Transylvania, Tyrrell, Union, Vance, Wake, Warren, Washington, Watauga, Wayne, Wilkes, Wilson, Yadkin, Yancey; VA: Accomack, Albemarle, Alexandria City, Alleghany, Amelia, Amherst, Appomattox, Arlington, Augusta, Bath, Bedford, Bland, Botetourt, Bristol City, Brunswick, Buchanan, Buckingham, Buena Vista City, Campbell, Caroline, Carroll, Charles City, Charlotte, Charlottesville City, Chesapeake City, Chesterfield, Clarke, Colonial Heights City, Covington City, Craig, Culpeper, Cumberland, Danville City, Dickenson, Dinwiddie, Emporia City, Essex, Fairfax, Fairfax City, Falls Church City, Fauquier, Floyd, Fluvanna, Franklin, Franklin City, Frederick, Fredericksburg City, Galax City, Giles, Gloucester, Goochland, Grayson, Greene, Greensville, Halifax, Hampton City, Hanover, Harrisonburg City, Henrico, Henry, Highland, Hopewell City, Isle of Wight, James City, King George, King William, King and Queen, Lancaster, Lee, Lexington City, Loudoun, Louisa, Lunenburg, Lynchburg City, Madison, Manassas City, Manassas Park City, Martinsville City, Mathews, Mecklenburg, Middlesex, Montgomery, Nelson, New Kent, Newport News City, Norfolk City, Northampton, Northumberland, Norton City, Nottoway, Orange, Page, Patrick, Petersburg City, Pittsylvania, Poquoson City, Portsmouth City, Powhatan, Prince Edward, Prince George, Prince William, Pulaski, Radford City, Rappahannock, Richmond, Richmond City, Roanoke, Roanoke City, Rockbridge, Rockingham, Russell, Salem City, Scott, Shenandoah, Smyth, Southampton, Spotsylvania, Stafford, Staunton City, Suffolk City, Surry, Sussex, Tazewell, Virginia Beach City, Warren, Washington, Waynesboro City, Westmoreland, Williamsburg City, Winchester City, Wise, Wythe, York |
| Premium note | The same premium applies in every county in the service area below (verified across all county rows in the CMS file). |
Plan year 2027 · Source: CMS · Checked October 30, 2026 Plan ID: R0110-004-0 · Sold by Humana
What this plan is
This is a Regional PPO plan, so you can see doctors outside the network at a higher cost, and you do not pick a main doctor. It does not include prescription drug coverage, so the premium below is the medical part only. It is sold in 233 counties in North Carolina and Virginia.
The same plan name can appear under other contracts in other areas, and those versions are different plans with their own costs. The numbers on this page belong to this contract only. See the Humana company page for its full list of plans, or all companies compared for the whole field.
Medicare rates this plan's contract 3.5 out of 5 stars overall for 2027.
What it costs
- Monthly premium for the medical part: $0. You still pay your Part B premium each month, just as you would with any Medicare Advantage plan. This plan has no combined medical-plus-drug premium in Medicare's file, because it has no drug coverage.
- Yearly limit on in-network care: $9,850. Once your copays and coinsurance for Part A and Part B care reach this amount in a year, you pay nothing more for covered in-network care that year.
- Drug coverage: none. If you need drug coverage, this is not the plan that gives it to you, and joining a plan with no drug coverage can leave you paying for drugs on your own.
The premium is not the whole cost, because copays for visits and hospital stays still add up across the year. The yearly limit above is the cap on the medical side of that cost.
Where it is sold
This plan is sold in 233 counties, and the full list is in this page's data record. A plan with the same name under a different contract is a different plan with its own costs, even when the company name on the card looks the same.
Before you join
Before you join, check that your doctors are in the network and that your drugs are on the plan's drug list. Care and Living Guide does not sell or enroll anyone in a plan, so to sign up or check your own case, use Medicare.gov, call 1-800-MEDICARE, or talk with a licensed insurance agent.
More detail about this plan
The full cost picture: this plan charges the Part C premium above and includes no drug coverage, so drug costs would sit in a separate Part D plan with its own premium, deductible, and yearly limit. Copays for visits and hospital stays sit on top of the premium, and the yearly limit above caps what you pay for covered in-network medical care.
Extra benefits: Medicare's Landscape file does not list this plan's dental, vision, hearing, fitness, over-the-counter, or transportation amounts. Those amounts live in the plan's Summary of Benefits and Evidence of Coverage, which Medicare.gov links from this plan's page. This page leaves the amounts blank until the CMS Plan Benefits Package files are loaded, rather than copying numbers from ads.
Drugs: this plan has no drug benefit and no formulary of its own. If you take prescription drugs, price a separate Part D plan before you join, because joining late can add a penalty.
You can join most Medicare Advantage plans for 2027 during the yearly enrollment period, October 15 to December 7, 2026. If you already have a Medicare Advantage plan, you can switch plans or go back to Original Medicare from January 1 to March 31. A move or another big life change can open a special window of its own. To join, use Medicare.gov, call 1-800-MEDICARE, or talk with a licensed insurance agent. Care and Living Guide does not sell or enroll anyone in a plan.
The plan's official phone number and website are listed on its Medicare.gov plan page, checked October 31, 2026. Detail sources for this section: Medicare.gov (Plan Finder, plan pages, enrollment guidance) and SSA.gov (enrollment periods). Those sources add context only. Every figure on this page still comes from CMS.
Care and Living Guide is not connected with or endorsed by the U.S. government or the federal Medicare program. For official information visit Medicare.gov or call 1-800-MEDICARE.
Care and Living Guide is not connected with or endorsed by the U.S. government or the federal Medicare program. For official information visit Medicare.gov or call 1-800-MEDICARE.