Plan year 2027 · Medicare AdvantageCMS files of Sept. 22 and Oct. 1, 2026

HumanaChoice Giveback, 2027

H5216Contract328Plan

PPO · 21 counties in West Virginia

Run by Humana Insurance Company (contract H5216), sold as Humana, owned by Humana Inc.

Takes in 1 plan

2026 star rating, contract H5216: 3.5 of 5

HumanaChoice Giveback (H5216-328) costs $0 a month in 2027, the same as in 2026, with an in-network out-of-pocket limit of $9,850 ($9,250 in 2026). It leaves 20 counties it served in 2026, where 1,484 of its members lived; they choose another plan for 2027 (the counties are listed below). It takes in the members of H5216-391.

What changes from 2026 to 2027?

The changed lines are marked and come first. In-network amounts; members keep paying the Part B premium unless the plan reduces it.
What you pay or get	2026	2027	Change
In-network out-of-pocket limit	$9,250	$9,850	up $600
Drug deductible	$325	$700	up $375
Part B premium reduction, monthly	$119	$115	down $4
Specialist visit	$45 copay	$50 copay	up $5
Medical deductible, in network	$590	$650	up $60
Hospital stay, in network	$400 a day for days 1–5, then $0 a day for days 6–90	$475 a day for days 1–5, then $0 a day for days 6–90	up $375for a 5-day stay
Skilled nursing facility, in network	$0 a day for days 1–20, then $218 a day for days 21–100	$0 a day for days 1–20, then $221 a day for days 21–100	up $30for a 30-day stay
Ground ambulance, in network	$335 copay	$325 copay	down $10
Eyewear, yearly limit	$300 a year	$100 a year	down $200
Counties served	41	21	down 20
Drug tier 2, generic	$1	$0	down $1
Drug tier 3, preferred brand	$30	17% of the cost	changed
Drug tier 4, non-preferred drug	45% of the cost	50% of the cost	up 5 points
Drug tier 5, specialty tier	29% of the cost	25% of the cost	down 4 points
7 lines do not change
Monthly premium	$0	$0	no change
Primary care visit	$0 copay	$0 copay	no change
Emergency room	$115 copay	$115 copay	no change
Comprehensive dental, yearly limit	not offered	not offered	no change
Hearing aids, yearly limit for both ears	not offered	not offered	no change
Over-the-counter items, yearly	not offered	not offered	no change
Drug tier 1, preferred generic	$0	$0	no change

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS plan benefit package files, 2027 and 2026; CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026). Plan details can change during the year; confirm on Medicare Plan Finder.

What will prescriptions cost?

Your share for a 30-day supply at a retail pharmacy, as filed with CMS; tiers whose share changes are marked
Tier	What the tier holds	2026	2027
Tier 1	Preferred Generic	$0	$0
Tier 2	Generic	$1	$0
Tier 3	Preferred Brand	$30	17% of the cost
Tier 4	Non-Preferred Drug	45% of the cost	50% of the cost
Tier 5	Specialty Tier	29% of the cost	25% of the cost

Source: CMS plan benefit package files, 2027 and 2026. Insulin is capped at $35 a month by law. A drug's tier is set by the plan's formulary.

How does it compare with plans sold where it is?

In the counties it serves, 42 plans open to everyone are sold for 2027, this one included. Against the others, 34 plans have a lower out-of-pocket limit, 7 the same. On the premium, 25 the same, 16 a higher one.

Out-of-pocket limits of the 42 plans open to everyone

$0 to under $2,0000 plans

$2,000 to under $4,0000 plans

$4,000 to under $6,0001 plan

$6,000 to under $8,00023 plans

$8,000 to $10,000 (this plan)18 plans

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).

Where is it sold, and what does it cost there?

It stops serving 20 counties it served in 2026 (listed in the next section).

The premium and the out-of-pocket limit are the same in all 21 counties: $0 a month and $9,850.

West Virginia

Berkeley Boone Cabell Clay Fayette Greenbrier Jefferson Kanawha Lincoln Logan Mason McDowell Mercer Mingo Monroe Nicholas Putnam Raleigh Summers Wayne Wood

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).

What if you live in a county it leaves?

Its 2026 members in the 20 counties listed below cannot stay in it for 2027; each county page lists the 2027 plans sold there.

Your coverage: This plan ends for you on December 31, 2026, because it is no longer sold where you live.
October 15 to December 7, 2026: Open enrollment: join another Medicare Advantage plan, or Original Medicare with a drug plan. Coverage starts January 1, 2027.
December 8, 2026 to the end of February 2027: A special enrollment period because the plan is leaving: you can still join a plan, but coverage starts the first day of the month after you join, so choose by December 31 to have no gap.
If you do nothing: You are enrolled in Original Medicare when the plan ends, without a drug plan unless you join one (with Extra Help or full Medicaid, Medicare enrolls you in one).
Without a drug plan: Going 63 days or more in a row without drug coverage can mean a late enrollment penalty if you join a drug plan later; joining by the end of February keeps a January and February gap under 63 days, waiting longer does not.
If you choose Original Medicare: You have a guaranteed right to buy Medigap Plan A, B, C, D, F, G, K or L sold in your state by any insurance company; if you were new to Medicare on or after January 1, 2020, Plans D and G take the place of C and F. Apply from 60 days before to 63 days after the plan ends; the policy starts once your Medicare Advantage coverage ends. Other Medigap plans are not covered by this right.

The 20 counties it leaves, most members first
County	Members, Sept. 2026
Harrison, WV	191
Marion, WV	147
Mineral, WV	134
Hancock, WV	111
Ohio, WV	109
Marshall, WV	100
Lewis, WV	88
Hardy, WV	75
Brooke, WV	74
Wetzel, WV	58
Ritchie, WV	54
Webster, WV	54
Braxton, WV	47
Pocahontas, WV	44
Taylor, WV	44
Tyler, WV	35
Wirt, WV	35
Doddridge, WV	29
Tucker, WV	29
Pleasants, WV	26

Source: CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11); Medicare.gov, “Special enrollment periods” and “When can I buy Medigap?” (read Oct. 7, 2026).

Which 2026 plans move into it, and what changes for their members?

For 2027 this plan takes in the members of 1 other plan, beside its own 5,137 members. In 2027 it costs $0 a month with a $9,850 limit; each row compares that with the plan its members had in 2026.

2026 plan	Members, Sept. 2026	Members who move	Premium 2026	Premium change	Limit 2026	Limit change
Humana USAA Honor Giveback with RxH5216-391	12,963	5,606	$0	no change	$8,850	up $1,000

Only the members of Humana USAA Honor Giveback with Rx (H5216-391) who live in the 21 counties where this plan is sold move into it (5,606 of its 12,963 members); in its other 34 counties the plan ends and members choose a new one. What happens where.

Source: CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11); CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision). Each moving plan's own page lists every line that changes for its members.

Who runs this plan?

Plan ID: H5216-328
Legal name of the contract: Humana Insurance Company
Sold as: Humana
Parent company: Humana Inc.
Plan type: PPO
2026 star rating of the contract: 3.5 of 5 overall; health plan 3.5 of 5, drug plan 3 of 5
Members, September 2026: 5,137
Plan website, as filed with CMS: www.humana.com/medicare

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS 2026 Star Ratings (October 2025); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11). CMS publishes the 2027 Star Ratings in October 2026.

What else should you check?

Other 2027 plans in Kanawha, WVWhere most of its members live; premiums and limits side by side
Every Humana plan for 2027Its contracts, counties and plans that end
The other 212 plans of contract H5216Same company, same contract
Is your prescription covered?Coverage share and tier for 2,259 drugs

Data, not advice. These are the plan's filed amounts, not a quote for you; confirm on Medicare Plan Finder or call the plan before you enroll.