Plan year 2027 · Medicare AdvantageCMS files of Sept. 22 and Oct. 1, 2026
Humana Essentials Plus Giveback, 2027
H7617Contract065Plan
PPO · 55 counties in West Virginia
Run by Emphesys Insurance Company (contract H7617), sold as Humana, owned by Humana Inc.
Humana Essentials Plus Giveback (H7617-065) 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). In 2026 it was called HumanaChoice Giveback. It takes in the members of H7617-072.
What changes from 2026 to 2027?
| What you pay or get | 2026 | 2027 | Change |
|---|---|---|---|
| Plan name | HumanaChoice Giveback | Humana Essentials Plus Giveback | renamed |
| 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 | 55 | ▲up 14 |
| 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?
| 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
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?
The premium and the out-of-pocket limit are the same in all 55 counties: $0 a month and $9,850.
West Virginia
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).
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 9,728 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 RxH7617-072 | 3,632 | 3,602 | $0 | no change | $8,850 | ▲up $1,000 |
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
- H7617-065
- Legal name of the contract
- Emphesys Insurance Company
- Sold as
- Humana
- Parent company
- Humana Inc.
- Plan type
- PPO
- 2026 star rating of the contract
- 4.5 of 5 overall; health plan 4.5 of 5, drug plan 4 of 5
- Members, September 2026
- 9,728
- 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 119 plans of contract H7617Same 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.