Creation of Opportunities for Medical Manpower in Underserved Neighborhoods by Indemnifying Tuition and Incentivizing Exceptional Service Act or the COMMUNITIES Act This bill increases the amount of student loan repayment available to eligible health care providers who agree to complete a five-year period of obligated service in a health professional shortage area. Specifically, for each year of service, the Department of Health and Human Services shall pay one-fifth of the total amount owed on a participating provider's qualifying student loans. Current law caps the maximum amount of student loan repayment that a provider may receive in exchange for such service.