2023 Humana Gold Choice H8145-089 (PFFS)

Humana Gold Choice H8145-089 (PFFS) H8145-089 is a 2023 Medicare Advantage Plan or Part-C by Humana available to residents in Iowa and Wyoming. This plan includes extra prescription drug (Part-D) coverage. Humana Humana Gold Choice H8145-089 (PFFS) has a monthly premium of $95.00 and has an in-network maximum out-of-pocket limit of $- (MOOP). This means that if you get sick or need a high-cost procedure the co-pays are capped once you pay $- out-of-pocket. This can be an extremely nice safety net.

Humana works with Medicare to provide significant coverage beyond Part A and Part B benefits. If you decide to sign up for Humana Gold Choice H8145-089 (PFFS) you still retain Original Medicare. But you will get extra Part A (Hospital Insurance) and Part B (Medical Insurance) coverage from Humana and not Original Medicare. With 2023 Medicare Advantage Plan you are always covered for urgently needed and emergency care. Plus, you receive all the benefits of Original Medicare from Humana except hospice care. Original Medicare still provides you with hospice care if you sign up for Medicare Advantage in Iowa or Medicare Advantage in Wyoming.

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Benefits
Monthly Costs
Formulary and Drugs
Gap coverage
Premium Assistance
Reviews
Coverage Area

2023 Humana Medicare Advantage Plan Overview

Name:	Humana Gold Choice H8145-089 (PFFS)
Plan ID:	H8145 089 0
Provider:	Humana
Year:	2023
Type:	PFFS
Combined Premium (C+D):	$95.00/mo
Part C Premium:	$47.20/mo
MOOP:	$-/yr
Part D (Drug) Premium:	$47.80/mo
Part D Supplemental Premium	$0/mo
Total Part D Premium:	$47.80/mo
Drug Deductible:	$465.00/yr
Tiers with No Deductible:	0
Gap Coverage:	No
Benchmark:	Not below the regional benchmark
Type of Medicare Health:	Basic Alternative
Drug Benefit Type:	Basic
Similar Plan:	H8145-091

What type of plan is Humana Gold Choice H8145-089 (PFFS)

Humana Gold Choice H8145-089 (PFFS) is a PFFS. A Private Fee-For-Service (PFFS) plan is a Medicare Advantage (MA) health plan offered by a contract with the Centers for Medicare & Medicaid Services (CMS) to provide you with benefits. Humana (instead of Medicare) will decide on how much it will cover and how much you will pay for the services you get. You may go to any Medicare approved doctor or hospital or any other health care provider that accepts both Medicare and your plans payment. A PFFS plan has no provider network, and you dont need a referral or a primary care physician for any health care or services. PFFS plans are the most flexible but a doctor will make a visit-by-visit decisions on whether to accept your provider.

How much does Humana Gold Choice H8145-089 (PFFS) cost?

Monthly Premium

A monthly premium is the fee you pay to the plan in exchange for coverage. Humana charges a $95.00 consolidated premium. The Part C premium is $47.20 this charge covers Medicare medical, hospital benefits and supplemental benefits if offered. You generally are also responsible for paying the Part B premium.

Part-D Deductible and Premium

An annual deductible is the amount you pay out-of-pocket for your prescription drugs before your plan begins to pay. Humana Gold Choice H8145-089 (PFFS) has a monthly drug premium of $47.80 and a $465.00 drug deductible. This Humana plan offers a $47.80 Part-D Basic Premium that is Not below the regional benchmark. This covers the basic prescription benefit only and does not cover enhanced drug benefits such as medical benefits or hospital benefits. The Part D Supplemental Premium is $0. This Premium covers any enhanced plan benefits offered by Humana above and beyond the standard PDP benefits. This can include extra coverage in the gap, lower co-payments, and coverage of non-Part D drugs. The Part D Total Premium is $47.80. The Part D Total Premium is the addition of supplemental and basic premiums for some plans this amount can be lowered due to negative basic or supplemental premiums.

Humana Gap Coverage

In 2023 once you and your plan provider have spent $4660 on covered drugs. (Combined amount plus your deductible) You will be in the coverage gap. (AKA "donut hole") You will be required to pay 25% for prescription drugs unless your plan offers extra coverage. This Humana plan does not offer extra coverage through the gap.

Extra Help Premium Assistance

The Low Income Subsidy (LIS) Extra Helps people with Medicare pay for prescription drugs and lowers the costs of Medicare prescription drug coverage. Income limits are based on the Federal Poverty Level (FPL), which changes every year in February or March. The 2022 income limit is $1,719 ($2,309 for couples) per month. Depending on your income level you may be eligible for a full 75%, 50%, 25% premium assistance. The Humana Gold Choice H8145-089 (PFFS) medicare insurance offers a $7.90 premium obligation if you receive a full low-income subsidy (LIS) assistance. And the payment is $17.90 for 75% low-income subsidy $27.90 for 50% and $37.80 for 25%.

Full Assistance Premium:	$7.90
75% Assistance Premium:	$17.90
50% Assistance Premium:	$27.90
25% Assistance Premium:	$37.80

Formulary and Drug Coverage

Humana Gold Choice H8145-089 (PFFS) formulary is divided into tiers or levels of coverage based on usage and according to the medication costs. Each tier will have a defined copay that you must pay to receive the drug. Drugs in lower tiers will usually cost less than those in higher tiers. By reviewing different Medicare Drug formularies, you can pick a Medicare Advantage plan that covers your medications. Additionally, you can choose a plan that has your drugs listed at a lower price.

Drug Tier	Copay Preferred Pharmacy	Copay Nonpreferred Pharmacy
Tier 1	NA	$2
Tier 2	NA	$7
Tier 3	NA	25%
Tier 4	NA	25%
Tier 5	NA	25%

The complete Humana Gold Choice H8145-089 (PFFS) Formulary.
*Initial Coverage Phase and 30 day supply

2023 Summary of Benefits

The benefit information provided is a summary of what Humana Gold Choice H8145-089 (PFFS) covers and what you pay (such as copayments and coinsurance amounts) for certain common medical events. The Summary of Benefits from Humana helps get an idea of how much financial protection the plan is generally expected to provide for common health conditions. This section also contains information on coverage for in-network and out-of-network providers.

Wellness programs (e.g., fitness, nursing hotline)	Covered

Contact lenses

Vision	Not covered

Eyeglass frames

Vision	Not covered

Eyeglass lenses

Vision	Not covered

Eyeglasses (frames and lenses)

Vision	Not covered

Other

Vision	Not covered

Routine eye exam

Vision	Not covered

Upgrades

Vision	Not covered

Transportation	Not covered
In-Network Skilled Nursing Facility	$0 per day for days 1 through 20 $196 per day for days 21 through 55 $0 per day for days 56 through 100
Out-of-Network Skilled Nursing Facility	30% per stay

Occupational therapy visit

In-Network Rehabilitation services	$40 copay
Out-of-Network Rehabilitation services	30% coinsurance

Physical therapy and speech and language therapy visit

In-Network Rehabilitation services	$40 copay
Out-of-Network Rehabilitation services	30% coinsurance

Cleaning

In-Network Preventive dental	$0 copay
Out-of-Network Preventive dental	$0 copay

Dental x-ray(s)

In-Network Preventive dental	$0 copay
Out-of-Network Preventive dental	$0 copay

Fluoride treatment

In-Network Preventive dental	$0 copay
Out-of-Network Preventive dental	$0 copay

Oral exam

Out-of-Network Preventive dental	$0 copay
In-Network Preventive dental	$0 copay

In-Network Preventive care	$0 copay
Out-of-Network Preventive care	$0 copay or 30% coinsurance
Out-of-Network Outpatient hospital coverage	30% coinsurance per visit
In-Network Outpatient hospital coverage	$0-250 copay per visit
In-Network Other health plan deductibles?	No
Optional supplemental benefits	Yes

Inpatient hospital - psychiatric

Out-of-Network Mental health services	30% per stay
In-Network Mental health services	$405 per day for days 1 through 4 $0 per day for days 5 through 90

Outpatient group therapy visit

In-Network Mental health services	$0 copay
Out-of-Network Mental health services	30% coinsurance

Outpatient group therapy visit with a psychiatrist

In-Network Mental health services	$0 copay
Out-of-Network Mental health services	30% coinsurance

Outpatient individual therapy visit

In-Network Mental health services	$0 copay
Out-of-Network Mental health services	30% coinsurance

Outpatient individual therapy visit with a psychiatrist

Out-of-Network Mental health services	30% coinsurance
In-Network Mental health services	$0 copay

Chemotherapy

In-Network Medicare Part B drugs	12% coinsurance
Out-of-Network Medicare Part B drugs	30% coinsurance

Other Part B drugs

Out-of-Network Medicare Part B drugs	30% coinsurance
In-Network Medicare Part B drugs	12% coinsurance

Diabetes supplies

In-Network Medical equipment/supplies	$0 copay or 10-20% coinsurance per item
Out-of-Network Medical equipment/supplies	20-30% coinsurance per item

Durable medical equipment (e.g., wheelchairs, oxygen)

In-Network Medical equipment/supplies	20% coinsurance per item
Out-of-Network Medical equipment/supplies	20% coinsurance per item

Prosthetics (e.g., braces, artificial limbs)

Out-of-Network Medical equipment/supplies	30% coinsurance per item
In-Network Medical equipment/supplies	20% coinsurance per item

Maximum out-of-pocket enrollee responsibility (does not include prescription drugs)	$6,700 In and Out-of-network
Out-of-Network Inpatient hospital coverage	30% per stay
In-Network Inpatient hospital coverage	$454 per day for days 1 through 4 $0 per day for days 5 through 90 $0 per day for days 91 and beyond

Fitting/evaluation

Hearing	Not covered

Hearing aids - inner ear

Hearing	Not covered

Hearing aids - outer ear

Hearing	Not covered

Hearing aids - over the ear

Hearing	Not covered

Hearing exam

In-Network Hearing	$50 copay
Out-of-Network Hearing	30% coinsurance

Health plan deductible	$0
Out-of-Network Ground ambulance	$290 copay
In-Network Ground ambulance	$290 copay

Foot exams and treatment

Out-of-Network Foot care (podiatry services)	30% coinsurance
In-Network Foot care (podiatry services)	$50 copay

Routine foot care

Foot care (podiatry services)	Not covered

Emergency

Emergency care/Urgent care	$95 copay per visit (always covered)

Urgent care

Emergency care/Urgent care	$25 copay per visit (always covered)

Primary

In-Network Doctor visits	$20 copay per visit
Out-of-Network Doctor visits	30% coinsurance per visit

Specialist

In-Network Doctor visits	$50 copay per visit
Out-of-Network Doctor visits	30% coinsurance per visit

Diagnostic radiology services (e.g., MRI)

In-Network Diagnostic procedures/lab services/imaging	$0-250 copay
Out-of-Network Diagnostic procedures/lab services/imaging	30% coinsurance

Diagnostic tests and procedures

In-Network Diagnostic procedures/lab services/imaging	$0-100 copay
Out-of-Network Diagnostic procedures/lab services/imaging	$0 copay or 30% coinsurance

Lab services

In-Network Diagnostic procedures/lab services/imaging	$0-40 copay
Out-of-Network Diagnostic procedures/lab services/imaging	30% coinsurance

Outpatient x-rays

Out-of-Network Diagnostic procedures/lab services/imaging	30% coinsurance
In-Network Diagnostic procedures/lab services/imaging	$20-100 copay

Diagnostic services

In-Network Comprehensive dental	$0 copay
Out-of-Network Comprehensive dental	$0 copay

Endodontics

In-Network Comprehensive dental	$0 copay
Out-of-Network Comprehensive dental	$0 copay

Extractions

In-Network Comprehensive dental	$0 copay
Out-of-Network Comprehensive dental	$0 copay

Non-routine services

In-Network Comprehensive dental	$0 copay
Out-of-Network Comprehensive dental	$0 copay

Periodontics

Out-of-Network Comprehensive dental	$0 copay
In-Network Comprehensive dental	$0 copay

Prosthodontics, other oral/maxillofacial surgery, other services

In-Network Comprehensive dental	$0 copay
Out-of-Network Comprehensive dental	$0 copay

Restorative services

Out-of-Network Comprehensive dental	$0 copay
In-Network Comprehensive dental	$0 copay

In-Network Additional benefits and/or reduced cost-sharing for enrollees with certain health conditions?	No

Humana Gold Choice H8145-089 (PFFS) Reviews

Is Humana Gold Choice H8145-089 (PFFS) a good plan? Humana Gold Choice H8145-089 (PFFS) received a 4 overall star rating from the CMS. The CMS uses a Star Rating System to measure how well Medicare Advantage and Part D plans perform. Plans are rated on a one-to-five scale, with one star representing poor performance and five stars representing excellent performance. Medicare Advantage with prescription drug (Part D) coverage (MA-PD) contracts are rated on up to 38 unique quality and performance measures. You can use the CMS star rating to compare Humana Gold Choice H8145 089 Reviews among several different plans.

2022 Overall Rating
Part C Summary Rating
Part-D Summary Rating
Staying Healthy: Screenings, Tests, Vaccines
Managing Chronic (Long Term) Conditions
Member Experience with Health Plan
Complaints and Changes in Plans Performance
Health Plan Customer Service
Drug Plan Customer Service
Complaints and Changes in the Drug Plan
Member Experience with the Drug Plan
Drug Safety and Accuracy of Drug Pricing

Staying Healthy, Screening, Testing, & Vaccines

Total Preventative Rating
Breast Cancer Screening
Colorectal Cancer Screening
Annual Flu Vaccine
Monitoring Physical Activity

Managing Chronic And Long Term Care for Older Adults

Total Rating
SNP Care Management
Medication Review
Pain Assessment
Osteoporosis Management
Diabetes Care - Eye Exam
Diabetes Care - Kidney Disease
Diabetes Care - Blood Sugar
Controlling Blood Pressure
Reducing Risk of Falling
Improving Bladder Control
Medication Reconciliation
Statin Therapy

Member Experience with H8145-089 Health Plan

Total Experience Rating
Getting Needed Care
Getting Appointments
Customer Service
Health Care Quality
Rating of Health Plan
Care Coordination

Member Complaints and Changes in Plans Performance

Total Rating
Complaints about Health Plan
Members Leaving the Plan
Health Plan Quality Improvement

Health Plan Customer Service Rating for Humana

Total Customer Service Rating
Timely Decisions About Appeals
Reviewing Appeals Decisions
Call Center, TTY, Foreign Language

Drug Plan Customer Service Ratings

Total Rating
Call Center, TTY, Foreign Language

Ratings For Member Complaints and Changes in the Drug Plans Performance

Total Rating
Complaints about the Drug Plan
Members Choosing to Leave the Plan
Drug Plan Quality Improvement

Member Experience with the Drug Plan

Total Rating
Rating of Drug Plan
Getting Needed Prescription Drugs

Drug Safety and Accuracy of Drug Pricing

Total Rating
MPF Price Accuracy
Drug Adherence for Diabetes Medications
Drug Adherence for Hypertension (RAS antagonists)
Drug Adherence for Cholesterol (Statins)
MTM Program Completion Rate for CMR
Statin with Diabetes

Coverage Area

(Click county or state to compare all available Advantage plans)

The availability of Medicare Advantage Plans will vary according to your region. This is why the Coverage Area matters in terms of Medicare eligibility. You will always be eligible for Original Medicare, but eligibility for Humana Gold Choice H8145-089 (PFFS) requires you to live in that plan’s service area. The service area is listed below:

State:	Iowa Medicare Wyoming Medicare Minnesota Medicare North Dakota Medicare Montana Medicare South Dakota Medicare

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How much does Humana Gold Choice H8145-089 (PFFS) cost?

Humana charges a $95.00 consolidated monthly premium. A monthly premium is the fee you pay to the plan in exchange for coverage of Medicare medical, hospital benefits and supplemental benefits if offered. You generally are also responsible for paying the Part B premium.

How much is Humana Gold Choice H8145-089 (PFFS) MOOP?

The maximum out-of-pocket (MOOP) is a yearly limit on your out-of-pocket costs. Humana Gold Choice H8145-089 (PFFS) by Humana MOOP is $-. Once you spend $- you will pay nothing for Part A or Part B covered services.

What type of plan is Humana Gold Choice H8145-089 (PFFS)?

Humana Gold Choice H8145-089 (PFFS) is a PFFS. A Private Fee-For-Service (PFFS) is a plan offered by a contract with the (CMS) to provide you with benefits. PFFS plans are the most flexible but your doctor will make a visit-by-visit decisions on whether to accept your provider.

Is Humana Gold Choice H8145-089 (PFFS) a good plan?

Humana Gold Choice H8145-089 (PFFS) received a 4 overall star rating from the CMS. The CMS uses a Star Rating System to measure how well plans perform. Plans are rated on a one-to-five scale, with one star representing poor performance and five stars representing excellent performance.

Source:CMS. Data as of Oct 1, 2022.

Last updated on December 03, 2022

Notes: Data are subject to change as contracts are finalized. For 2023, enhanced alternative may offer extra cost sharing reductions in the gap on a sub-set of the formulary drugs, beyond the standard Part-D benefit. Includes 2023 approved contracts. Employer sponsored 800 series and plans under sanction are excluded.