Medicare Advantage Plan With Part D Prescription Drug Coverage
Network Type
PFFS
Humana Gold Choice H8145-032 (PFFS) is a Medicare Advantage Plan With Part D Prescription Drug Coverage, which is available in Indiana and offered by the health insurance company Humana. This plan’s network type is PFFS which determines in-network doctors who accept the health plan and whether a referral is needed.
Cost Summary
Monthly Premium
$48
Annual Deductible
$0
Max Out-of-Pocket
$4,150 In and Out-of-network
Primary doctor visit
$0 copay
Specialist visit
$40 copay per visit
ER visit
$140 copay per visit (always covered)
Ambulance
$315 copay
Humana Gold Choice H8145-032 (PFFS) has a monthly premium cost of $48 per month, with an annual deductible of $0 and a maximum out of pocket cost sharing of $4,150 In and Out-of-network. The most common benefit costs which people evaluate when choosing a plan are costs for a primary doctor visit, specialist doctor visit, emergency room visit, and ambulance. These costs are listed in this summary section and a full list of benefit costs for Humana Gold Choice H8145-032 (PFFS) are defined below.
Additional Benefits and Coverage
Yes
Part D Prescription Drug Coverage
Yes
Dental
Yes
Vision
Yes
Hearing
Humana Gold Choice H8145-032 (PFFS) is a Medicare Advantage plan which does include Medicare Part D Prescription Drug coverage. Other common benefits included with Medicare Advantage plans are coverage for dental, vision, and hearing. Humana Gold Choice H8145-032 (PFFS) includes coverage for hearing, vision, dental.
Medicare Advantage health plans can offer even more additional benefits. Humana Gold Choice H8145-032 (PFFS) includes coverage for the following additional benefits:
Other benefits
Fitness benefit
Limited coverage
Over the counter drug benefits
Not covered
In-home support services
Not covered
Home and bathroom safety devices
Not covered
Meals for short duration
Limited coverage
Annual physical exams
Limited coverage
Telehealth
Limited coverage
Comparing the Quality Score of Humana Gold Choice (PFFS) to Other Plans in Indiana
Each year the federal government evaluates the quality of Medicare Advantage and Part D Prescription Drug plans based on a 5-star scoring system. For 2025, Humana Gold Choice (PFFS) received an overall government quality rating of 4.0 stars out of 5 stars.
Humana Gold Choice (PFFS) performed better than Indiana’s State average overall quality score of 3.7 stars.
This Plan’s 5-star Gov’t Quality Score
Indiana State Average Score
Overall Government 5 Star Quality Rating
4.0
3.7
Summary rating of health plan quality
4
3.7
Staying healthy: screenings, tests, & vaccines
3
3.6
Managing chronic (long term) conditions
3
3.4
Member experience with health plan
5
3.8
Member complaints & changes in the health plan's performance
4
4.0
Health plan customer service
4
3.9
Summary rating of drug plan quality
3.5
3.5
Drug plan customer service
4
3.9
Member complaints & changes in the drug plan's performance
4
3.6
Member experience with the drug plan
4
3.6
Drug safety & accuracy of drug pricing
3
3.2
The government calculates an “Overall star rating” based on ratings for sub components including “Health plan star rating” and “Drug plan star rating”, which includes further subcomponents of each.
Humana Gold Choice (PFFS) received 4 stars for its health plan quality score which is better than the Indiana State average health plan quality score of 3.7 stars.
Humana Gold Choice (PFFS) received 3.5 stars for its drug plan quality score which is the same as the Indiana State average drug plan quality score of 3.5 stars.
In-network: $0-130 copay
Out-of-network: $0-130 copay or 50% coinsurance
Emergency care
$140 copay per visit (always covered)
Urgent care
$65 copay per visit (always covered)
Hospital Services
Inpatient hospital coverage
In-network: $500 per day for days 1 through 5
$0 per day for days 6 through 90
$0 per day for days 91 and beyond
Out-of-network: $500 per day for days 1 through 5
$0 per day for days 6 through 90
Outpatient hospital coverage
In-network: $0-500 copay per visit
Out-of-network: $0-500 copay per visit
Skilled nursing facility
Skilled nursing facility
In-network: $20 per day for days 1 through 20
$214 per day for days 21 through 100
Out-of-network: $20 per day for days 1 through 20
$214 per day for days 21 through 100
In this article we rank Indiana Medicare Advantage plans based on our evaluation of government 5-star quality scores. Each year the government rates the quality of Medicare Advantage health insurance plans with a 5-star quality score. An overall quality score is assigned to each plan which is based on the scores of various quality metrics.
The Medicare landscape in Indiana is constantly changing. In this article we show a summary of new and returning health insurance companies offering Medicare Advantage Plans (Part C) and Medicare Prescription Drug Plans (Part D) in Indiana.
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