Medicare Advantage · PFFS · 2027
Humana Gold Choice (PFFS)
At a glance: $0 monthly premium and $0 primary care visits.
This plan does not include Part D drug coverage. Before enrolling, confirm how your prescriptions will be covered. Read before you enroll
- Monthly premium
- $0
- Part B premium separate
- Yearly limit
- $9,850
- Most you’d pay for in-network care
- Dental
- $1,750/yr
- Preventive & comprehensive dental allowance
- Doctor visits
- $0
- Primary care · specialists $40
Check this plan for you
Add your doctors to see if they’re in this plan’s network.
- DentalPreventive & comprehensive dental allowance
- $1,750/yr
- HearingCopay per hearing aid
- $575–$750
- OTC allowance
- $60/quarter
- VisionEyewear allowance
- $100/yr
- MealsMeal benefit
- Included
This is a supplemental benefit with plan-specific limits. See plan documents for details.
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Enrollment options depend on where you live. Enter your ZIP code so we can show the right ways to enroll in this plan.
Before you enroll
Prescription coverage and who this plan may fit
This plan does not include Part D drug coverage
Who this type of plan may fit
MA-Only plans are generally considered by people who already have creditable prescription drug coverage, such as coverage from the VA, TRICARE, or a current or former employer or union. Your coverage provider (not this page) must tell you whether your current drug coverage is creditable.
Before you enroll
- Find your current plan's annual Notice of Creditable Coverage or ask its benefits administrator.
- Do not drop existing drug coverage until you understand how the change affects both coverages.
Costs and copays
Deductible, yearly limit, visits, hospital stays and drug coverage
- Medical deductiblePer year
- $0
- Drug coveragePart D
- Not included
- Yearly limitIn-network care, not counting drugs
- $9,850
- Yearly limit, in and out of networkCombined, not counting drugs
- $9,850
- Primary doctorPer visit
- $0
- SpecialistPer visit
- $40
- Hospital stayNo limit on covered hospital days
- Days 1-5: $485/day, Days 6-90: $0/day, then $0/day
- Inpatient mental healthHospital stay
- Days 1-4: $485/day, Days 5-90: $0/day
- Outpatient surgeryPer procedure
- $400
- Emergency roomPer visit
- $115
- Urgent carePer visit
- $40
Our take
Where this plan shines, and what to know
Where this plan shines
- This plan has a $0 monthly premium.
- See your primary doctor for $0.
- No separate medical deductible.
- Highly rated by CMS (4 stars).
Things to know before you enroll
- This plan’s out-of-pocket maximum is above the national median.
- Limited coverage while traveling outside the plan’s service area.
- Does not include prescription drug coverage. You can add a separate Part D plan to this plan.
- Late enrollment penalty risk if you go without creditable drug coverage for 63+ days.
Similar plans
Other Medicare Advantage plans offered in Arkansas, Illinois, Kansas, Missouri, Oklahoma, and Texas
Browse the full 2027 Medicare Advantage without drug coverage directory. This plan is offered in Arkansas, Illinois, Kansas, Missouri, Oklahoma, and Texas. Plan availability can vary by county.
More Medicare Advantage without drug coverage options
These plans are offered in at least one of the same states. Check your ZIP or county before choosing a plan.
- Humana USAA Honor Giveback (PPO)Humana · H5216-278Offered in Arkansas, Illinois, Kansas, Missouri, and Oklahoma
- Humana USAA Honor Giveback (PPO)Humana · H7617-012Offered in Arkansas, Illinois, Kansas, Missouri, and Oklahoma
- AARP Medicare Advantage Patriot No Rx KS-MA01 (PPO)UnitedHealthcare · H8768-025Offered in Kansas and Missouri
- AARP Medicare Advantage Patriot No Rx KS-MA2 (HMO-POS)UnitedHealthcare · H2802-077Offered in Kansas and Missouri
- AARP Medicare Advantage Patriot No Rx MO-MA01 (HMO-POS)UnitedHealthcare · H2802-050Offered in Illinois and Missouri
- Aetna Medicare Eagle (HMO-POS)Aetna Medicare · H2663-025Offered in Kansas and Missouri
Common questions
6 answers about this plan
What does Humana Gold Choice H8145-126 (PFFS) cover?
Humana Gold Choice H8145-126 (PFFS) is a Medicare Advantage plan that the current plan record identifies as not including Part D prescription drug coverage. The plan record does not identify Part D prescription drug coverage. Published supplemental benefits include dental ($1,750/yr preventive & comprehensive dental allowance), vision ($100/yr eyewear allowance), hearing ($575–$750 copay per hearing aid), and over-the-counter (OTC) ($60/quarter OTC allowance). Review the plan documents for covered services, limits, and rules. Coverage can change each plan year.
Learn about Medicare AdvantageHow much does Humana Gold Choice H8145-126 (PFFS) cost in 2027?
The published 2027 monthly plan premium for Humana Gold Choice H8145-126 (PFFS) is $0. Any Medicare premiums you owe are separate from the listed plan premium. The listed medical deductible is $0. The in-network medical out-of-pocket maximum is $9,850; it does not include Part D drug spending. Published visit costs include primary care $0 and specialist visits $40. These figures are plan data, not a personal yearly-cost estimate.
Can I use my current doctors with Humana Gold Choice H8145-126 (PFFS)?
CMS lists Humana Gold Choice H8145-126 (PFFS) as a PFFS plan. A network label alone does not confirm that a specific doctor participates. Use the doctor lookup tool, then confirm with the doctor's office and the plan before receiving care. Provider networks and member costs can change. Emergency care and travel coverage can follow different network rules.
Check your doctorsDoes Humana Gold Choice H8145-126 (PFFS) include prescription drug coverage?
Humana Gold Choice H8145-126 (PFFS) is listed in the current plan record as a Medicare Advantage plan without Part D prescription drug coverage. You can add a separate Part D plan to this plan. Confirm how your prescriptions will be covered before enrolling.
Browse standalone Part D plansWhat extra benefits does Humana Gold Choice H8145-126 (PFFS) offer beyond Original Medicare?
The current plan record for Humana Gold Choice H8145-126 (PFFS) lists dental ($1,750/yr preventive & comprehensive dental allowance), vision ($100/yr eyewear allowance), hearing ($575–$750 copay per hearing aid), over-the-counter (OTC) ($60/quarter OTC allowance), and meals (Meal benefit). The current data does not list fitness and transportation as offered benefits. Benefit allowances, frequency, eligibility, and participating providers can have additional limits, so review the Summary of Benefits or Evidence of Coverage for the complete rules.
When can I enroll in Humana Gold Choice H8145-126 (PFFS)?
Humana Gold Choice H8145-126 (PFFS) is a 2027 Medicare Advantage plan. The Annual Enrollment Period runs from October 15 through December 7, with changes taking effect January 1. The Medicare Advantage Open Enrollment Period runs from January 1 through March 31 for people already enrolled in Medicare Advantage. A qualifying circumstance may create a Special Enrollment Period outside those dates. Confirm the enrollment window and effective date that apply to you before changing coverage.
Review Medicare enrollment periodsPlan documents
Summary of Benefits and Evidence of Coverage
- Summary of Benefits (PDF)Download the plan's official Summary of Benefits document
- Evidence of Coverage (PDF)Complete plan details and rules
- Check Your DoctorsSee if your doctors accept this plan
- Documentos en españolLlame a The Pocket Protector al 1-866-764-3312 (TTY: 711) para recibir ayuda con documentos en español
Enter your ZIP code to see how you can enroll
Enrollment options depend on where you live. Enter your ZIP code so we can show the right ways to enroll in this plan.
