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Written by David Bynon [3], Medicare Analyst since 2012.  Last updated April 28, 2025

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Medicare Advantage
 » 
Illinois
 » 
Mason County
 » 
Humana Gold Choice H8145-006

Humana Gold Choice H8145-006 (PFFS) – H8145-006-0

⭐  Rating : CMS uses a 5-star system to rate Medicare Advantage plans based on quality, member experience, and service. ☆☆☆☆☆ (4 out of 5 stars from CMS)*
Humana logo, a registered trademark of Humana
Premium: Monthly premium you pay in addition to your Medicare Part B premium. 38.00/mo + Part B premium
Deductible: The amount you must pay before your health plan coverage begins. Does not include the prescription plan deductible, if any. $0.00
MOOP: Maximum Out-of-Pocket cost for in-network services per year. $7,000.00 /yr
Giveback: Monthly credit applied toward your Part B premium, if applicable. $0.00/mo
Prescriptions: Summary of drug plan coverage and deductible. Enhanced, $590.00 deductible
Availability: County or region where this plan is offered. See List
Supplemental: Common additional benefits offered, including dental, vision, and hearing. Vision, Hearing
Insured by: The organization marketing the plan. Click for contact details. Humana

This page outlines coverage, cost, and availability for Humana’s H8145-006-0 Medicare Advantage plan for 2025.

Is Humana Gold Choice H8145-006 (PFFS) not the plan you want? See all Medicare Advantage Plans in Mason County, Illinois.
* Every year, the Centers for Medicare & Medicaid Services (CMS) evaluates plans based on a 5-star rating system. The Humana logo is a registered trademark. [2] Its use by MedicareWire is strictly for editorial purposes. This is not a solicitation of insurance.

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Health Plan Costs

💰 Monthly Premium, Deductible, Max Out-of-Pocket & Giveback

Monthly Premium: The total monthly premium is $38.00, including drug coverage. You must also pay your standard Medicare Part B premium.

Health Plan Deductible: Some health plans have a deductible (amount you pay before cost-sharing begins). This plan's deductible is $0.00.

Maximum Out-of-Pocket: All Medicare Advantage plans have an annual maximum out-of-pocket (MOOP) limit. This is the most you will pay for standard health services in a year before that plan begins paying all costs. This plan's MOOP is $7,000.00 for in-network services, excluding the cost of your Part D medications.

Part B Giveback: This plan offers a Part B premium giveback of $0.00.

Health Plan Out-of-Pocket Costs

🩺 Doctor’s Office Visits
  • Primary: $0 Copay
  • Specialist: $55 Copay
  • NOTE: Certain preventive services are covered 100% by the plan as a Part B benefit.
🏥 Emergency, Urgent, and Inpatient Hospital Coverage
  • Emergency room care: $110 Copay
  • Urgent care: $45 Copay
  • Ground ambulance: $315 Copay
  • Inpatient hospital care: $230.00 per day for days 1 through 7
    $0.00 per day for days 8 and beyond
  • Skilled Nursing Facility: $0.00 per day for days 1 through 20
    $203.00 per day for days 21 and beyond
🦶 Foot Care
  • Foot Exams and Treatments (Medicare-covered): $55 Copay
  • Routine Foot Care: Not Covered
💆 Chiropractic Care
  • Medicare-covered chiropractic: $15 Copay
  • Routine chiropractic: Not Covered
🧠 Mental Health Services
  • Outpatient individual therapy: $45 Copay
  • Outpatient group therapy: $45 Copay
  • Inpatient psychiatric hospital care: $230.00 per day for days 1 through 7
    $0.00 per day for days 8 and beyond
🏋️ Rehabilitation Services
  • Physical therapy and speech and language therapy: $35 Copay
  • Occupational therapy: $35 Copay
🧰 Medical Equipment and Supplies
  • Diabetes supplies: 10% Coinsurance
  • Durable medical equipment: 20% Coinsurance
  • Prosthetics: 20% Coinsurance
🔬 Diagnostics, Lab Services, and Imaging
  • Diagnostic radiology services: 20% Coinsurance
  • Lab services: $55 Copay
  • Outpatient x-rays: $150 Copay
  • Diagnostic tests and procedures: $95 Copay
💉 Medicare Part B Drugs
  • Chemotherapy: 20% Coinsurance
  • Other Part B drugs (Medicare-covered): 20% Coinsurance

Supplemental Benefits

🦷 Dental Services
  • Medicare Covered Preventive Dental: $55 Copay
  • Oral exam: $0 Copay
  • Dental x-rays: $0 Copay
  • Cleaning: $0 Copay
  • Periodontics: Not Covered
  • Endodontics: Not Covered
  • Restorative Services: Not Covered
  • Maximum dental benefit
    $3,000.00 (Every year)
👂 Hearing Aids and Services
  • Fitting/evaluation: Covered
    Limits may apply
  • Hearing aids: Not Covered
  • Hearing exam: Covered
    Limits may apply
👓 Vision Services
  • Medicare-covered eye exam: $ to $55 Copay
  • Routine eye exam: $0 Copay
    1 Every year
  • Eyewear benefits: None
Do you have questions about costs in this plan? Call 1-855-728-0510 (TTY 711) to speak with a licensed insurance agent and learn more about this plan and other plans on this site (Mon-Fri 5am-6pm, Sat 6am-5pm PT).

Prescription Drug Costs & Benefits

Humana Gold Choice H8145-006 includes enhanced benefit Medicare Part D. Enhanced benefits offer greater coverage than basic, typically providing lower cost-sharing, broader drug coverage, and additional benefits, such as covering drugs not included in the standard formulary. These plans usually have higher premiums due to the extra coverage and flexibility they provide, but they cover a larger percentage of overall drug costs.

As of 2023, approximately 75% of people on Medicare are enrolled in enhanced plans.

Prescription Drug Costs & Benefits

📦 This plan’s prescription drug deductible is $590.00.

You’ll need to pay this amount before Humana begins helping with drug costs.

📊 See what you’ll pay for covered prescriptions by tier and pharmacy type.
Part D Drug Costs by Tier
Drug Tier Retail Pharmacy Mail Order
Preferred Generic*$6.00$10.00
Generic*$15.00$20.00
Preferred Brand$47.00$47.00
Non-Preferred Drug50.00%50.00%
Specialty Tier25.00%25.00%
* Not all tiers apply to the deductible. See the formulary for full details.

Drug tiers group medications by type and cost. Tier 1 has the lowest-cost generics, and Tier 5 includes specialty drugs.

View the plan’s complete formulary drug list (opens in a new browser tab).

💡 Learn how Extra Help could lower your drug costs.

If you qualify for the Social Security Extra Help program, your Part D premium may be reduced.

Extra Help Premium Breakdown
Low Income Premium Subsidy: ${part_d_lips_amount}
Amount Paid by CMS: $26.90
Your Adjusted Premium: $0.00

Learn more at the Social Security Extra Help program .

CMS 5-Star Rating Marks

Each year the Centers for Medicare & Medicaid Services (CMS) rates health plans (Part C) and drug plans (Part D) in several major categories using a 5-star rating system. These ratings are designed to help you understand the quality of care and service you can expect if you join Humana Gold Choice H8145-006.

CMS Ratings Breakdown – 2025

Health Plan Ratings

  • ☆☆☆☆☆
    Staying Healthy Includes screenings, tests, and vaccines to keep you well.
  • ☆☆☆☆☆
    Managing Chronic Conditions How well the plan helps members manage long-term health issues.
  • ☆☆☆☆☆
    Member Experience with Health Plan Reflects what members say about their health plan experience.
  • ☆☆☆☆☆
    Complaints and Changes in Plan Performance Tracks complaints and year-over-year performance changes.
  • ☆☆☆☆☆
    Health Plan Customer Service How well the plan handles appeals and customer help.

Drug Plan Ratings

  • ☆☆☆☆☆
    Drug Plan Customer Service Service quality specific to the Part D drug plan.
  • ☆☆☆☆☆
    Complaints and Changes in the Drug Plan How well the drug plan resolves issues and maintains quality.
  • ☆☆☆☆☆
    Member Experience with Drug Plan Satisfaction with drug coverage and related services.
  • ☆☆☆☆☆
    Drug Safety & Pricing Accuracy How accurate the plan is with pricing and safe medication practices.

* CMS uses a 5-star rating system to evaluate Medicare Advantage and Part D plans each year. Learn more at Medicare.gov.

Plan Availability

Humana Gold Choice H8145-006 (H8145-006-0) is available in the following locations (click to open):

Bond
Boone
Bureau
Clark
Clinton
Cook
Crawford
De Witt
Douglas
Edwards
Gallatin
Greene
Grundy
Hardin
Iroquois
Jo Daviess
Johnson
Kane
Kankakee
Kendall
Knox
LaSalle
Lawrence
Lee
Logan
Madison
Mason
McHenry
McLean
Montgomery
Ogle
Peoria
Pike
Pope
Richland
Rock Island
Sangamon
Schuyler
St. Clair
Stephenson
Tazewell
Union
Wabash
Washington
Wayne
White
Winnebago
Adams
Audubon
Buena Vista
Calhoun
Carroll
Cherokee
Dickinson
Emmet
Harrison
Ida
Louisa
Lyon
Pocahontas
Sac
Sioux
Van Buren
Webster
Chase
Jewell
Mitchell
Norton
Phillips
Riley
Smith
Allegan
Antrim
Barry
Berrien
Cass
Delta
Eaton
Hillsdale
Houghton
Kalamazoo
Kalkaska
Kent
Lenawee
Marquette
Menominee
Montcalm
Muskegon
Ottawa
Shiawassee
St. Joseph
Wexford
Blue Earth
Brown
Dodge
Faribault
Fillmore
Freeborn
Goodhue
Houston
Martin
Mower
Nicollet
Olmsted
Rice
Sibley
Steele
Waseca
Winona
Atchison
Benton
Bollinger
Butler
Callaway
Camden
Carter
Cedar
Chariton
Christian
Clay
Cole
Dade
Dallas
DeKalb
Henry
Hickory
Holt
Jackson
Jasper
Jefferson
Laclede
Lewis
Macon
Marion
Mercer
Miller
Mississippi
Newton
Ozark
Pemiscot
Perry
Phelps
Platte
Polk
Pulaski
Ralls
Reynolds
St. Charles
St. Louis
St. Louis
Stoddard
Stone
Taney
Vernon
Wright
Carbon
Cascade
Chouteau
Flathead
Judith Basin
Lincoln
Pondera
Ravalli
Rosebud
Silver Bow
Teton
Burleigh
Atoka
Choctaw
McCurtain
Davison
Hanson
Yankton
Dane
Eau Claire
Fond du Lac
Forest
Green Lake
Juneau
Kenosha
Lafayette
Langlade
Manitowoc
Marathon
Milwaukee
Oneida
Outagamie
Ozaukee
Racine
Sauk
Shawano
Sheboygan
Trempealeau
Vilas
Walworth
Waukesha
Waupaca

Need Help Enrolling?

Call 1-855-728-0510 (TTY 711) to speak with a licensed insurance agent and learn more about this plan and others on this site.

Or enroll online through our trusted and secure platform:

🚀 Enroll Online Now

Clicking this button will open MedicareEnrollment.com (powered by HealthCompare Insurance Services) and the official Humana plan page.

📄 View Humana Contact Information
Helpful Links and Contact Information for Humana
Website: Humana Plan Page (opens in new tab)
Providers: Humana Providers Page (opens in new tab)
Formulary: Humana Formulary Page (opens in new tab)
Pharmacy: Humana Pharmacy Page (opens in new tab)
New Member Health Plan Help: (800)833-2364
New Member Health Plan TTY: 711
New Member Part D Help: (800)833-2364
New Member Part D TTY Users: 711

🔍 Why This Information Matters

Many Medicare websites only show you their own phone numbers and redirect you to their sales team. We believe you deserve full access to your plan resources — including direct links to the official Humana site, provider directories, and support contacts.

That’s why we include this information here, clearly and transparently — so you can research and enroll with confidence.

🛡️ Official Medicare Enrollment Resources

If you qualify for Medicare benefits but have not yet enrolled or verified your enrollment status, you can do so on the Social Security Administration website. You can learn more about the Medicare Part C program on www.medicare.gov or call 1-800-MEDICARE.

Frequently Asked Questions

📘 What does Medicare plan code H8145 006 mean?

Humana Gold Choice H8145-006 is a Medicare Advantage plan by Humana. The code H8145 is the CMS contract ID, whereas 006 is its plan ID.

  • Plan Name: Humana Gold Choice H8145-006
  • Plan Type: PFFS
  • Premium: $38.00/mo + your monthly Part B premium
  • Out-of-Pocket Max: $7,000.00 (in-network)
  • Drug Coverage: Includes Medicare Part D prescription drug coverage with tiered cost sharing.
  • CMS Star Rating: 4 out of 5
  • Contract Year: 2025

This information is based on official CMS data and is provided for educational purposes. Always review your plan’s official documents or contact the provider directly before making enrollment decisions.

📋 What type of plan is H8145 006?

This plan is a PFFS — specifically, it's an PFFS plan with a Medicare Advantage contract that's offered by Humana. It comes with defined provider network rules you should be aware of.

  • Plan Marketing Name: Humana Gold Choice H8145-006
  • Network Type: Private Fee-for-Service plan with provider agreement flexibility
  • Referral Requirement: Referrals are not required, but provider acceptance rules apply. Review the coverage section above for access specifics.
  • Prescription Coverage: Includes Medicare Part D prescription drug coverage with tiered cost sharing.

Plan types like HMOs and PPOs determine whether you can go out-of-network or need referrals to see specialists.

📦 What benefits are included in H8145 006?

This plan covers all Medicare Part A and Part B services. Depending on the plan, it may also include valuable extras like dental, vision, and hearing benefits.

  • Medical Services: Hospital, doctor visits, preventive care
  • Prescription Drugs: Enhanced, $590.00 deductible
  • Dental: No — this plan does not include dental benefits.
  • Vision: Yes — vision benefits are included. Review the vision section above for copay and limit details.
  • Hearing: Yes — hearing benefits are included. See the coverage details above to learn what services are covered.

Benefit availability may vary by location and plan version. Confirm specific details in your plan's Evidence of Coverage (EOC).

📌 Additional Plan Options

Additional Plan Options

The Medicare Part C program offers a myriad of HMO, PPO, and PFFS plan options, including these plans:

  1. Humana Gold Choice H8145-084 (PFFS)
  2. Humana Gold Choice H8145-163 (PFFS)
  3. Humana Gold Choice H8145-164 (PFFS)
  4. Humana Gold Choice H8145-042 (PFFS)
  5. Humana Gold Choice H8145-055 (PFFS)
  6. Humana Gold Choice H8145-004 (PFFS)
  7. Humana Gold Choice H8145-032 (PFFS)

If you are enrolled in a Part C plan with prescription drug coverage, you cannot be enrolled in a stand-alone Medicare Part D plan, regardless of your chosen insurance company.

You cannot be enrolled in a Part C health plan and simultaneously hold Medicare Supplement Insurance (Medigap). Medicare Supplement plans are only compatible with Medicare Parts A and B.

📚 Citations & Research

Citations & References

  • Humana, http://www.humana.com/medicare, Last Accessed March 1, 2025
  • Medicare.gov, "Understanding Medicare Advantage Plans", Last Accessed January 21, 2024
  • Medicare.gov, "Compare Original Medicare & Medicare Advantage", Last Accessed February 19, 2024
  • Medicare.gov, "Medicare & You in Different Formats", Last Accessed February 19, 2024
  • Medicare.gov, "Is Your Test, Item, or Service Covered?", Last Accessed March 19, 2025
  • CMS.gov, Landscape Source Files, Last Accessed March 15, 2025
  • CMS.gov, Medicare Part C & D Performance, Last Accessed March 15, 2025
  • CMS.gov, Plan Benefits Package, Last Accessed March 15, 2025

Research Note: This content is based on independent analysis of CMS data by David Bynon, Medicare analyst and founder of MedicareWire.

For details on how this plan was analyzed and constructed using CMS data, see our Medicare Plan Research Methodology.

Disclaimer: MedicareWire does not endorse or rank Medicare plans. Plan information is provided for educational and research purposes only and may not reflect the most current data available from CMS or the plan provider.

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[1]Affiliate and Sales Agent Disclosure

Many of the plans featured on MedicareWire are offered through our trusted partner, HealthCompare Insurance Services, Inc., a licensed sales agency. HealthCompare may compensate us if you enroll in a plan through their services. Online enrollment services are provided by MedicareEnrollment.com, a HealthCompare affiliate.

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[3]About the Author

David Bynon is a Medicare analyst, published author, and U.S. Navy veteran with over 40 years of experience in cryptology, cybersecurity, and healthcare systems. Since founding MedicareWire in 2012, he has provided unbiased, data-driven Medicare plan research to assist seniors in making informed decisions.

Previously, David served as Vice President of Global Systems at Sony Pictures Entertainment and Director of Systems and Networks at HealthNet, focusing on secure HMO and Medicare infrastructures. His military career includes serving as Command Chief at TACRON-11, earning multiple Navy Commendation Medals and other commendations.

Connect with David on LinkedIn or view his Amazon Author Profile. His latest book, Why Medicare Advantage Plans Are Bad, is available on Amazon.

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