Humana Gold PFFS: Features, Cost & Benefits

Humana Gold PFFS is a type of Medicare Advantage plan offered by the health insurance company Humana. PFFS stands for Private Fee-for-Service, which means that the plan determines the amount that it will pay healthcare providers for services, rather than following the Medicare fee schedule.

In this article, we will explore the features of Humana Gold PFFS, including its benefits, costs, and coverage options.

Benefits of Humana Gold PFFS

Humana Gold PFFS offers several benefits that are not available with Original Medicare. Some of the key benefits include:

1. Comprehensive Coverage: Humana Gold PFFS covers all the benefits of Original Medicare, including hospitalization, doctor visits, and prescription drug coverage.
2. Additional Benefits: In addition to the basic coverage, Humana Gold PFFS may offer additional benefits such as dental, vision, and hearing coverage.
3. Network Flexibility: Humana Gold PFFS does not require a network, which means that you can see any healthcare provider that accepts the plan’s terms and conditions.
4. Maximum Out-of-Pocket Limit: Humana Gold PFFS has a maximum out-of-pocket limit, which means that once you have reached this limit, the plan will cover all your healthcare expenses for the rest of the year.

Costs of Humana Gold PFFS

The costs of Humana Gold PFFS will vary depending on the plan you choose and where you live. Some of the costs to consider include:

1. Monthly Premium: Humana Gold PFFS may have a monthly premium that you need to pay in addition to your Medicare Part B premium.
2. Deductibles: The plan may have an annual deductible that you need to meet before the plan begins covering your healthcare expenses.
3. Copayments and Coinsurance: Humana Gold PFFS may require you to pay copayments or coinsurance for certain healthcare services.
4. Drug Coverage: If you choose a plan that includes prescription drug coverage, you may need to pay a monthly premium and copayments for your medications.

Coverage Options for Humana Gold PFFS

Humana Gold PFFS offers several coverage options that you can choose from based on your healthcare needs. Some of the coverage options include:

1. Medical Coverage Only: This plan includes medical coverage, but does not include prescription drug coverage.
2. Medical and Prescription Drug Coverage: This plan includes both medical and prescription drug coverage.
3. Medical and Additional Coverage: This plan includes medical coverage, as well as additional benefits such as dental, vision, and hearing coverage.
4. Medical, Prescription Drug, and Additional Coverage: This plan includes medical coverage, prescription drug coverage, and additional benefits.

Conclusion

Humana Gold PFFS is a Medicare Advantage plan offered by Humana that provides comprehensive healthcare coverage, additional benefits, and network flexibility. The costs of the plan will vary depending on the coverage options you choose and where you live. If you are considering Humana Gold PFFS, it is important to compare the plan’s benefits and costs with other Medicare Advantage plans to determine which plan is best for you.