Health Reform Education

Health Reform Education

As the Affordable Health Care Act continues to evolve, we understand that you may have questions about health coverage options, tax credits and changes that have happened since first being signed into law. Below are some frequently asked questions, which include links to dependable resources and tools that we recommend you use to help you learn more.

What to Consider When Choosing a Plan

With the addition of the New York State of Health marketplace, we understand that you have more options than ever. Since not all health care plans are the same, it makes sense to understand exactly what you’re getting in order to make a well-informed decision, and ensure you choose the plan that will provide the best value for your health care dollar.

We’re excited to offer the following value-added benefits on many of our plans – on and off the Marketplace – to help our members become more engaged in their health, and provide them with savings for doing so. Check the summary of benefits associated with the plan you are considering to see if these unique benefits are being offered to you:

Nutrition Benefit: Members have the opportunity to get money-back rewards on fresh fruits and vegetables! For every $2 they spend on fresh fruits and vegetables at TOPS Friendly Markets, they’ll receive a $1 credit back*. As an individual, they can earn up to $500, or $1,000 as a family each year!

Health Extras Benefit: This added benefit provides a $250 debit card allowance that can be used for a variety of health and wellness activities – from fitness club memberships and nutritional counseling, to children’s activities like basketball camp and gymnastics.

*Money back is in the form of store credit for future purchases. Available on select Independent Health plans. Excludes Medicare Advantage plans. Benefits vary by plan.

To help guide you in your decision process as you compare plans, it’s important to consider the following:

Trust and Reputation

With more than 35 years’ experience, Independent Health has become a leader in customer engagement and delivering solutions that improve the health of the communities we serve, while also consistently delivering high-quality, award-winning service. Our dedication to our members and our community is helping to transform our health care system, as well as the health of those living and working in Western New York. Visit our About Us page to learn more.

Physician Partnerships

With 98% of physicians in Western New York in the Independent Health network, you don’t have to worry about finding the doctors you need. Our strong physician relationships have allowed us to form partnerships and offer innovative product designs that help to improve quality, contain costs, eliminate wasteful spending and enhance efficiencies. One such collaboration is The Primary Connection – an alliance of physicians, specialist and health care professionals who are focused on delivering high-quality care. Learn more about The Primary Connection.

Community Involvement

At Independent Health, we are dedicated to helping improve the health of the Western New York (WNY) community. Our partnerships with various organizations across the area – from The YMCA, Biggest Loser, Buffalo Museum of Science, to local schools and community groups – offer a number of opportunities that allow us to promote health and wellness and get others engaged in their health. Together, we are working together to provide the education, support and tools individuals need to lead healthier lives. See what we’re up to In the Community.

Outstanding Customer Service

Independent Health is one of the highest-ranked health plans in the nation for all lines of business – Commercial, Medicare and Medicaid – according to the National Committee for Quality Assurance (NCQA). In addition, Independent Health was recognized in 2014 as one of 50 brands in the country to provide its members with the highest level of customer service, as seen in FORTUNE Magazine. And, you can always count on the RedShirts to get you the answer you need – when you need it. You’ll always get a response, not the runaround. That’s what we call the RedShirt Treatment.

Member Resources

We provide the tools and resources you need to get the most out of your health plan. Our enhanced Find a Doctor tool makes it easier to search for physicians, specialists, pharmacies, urgent care centers, and more –with the added convenience of Google maps. In addition, our member dashboard provides an at-a-glance view of your benefits to help you keep track of your health care benefits. And with our MyIH app, you can access your personal benefit information from anywhere using your smart phone! Download your MyIH app here.

Helpful Resources

Helpful Resources

  • Learn more about the basics of health care reform in our Affordable Health Care: The Basics section.
  • See some of the ways Independent Health is making it easier to be proactive about your health at
  • Watch this video to help you understand your coverage options and what you can do to prepare for the open enrollment period (November 15 – February 15).