Pay Your Premium Online
Skip the monthly hassle by enrolling in auto pay or make a one-time payment.

Put Your Mind at Ease

Independent Health protects your information with industry-leading security and fraud prevention systems. Whether you’re at home or on the go, you can pay your bill from anywhere, at any time, without worry. Read more about how we protect your privacy and information.

Enroll in Auto Pay to Enjoy These Benefits


Schedule your payments in advance


No more stamps or paper checks


Enjoy 13 months payment history


Select your own username and password


Opt in to mobile and email alerts


Let auto pay handle the rest

Medicare Members

Learn more about paying your premium payment online with answers to questions specifically for our Medicare members.

Other Payment Options

By Phone

Make a payment over the phone.
Call: (716) 631-8701 or
1-800-501-3439

Through Your Bank

Most banks offer a way to pay your monthly bills automatically from your checking account.

By Mail

Mail check or money order to:
Independent Health, Dept. 858
P.O. Box 8000
Buffalo, NY, 14267

Quick Pay

With your invoice at hand, you can pay your bill online quickly and easily.

Frequently Asked Questions

Below are categories of payment related questions.

Can a family member pay my premium bill on my behalf / for me?

Yes, as long as the family member is using their own credit / debit card or they are an authorized representative on your credit / debit card they can make payment on your behalf.

What types of payment options do I have?

Independent Health accepts cash, check/money order, Mastercard, Visa, Discover & American Express. We also allow for auto deduction from a bank account. To enroll in this option, please call Customer Service at (716) 631-8701 or 1-800-501-3439.

Why did I get a bill when I have paid my premium for the month?

It's possible your payment and the billing statement crossed in the mail. Please note the statement date and check with your banking institute to make sure payment was received prior to that.

Will I be termed if I can't pay the total cost of my monthly premium?

Yes, Premiums are due in full prior to the first day of the coverage period. If the monthly premium is not paid by the last day of the current month's coverage, your coverage can be terminated.

If termed can I be reinstated upon paying past due balances?

Unfortunately, if terminated you will have to reapply in your plan.

Is there a late charge if the premium bill is not paid on time?

Independent Health does not charge a late fee if the bill is not paid exactly on time however, please note: The Grace Period is one month (the last day of the month in which the premium bill is for) for non-APTC members, three months for those who have APTC. Retro terms are allowed for non-APTC.

For answers to questions related to payments for Medicare plans, please proceed to Medicare bill pay page.

Why is my bill for more than my monthly premium?

All premiums for this contract go out 2 months in advance to prevent termination. Bills are sent out the last week of the month prior to the 60 day window. For example, a bill with a transaction date at the end of March will be for coverage through the month of June with payment due 5/31.