2023 Medicare Passport® Advantage PPO

Plan Highlights

(Tier 1 / 2 / 3 / 4 / 5)





Days 1-6: $250 per day (IN) / 40% coinsurance (OON). Additional days: $0 (IN) / 40% coinsurance (OON). Unlimited days for Medicare covered stays (IN). ($1,925 Annual Member Copay Maximum) (IN).


In-Network and Out-Of-Network. $150 deductible on tiers 3, 4 & 5 only. $0/$15/$47/40%/30% to initial coverage limit of $4,660.

Plan Details

Monthly Premium


Plan Premium with Full 100% Low Income Subsidy (LIS)


Part D Prescription Benefit Tier 1 / 2 / 3 / 4 / 5

In-Network and Out-Of-Network $150 deductible on tiers 3, 4 & 5 only. $0/$15/$47/40%/30% to initial coverage limit of $4,660.

Primary Copay

$0 (IN) / 40% coinsurance (OON)

Specialty Copay

$35 (IN) / 40% coinsurance (OON)

Preventive Services

$0 (IN) / 40% coinsurance (OON)

Inpatient Hospital Copay

Days 1-6: $250 per day (IN) / 40% coinsurance (OON). Additional days: $0 (IN) / 40% coinsurance (OON). Unlimited days for Medicare covered stays (IN). ($1,925 Annual Member Copay Maximum) (IN).

Worldwide Emergency / Urgent Care*

$95 In-Network and Out-Of-Network / $60 In-Network and Out-Of-Network

Lab Copay**

$0 (IN) / 40% coinsurance (OON)

General X-ray / Advanced Radiology Copay

$40 (IN) / 40% coinsurance (OON) / $150 (IN) / 40% coinsurance (OON)

Wellness Benefits†

Over-the-Counter (OTC)***

$25 per quarter

SilverSneakers® Fitness Benefit (from a participating facility that offers SilverSneakers)

$0 copayment (memberships will not roll over from 2022 to 2023 or 2023 to 2024. Memberships will restart on January 1st of each year).

Vision (from a network provider)

$0 (IN) / $65 (OON) for routine eye exam. $200 allowance for routine eyewear (IN) and (OON) combined. $0 (IN) for diabetic retinopathy exam for diabetics. $0 (IN) for Ophthalmologist too.

Dental (from a network provider)

$0 copay (IN)(OON) for preventive dental: Two routine cleanings, exams, fluoride treatments and bitewing X-rays per calendar year. One full-mouth series every 36 months. Optional supplemental dental: 2 options offered for additional premium billed separately.  Option 1: $24 per month premium, $750 every 3 months - Jan, April, July, Oct. $3,000 max limit, $0 deductible, 50% coinsurance.  Option 2: $40 per month premium, $1,000 every 3 months - Jan, April, July, Oct.  $4,000 max limit, $0 deductible, 50% coinsurance.

Hearing Aid Benefit (from a network provider)

$45 hearing aid evaluation exam (IN). Member pays: $499 - $2,199 (per ear) for hearing aid devices (IN). The cost for hearing aids without coverage is $2,445 - $3,125 per ear.

Enhanced Annual Wellness Visit (EAV)

$0 (IN)

Telemedicine (with a Teladoc® provider)

$25 copay per session (IN).  Speak with a doctor anytime, anywhere by phone or online.

These benefits will help members with diabetes manage their special needs, live healthier and save money. Learn More

All of our Medicare Advantage plans come with additional benefits to help you maintain an active, healthy lifestyle. Learn More


* $10,000 annual maximum plan limit for emergency care, urgent care or ambulance outside the USA and its territories.

** Member pays 20% (IN) or 40% (OON) of the cost of genetic testing.

***Allowance is made available by quarter. Allowance carries over quarter to quarter, but does not carry over plan year to plan year. Costs over the allowed amount are the member’s responsibility. This benefit can only be used for covered items through NationsOTC.®

† Limitations, copayments and restrictions may apply. Applicable copays may apply for these benefits. Member must use in-network providers to take advantage of these benefits (excluding Independent Health’s Medicare Passport Advantage PPO plan or Independent Health’s Medicare Passport Prime PPO plan). Must see a Start Hearing network provider to use the hearing aid benefit.

Benefits vary by plan and some plans do not include coverage for these benefits. Benefits, premiums, rewards and/or copayments may change on January 1 of each year. This information is not a complete description of benefits. Call (716) 250-4401 or 1-800-665-1502 (TTY users call 711) for more information.

Out-of-network/non-contracted providers are under no obligation to treat Independent Health members, except in emergency situations. Please call our customer service number or see your Evidence of Coverage for more information, including the cost sharing that applies to out-of-network services.

IN = In-Network, OON = Out-of-Network

Last Updated 1/3/2023