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2024 Encompass 65® Element HMO

Plan Highlights

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





Days 1-6: $320 per day. Additional days: $0. Unlimited Days for Medicare covered stays. ($1,920 Annual Member Copay Maximum).


$150 deductible on tiers 3, 4 & 5 only. $0/$15/$47/49%/30% to initial coverage limit of $5,030.

Plan Details

Monthly Premium


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

$150 deductible on tiers 3, 4 & 5 only. $0/$15/$47/49%/30% to initial coverage limit of $5,030.

Primary Copay (including Enhanced Annual Visit)


Specialty Copay


Preventive Services


Inpatient Hospital Copay

Days 1-6: $320 per day. Additional days: $0. Unlimited Days for Medicare covered stays. ($1,920 Annual Member Copay Maximum).

Outpatient Mental Health Care Copay


Worldwide Emergency / Urgent Care*


Ambulance Copay


Lab Copay**


General X-ray / Advanced Radiology Copay

$40 / $200

Outpatient Surgery Copay

Ambulatory Surgical Center: $290

Hospital-based: $315

Skilled Nursing Facility Copay

Days 1 - 20: $0

Days 21 - 100: $203 per day

Home Health Copay


Physical, Speech, Occupational Therapy Copay


Part B Medications or Radiation Therapy Coinsurance

Part B Medications: 0% - 20%

Radiation Therapy: 20%

Annual Out-of-Pocket Maximum for Medicare Covered Services


Earn up to $100 in RedShirt Rewards for taking healthy actions!
Learn More

Wellness Benefits†

Dental (from a network provider)

$2,000 combined maximum for preventive dental and comprehensive dental.

Preventive Dental: $0 per visit for preventive dental.  Two routine cleanings, exams, fluoride treatments and bitewing X-rays per calendar year. One full-mouth series every 36 months.

Comprehensive Dental: $0 deductible, 50% coinsurance.

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 2023 to 2024 or 2024 to 2025. Memberships will restart on January 1st of each year.)

Vision (from a network provider)

$0 routine eye exam. $200 allowance for routine eyewear every year. $0 for diabetic retinopathy exam for diabetics. $0 for Ophthalmologist too.

Hearing Aid Benefit (from a network provider)

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

Telemedicine (with a Teladoc® provider)

$25 copay per session.  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

Chiropractic Services Copay

$15 for Chiropractic evaluation, management and Medicare covered services

All of our Medicare Advantage plans come with additional wellness 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% of the cost of genetic testing.

***Allowance is made available by quarter. Allowance carries over quarter to quarter, however 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.

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

Last Updated 10/1/2023