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2026 Encompass 65® RED 042 HMO

Plan Highlights

MONTHLY PREMIUM
PRIMARY/SPECIALTY COPAY
(In-Network)
INPATIENT HOSPITAL COPAY
(In-Network)
PART D PRESCRIPTION BENEFIT
(Tier 1 / 2 / 3 / 4 / 5)
MONTHLY PREMIUM

$40

PRIMARY/SPECIALTY COPAY
(In-Network)

Tier A: $0/$55

Tier B: $20/$55

INPATIENT HOSPITAL COPAY
(In-Network)

$300 deductible then

Tier A: Days 1-3: $500 per day. Additional days: $0. Unlimited Days for Medicare covered stays. ($6,171 Annual Member Copay Maximum).

Tier B: Days 1-3: $743 per day. Additional days: $0. Unlimited Days for Medicare covered stays. ($6,171 Annual Member Copay Maximum)

PART D PRESCRIPTION BENEFIT

$250 deductible on tiers 3, 4 & 5 only. $0/$7/16%/37%/30% to out-of-pocket maximum of $2,100.

Plan Details

Monthly Premium

$40

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

$0

Annual Medical Deductible (on certain services)

$300

Part D Prescription Benefit Tier 1 / 2 / 3 / 4 / 5 (uses Standard formulary)

$250 deductible on tiers 3, 4 & 5 only. $0/$7/16%/37%/30% to out-of-pocket maximum of $2,100.  

Primary Copay

Tier A: $0
Tier B: $20

Specialty Copay

$55

Preventive Services

$0

Inpatient Hospital Copay

Days 1-3: Deductible then

Tier A: $500 per day
Tier B: $743 per day.

Additional days: $0. Unlimited Days for Medicare covered stays. ($6,171 Annual Member Copay Maximum).

Outpatient Mental Health Care Copay

$35

Worldwide Emergency / Urgent Care*

$115$40

Ambulance Copay

Ground: Deductible then $300

 

Lab Copay**

$0

General X-ray / Advanced Radiology Copay

$55 / Tier A: Deductible then $290, Tier B: Deductible then $600

Outpatient Surgery

Ambulatory Surgical Center: Deductible then $350

Hospital-based: Deductible then Tier A: $500, Tier B: $743

 

Skilled Nursing Facility

Deductible then:

Days 1 - 20: $0 per day

Days 21 - 100: $218 per day

Home Health

$0

Physical, Speech and Occupational Therapy

$20

Part B Medications

Deductible then 0% - 20%

 

Annual Out-of-Pocket Maximum for Medicare Covered Services

$9,250

Wellness Benefits†

Dental

$1,500 combined maximum for preventive dental and comprehensive dental in-network and out-of-network.

Preventive Dental: $0 per visit to a Liberty Dental provider 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: 50% coinsurance with a Liberty Dental provider.

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

$0 copayment (Memberships will not roll over from 2025 to 2026 or 2026 to 2027. Memberships will restart on January 1st of each year.)

Vision (from a network provider)

$0 routine eye exam. $200 allowance for routine eyewear. 

Hearing Aid Benefit (from a network provider)

$45 hearing aid evaluation exam. $250 allowance per ear for hearing aids.  Member pays: $499 - $1,949 price per hearing aid. 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.  Behavioral Health is covered at $0 copay.

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

Disclaimers

* $10,000 maximum per occurrence for emergency care, urgent care or ambulance outside the USA and its territories.

** Member pays deductible then 20% of the cost of genetic testing.

† 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 Connect 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

Y0042_C7173
Last Updated 10/1/2025