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2026 Encompass 65® RED 043 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

$190

PRIMARY/SPECIALTY COPAY
(In-Network)

Tier A: $0/$25

Tier B: $20/$50

INPATIENT HOSPITAL COPAY
(In-Network)

Tier A: Days 1-6: $300 per day. Additional days: $0. Unlimited Days for Medicare covered stays. ($1,800 Annual Member Copay Maximum).

Tier B: Days 1-5: $485 per day. Additional days: $0. Unlimited Days for Medicare covered stays. ($2,425 Annual Member Copay Maximum).

PART D PRESCRIPTION BENEFIT

$50 deductible on tiers 3, 4 & 5 only. $0/$10/19%/42%/32% to out-of-pocket maximum of $2,100.

Plan Details

Monthly Premium

$190

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

$131.20

Annual Medical Deductible (on certain services)

$150

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

$50 deductible on tiers 3, 4 & 5 only. $0/$10/19%/42%/32% to out-of-pocket maximum of $2,100.

Primary Copay

Tier A: $0

Tier B: $20

Specialty Copay

Tier A: $25

Tier B: $50

Preventive Services

$0

Inpatient Hospital Copay

Tier A: Days 1-6: $300 per day. Additional days: $0. Unlimited Days for Medicare covered stays. ($1,800 Annual Member Copay Maximum).
Tier B: Days 1-5: $485 per day. Additional days: $0. Unlimited Days for Medicare covered stays. ($2,425 Annual Member Copay Maximum).

Outpatient Mental Health Care Copay

$20

Worldwide Emergency / Urgent Care*

$115$40

Ambulance Copay

Ground: $240

Personal Emergency Response System (PERS)

$0

Lab Copay**

$0

General X-ray / Advanced Radiology Copay

$30 / Tier A: $150, Tier B: $550

Outpatient Surgery

Ambulatory Surgical Center: $325

Hospital-based: Deductible, then Tier A: $375, Tier B: $550

 

Skilled Nursing Facility

Days 1 - 20: $0

Days 21 - 100: $218 per day

Home Health

$0

Physical, Speech and Occupational Therapy

$10

Part B Medications 

0% - 20%

Annual Out-of-Pocket Maximum for Medicare Covered Services

$7,000

Wellness Benefits†

Dental

$1,500 combined maximum for preventive dental and comprehensive dental.

Preventive Dental: $0 per visit with 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.

Over-the-Counter (OTC)***

$35 per quarter

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 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 Access PPO plan or 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

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Last Updated 10/1/2025