Skip to main content

Individuals & Families

Individuals & Families
Dollar icon Pay Bill
SEARCH SITE

2026 Medicare Family Choice® HMO I-SNP Plan

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

$58.80

PRIMARY/SPECIALTY COPAY
(In-Network)

Tier A: $0/$0

Tier B: $20/$50

INPATIENT HOSPITAL COPAY
(In-Network)

Tier A: $200 copay per admission. Unlimited Days for Medicare covered stays. ($600 Annual Member Copay Maximum).

Tier B: $550 copay per admission. Unlimited Days for Medicare covered stays. ($2,200 Annual Member Copay Maximum).

PART D PRESCRIPTION BENEFIT

No deductible. $2/$10/$37/40%/33% to out-of-pocket maximum of $2,100.

PLEASE NOTE: As of Jan. 1, 2026, Roswell Park Comprehensive Cancer Center and its community network practices will not be participating providers in this plan. Also, currently for 2026 there are no providers included in Tier B. For the most up-to-date list of participating providers and tier information, view our Provider Directory. For full cost sharing and benefit information, view the Evidence of Coverage.

Plan Details

If you reside in a participating nursing home or an assisted living facility, or are caring for someone who does, and want an extra level of care to address special needs you may be interested in this Medicare Advantage plan.

What extra level of care do plan members receive?

  • Specially Trained Nurse Practitioners/Physician Assistants
  • Provide regular, frequent visits to the member; available 24 hours a day, 7 days a week.
  • Care Coordinators
    Work with nursing homes, physicians and hospitals to schedule specialist office visits, and coordinate transportation when authorized.
  • Family Choice Social Workers
    Available to help members and their families with difficult issues, access necessary resources and discuss care options.

Eligibility Requirements
To be eligible, it’s important that you meet all of the following criteria:

  • Reside in an affiliated facility located in Western New York, and not live outside the affiliated facility for more than 30 days.
  • Reside as a permanent resident in an affiliated nursing home or assisted living facility or otherwise qualify for an institutional level of care under New York State regulation.
  • Must be entitled or enrolled in Medicare Parts A and B.

NOTE: Members must continue to pay any required Medicare premiums. Enrollment into Independent Health’s Family Choice HMO-SNP plan will automatically disenroll a person from any other Medicare Advantage plan.

For more information or to enroll
Speak with an Independent Health Medicare Family Choice HMO-SNP plan representative today at:
(716) 635-4900 or 1-800-958-4405 (TTY users call 711):
October 1 – March 31: Monday – Sunday, 8 a.m. – 8 p.m.
April 1 – September 30: Monday – Friday, 8 a.m. – 8 p.m.

Monthly Premium

$58.80

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

$0

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

No deductible. $2/$10/$37/40%/33% to out-of-pocket maximum of $2,100.

Primary Copay

Tier A: $0

Tier B: $20

Specialty Copay

Tier A: $0

Tier B: $50

Preventive Services

$0

Inpatient Hospital Copay

Tier A: $200 copay per admission. Unlimited Days for Medicare covered stays. ($600 Annual Member Copay Maximum).

Tier B: $550 copay per admission. Unlimited Days for Medicare covered stays. ($2,200 Annual Member Copay Maximum).

Worldwide Emergency / Urgent Care**

$50 / $0

Lab Copay*

$0

General X-ray / Advanced Radiology Copay

10% coinsurance / TIer A: $50, Tier B: $550

Non-Emergency Transportation (from a network provider)

$0 copay for 36 one-way trips to plan-approved locations (30-mile limit per trip).

Over-the-Counter (OTC)***

$120 per quarter

Hearing Aid Benefit (from a network provider)

$45 hearing aid evaluation exam. Member pays $0 copay for hearing aids. $1,000 benefit allowance per hearing aid device on Select/Low/Economy models. 

Disclaimers

This plan is available to anyone with Medicare who meets the Skilled Nursing Facility (SNF) level of care requirement and resides in a participating nursing home for 90 days or more. Or, members must qualify for an institutional level of care as defined by the state of New York. Must be a resident of a participating assisted living facility located in Western New York, and not live outside the affiliated facility for more than 30 days.

This plan requires the use of participating providers, except in the case of emergency care, urgent care or out of area renal dialysis. 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.

* Member pays 20% for genetic testing.

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

***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.®

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

Independent Health has been approved by the National Committee for Quality Assurance (NCQA) to operate as a Special Needs Plan (SNP) until December 31, 2026 based on a review of Independent Health’s Model of Care.

Y0042_C7173
Last Updated 10/1/2025

© Independent Health Association, Inc.

Facebook logo  Twitter logo

Our website uses cookies and data collection to enhance your experience, analyze website performance, and enable functionality. By remaining on our site you are providing consent to our use of cookies. For additional information view our policy.

I agree