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Helping You Get and Stay Healthy


Our Medicare Advantage plans come with additional benefits to help you maintain an active, healthy lifestyle. It's just another reason why more people choose us for their Medicare Advantage coverage than any other plan in Western New York.*

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New! Quarterly Over-the-Counter (OTC) Allowance

Most of our plans come with a brand-new over-the-counter quarterly allowance you can use toward brand-name and generic wellness essentials like vitamins, pain relievers, dental supplies and more!**  Please note that this benefit does not begin until January 1, 2022.

Premier Wellness Package***

At Independent Health, we’re always looking for new ways to offer more value with every plan. We know that helping you maintain a healthy lifestyle includes ways that go above and beyond Medicare coverage. That’s why we developed this package of benefits and services that’s included with every individual Medicare Advantage plan we offer.

New! Independent Health’s Medicare Rewards Program

You can earn rewards for getting your preventive health services. When you complete a preventive service, you will earn reward dollars that can be used through NationsOTC® toward the purchase of a variety of over-the-counter or grocery items, Apple® products and more! Please note that this benefit does not begin until January 1, 2022.

Optional Supplemental Comprehensive Dental Benefit

In addition to your preventive dental benefit, you have the option of adding this comprehensive dental coverage, which includes periodontal cleanings, root canals, dentures and more through a Healthplex dental provider.

Learn More

Enhanced Diabetes Benefits

We understand that people living with diabetes have unique needs in the day-to-day management of their condition and their health. That’s why Independent Health continues to work hard to help our members with diabetes manage their special needs, live healthier and save money.

Learn more about 2022 benefits

All WNY hospitals and pharmacies

For your convenience, all hospitals and pharmacies across the WNY region are included in our network. Please Note: Our Medicare Passport® Advantage PPO plan has a special network of providers for in-network services. Contact a RedShirt for details.

Worldwide emergency room and urgent care coverage

Our benefits include worldwide urgent care coverage at urgent care centers or walk-in clinics in addition to our worldwide emergency room care. So if you ever get sick or have an emergency outside of WNY, rest assured the care you need is covered with all of our plans.

$0 preventive services

Staying up to date with your preventive care is key to maintaining and improving your health and well-being. That’s why we cover a long list of preventive services at no cost to you; including a colonoscopy, mammogram, immunizations and an annual well visit with your doctor.


Independent Health is a Medicare Advantage organization with a Medicare contract offering HMO, HMO-SNP, HMO-POS and PPO plans. Enrollment in Independent Health depends on contract renewal.

*Per CMS WNY Enrollment data 9/20.

**Allowance is made available by quarter. Allowance does not carry over quarter to quarter or 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.® Excludes Independent Health’s Encompass 65® Edge HMO plan.

***Applicable copays may apply for these benefits. Member must use network providers in order to take advantage of these benefits. Refer to the Evidence of Coverage for complete details. Benefits vary by plan.

†Separate office visit copays may apply. Not all preventive services are medically appropriate every year. Independent Health uses the frequency guidelines adopted by CMS and the U.S. Preventive Services Task Force.

Last Updated 10/1/2023