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2026 Benefits at a Glance
Review Independent Health’s 2026 Medicare Advantage Plans with our 2026 Benefits at a Glance tool. Learn More
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PLEASE NOTE:
As of Jan. 1, 2026, Roswell Park Comprehensive Cancer Center and its community network practices will not be participating providers in Independent Health’s individual Medicare Advantage plans. 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 for the plan you are interested in.
Independent Health's
2026 Encompass 65® Red 042 HMO
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.
Independent Health's
2026 Encompass 65® Red 044 HMO
MONTHLY PREMIUM
PRIMARY/SPECIALTY COPAY (In-Network)
INPATIENT HOSPITAL COPAY (In-Network)
PART D PRESCRIPTION BENEFIT
(Tier 1 / 2 / 3 / 4 / 5)
MONTHLY PREMIUM
$95
PRIMARY/SPECIALTY COPAY (In-Network)
Tier A: $0/$35
Tier B: $20/$50
INPATIENT HOSPITAL COPAY (In-Network)
$150 deductible then
Tier A: Days 1-6: $350 per day. Additional days: $0. Unlimited Days for Medicare covered stays. ($2,100 Annual Member Copay Maximum).
Tier B: Days 1-4: $600 per day. Additional days: $0. Unlimited Days for Medicare covered stays. ($2,400 Annual Member Copay Maximum)
PART D PRESCRIPTION BENEFIT
$150 deductible on tiers 3, 4 & 5 only. $0/$7/16%/39%/31% to out-of-pocket maximum of $2,100.
Independent Health's
2026 Encompass 65® Red 043 HMO
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.
Independent Health's
2026 Encompass 65® HMO (without prescription coverage)
MONTHLY PREMIUM
PRIMARY/SPECIALTY COPAY (In-Network)
INPATIENT HOSPITAL COPAY (In-Network)
PART D PRESCRIPTION BENEFIT
(Tier 1 / 2 / 3 / 4 / 5)
MONTHLY PREMIUM
$0
(Independent Health pays $11 per month toward your Part B premium)
PRIMARY/SPECIALTY COPAY (In-Network)
Tier A: $0/$10
Tier B: $20/$50
INPATIENT HOSPITAL COPAY (In-Network)
Tier A: Days 1-5: $150 per day. Additional days: $0. Unlimited Days for Medicare covered stays. ($750 Annual Member Copay Maximum).
Tier B: Days 1-5: $550 per day. Additional days: $0. Unlimited Days for Medicare covered stays. ($2,750 Annual Member Copay Maximum).
PART D PRESCRIPTION BENEFIT
No Part D prescription drug benefit.
Independent Health's
2026 Medicare Passport® Connect PPO
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/$55
Tier B: $20/$55
INPATIENT HOSPITAL COPAY (In-Network)
Tier A: Days 1-6: $375 per day (IN) / deductible then 50% coinsurance (OON). Days 7-90: $0 (IN) / deductible then 50% coinsurance (OON). Unlimited Days for Medicare covered stays (IN). ($2,250 Annual Member Copay Maximum) (IN).
Tier B: Days 1-4: $550 per day (IN) / deductible then 50% coinsurance (OON). Days 5-90: $0 (IN) / deductible then 50% coinsurance (OON). Unlimited Days for Medicare covered stays (IN). ($2,445 Annual Member Copay Maximum) (IN)
PART D PRESCRIPTION BENEFIT
In-Network and Out-Of-Network. $615 deductible on all tiers. 25%/25%/25%/25%/25% to out-of-pocket maximum of $2,100.
Independent Health's
2026 Assure Advantage® HMO C-SNP Plan
This is a chronic special needs plan (C-SNP), specifically developed for eligible Medicare beneficiaries who have been diagnosed with chronic heart failure and reside in Erie County.
Independent Health's
2026 Medicare Family Choice® HMO I-SNP Plan
This plan is specifically designed to help you stay involved with the care of your loved one living in a nursing home or an assisted living facility with the help of a coordinated care team.
Interested in our plans?
We are here to help! You can request a copy of our full sales kit to help explain the differences between each plan.
Notice of Availability of Language Assistance Services and Nondiscrimination Notice
Disclaimers
Every year, Medicare evaluates plans based on a 5-star rating system. Out-of-network/non-contracted providers are under no obligation to treat Independent Health members, except in emergency situations. Please call our customer service number or see your Evidence of Coverage for more information, including the cost sharing that applies to out-of-network services.
IN = In-Network, OON = Out-of-Network
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Last Updated 10/1/2025