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2025 Benefits at a Glance
Review Independent Health’s 2025 Medicare Advantage Plans with our 2025 Benefits at a Glance tool. Learn More
Need help deciding?
Chat with one of our RedShirts to learn about the plans and care we offer.
2025 Benefits at a Glance
Review Independent Health’s 2025 Medicare Advantage Plans with our 2025 Benefits at a Glance tool. Learn More
Quick Links
Need help deciding?
Chat with one of our RedShirts to learn about the plans and care we offer.
Independent Health's
2025 Encompass 65® Direct 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
$0
PRIMARY/SPECIALTY COPAY (In-Network)
$0/$35
INPATIENT HOSPITAL COPAY (In-Network)
Days 1-6: $325 per day. Additional days: $0. Unlimited Days for Medicare covered stays. ($1,950 Annual Member Copay Maximum).
PART D PRESCRIPTION BENEFIT
$450 deductible on tiers 3, 4 & 5 only. $0/$20/$47/50%/27% to out-of-pocket maximum of $2,000.
Independent Health's
2025 Encompass 65® Core 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
$73
PRIMARY/SPECIALTY COPAY (In-Network)
$0/$30
INPATIENT HOSPITAL COPAY (In-Network)
Days 1-6: $275 per day. Additional days: $0. Unlimited Days for Medicare covered stays. ($1,650 Annual Member Copay Maximum).
PART D PRESCRIPTION BENEFIT
$350 deductible on tiers 3, 4 & 5 only. $0/$15/$42/50%/28% to out-of-pocket maximum of $2,000.
Independent Health's
2025 Encompass 65® Basic 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
$134
PRIMARY/SPECIALTY COPAY (In-Network)
$0/$20
INPATIENT HOSPITAL COPAY (In-Network)
Days 1-6: $250 per day. Additional days: $0. Unlimited Days for Medicare covered stays. ($1,500 Annual Member Copay Maximum).
PART D PRESCRIPTION BENEFIT
$250 deductible on tiers 3, 4 and 5. $0/$13/$42/50%/30% to out-pocket limit of $2,000.
Independent Health's
2025 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 $20 per month toward your Part B premium)
PRIMARY/SPECIALTY COPAY (In-Network)
$0/$10
INPATIENT HOSPITAL COPAY (In-Network)
Days 1-5: $150 per day. Additional days: $0. Unlimited Days for Medicare covered stays. ($750 Annual Member Copay Maximum).
PART D PRESCRIPTION BENEFIT
No Part D prescription drug benefit.
Independent Health's
2025 Medicare Passport® Access 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
$19
PRIMARY/SPECIALTY COPAY (In-Network)
$0/$40
INPATIENT HOSPITAL COPAY (In-Network)
Days 1-5: $320 per day (IN) / 40% coinsurance (OON). Days 7-90: $0 (IN) / 40% coinsurance (OON). Unlimited Days for Medicare covered stays (IN). ($1,600 Annual Member Copay Maximum) (IN).
PART D PRESCRIPTION BENEFIT
In-Network and Out-Of-Network. $450 deductible on tiers 3, 4 & 5 only. $0/$20/$47/50%/27% to out-of-pocket maximum of $2,000.
Independent Health's
2025 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
$72.30
PRIMARY/SPECIALTY COPAY (In-Network)
$0/$40
INPATIENT HOSPITAL COPAY (In-Network)
Days 1-6: $325 per day (IN) / 50% coinsurance (OON). Days 7-90: $0 (IN) / 50% coinsurance (OON). Unlimited Days for Medicare covered stays (IN). ($1,950 Annual Member Copay Maximum) (IN).
PART D PRESCRIPTION BENEFIT
In-Network and Out-Of-Network. $575 deductible on all tiers. 25%/25%/25%/25%/25% to out-of-pocket maximum of $2,000.
Independent Health's
2025 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
2025 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.
Multi-Language Insert (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
Y0042_C7173
Last Updated 10/1/2024