Independent Health's Encompass 65 RED 042 (HMO)
Available to residents of Genesee County, NY for 2026. Contract H3362, plan 042, segment 0.
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- Plan health benefits
- Benefits in plain text
- Rx cost-sharing for all pharmacies and tiers
- Other plans in Genesee County
- Plan website
- Browse the Independent Health's Encompass 65 RED 042 (HMO) formulary
New for 2026. This plan has no 2025 predecessor in the CMS crosswalk.
Plan details
| Monthly premium (Part C + D) | $40.00 |
|---|---|
| — medical (Part C) part | $0.00 |
| — drug (Part D) part | $40.00? |
| Monthly premium with full Extra Help (LIS) | $0.00? |
| Part B premium reduction (giveback) | None |
| Health plan deductible (in-network) | $300.00 |
| In-network out-of-pocket maximum | $9,250.00? |
| Drug deductible | $250.00Tier 1 and 2 exempt |
| Drug out-of-pocket threshold | $2,100.00 |
| Plan type | HMO? |
| Contract / plan | H3362-042-0 |
| Offered by | Independent Health |
| Parent organization | Independent Health Association, Inc. |
| Formulary drugs | 3,387 |
| Formulary exception tier | 4? |
| Pharmacy search | independenthealth.com |
| Member services | (800)958-4405TTY 711 |
CMS star ratings
- Overall
- 5 out of 5 stars for Overall
- Health plan (Part C)
- 5 out of 5 stars for Health plan (Part C)
- Drug plan (Part D)
- 5 out of 5 stars for Drug plan (Part D)
Published per contract — every plan under contract H3362 shares this rating.
Plan health benefits
| Service | In-network |
|---|---|
| Doctor visits | |
| Primary care doctor | $0–$20 copay |
| Specialist | $55 copay |
| Other health care professional | $55 copay |
| Additional telehealth services | $0–$55 copay |
| Preventive care | |
| Medicare-covered preventive services | $0 copay |
| Annual physical exam | $0 copay |
| Kidney disease education | $0 copay |
| Glaucoma screening | $0 copay |
| Diabetes self-management training | $0 copay |
| Diagnostic tests, labs and imaging | |
| Diagnostic tests and procedures | $0–$55 copay(authorization required) |
| Lab services | 0%–20% coinsurance(authorization required) |
| Diagnostic radiology (e.g. MRI, CT) | $290–$600 copay(authorization required) |
| Therapeutic radiology | 20% coinsurance(authorization required) |
| Outpatient x-rays | $55 copay(authorization required) |
| Emergency and urgent care | |
| Emergency room | $115 copay |
| Urgent care | $40 copay |
| Worldwide emergency coverage | $115 copay · $10,000 plan limit |
| Worldwide urgent care | $40 copay · $10,000 plan limit |
| Worldwide emergency transportation | $300 copay; 20% coinsurance |
| Hospital care | |
| Inpatient hospital stay | $500 per day for days 1–3; $0 per day for days 4–90; varies by hospital tier(authorization required) |
| Outpatient hospital services | $500–$743 copay(authorization required) |
| Outpatient observation | $500–$743 copay |
| Ambulatory surgical center | $350 copay(authorization required) |
| Outpatient blood services | $0 copay |
| Skilled nursing and home health | |
| Skilled nursing facility | $0 per day for days 1–20; $218 per day for days 21–100(authorization required) |
| Home health care | $0 copay(authorization required) |
| Kidney dialysis | 20% coinsurance |
| Rehabilitation | |
| Occupational therapy | $20 copay(authorization required) |
| Physical therapy and speech-language therapy | $20 copay(authorization required) |
| Cardiac rehabilitation | $0 copay |
| Pulmonary rehabilitation | $0 copay |
| Mental health and substance use | |
| Inpatient psychiatric hospital stay | $395 per day for days 1–4; $0 per day for days 5–90(authorization required) |
| Outpatient mental health, individual session | $35 copay |
| Outpatient mental health, group session | $35 copay |
| Psychiatrist, individual session | $35 copay |
| Psychiatrist, group session | $35 copay |
| Partial hospitalization | $55 copay(authorization required) |
| Intensive outpatient program | $55 copay |
| Outpatient substance use, individual session | $40 copay |
| Outpatient substance use, group session | $40 copay |
| Opioid treatment program | $40 copay |
| Ambulance and transportation | |
| Ground ambulance | $300 copay(authorization required) |
| Air ambulance | 20% coinsurance(authorization required) |
| Transportation to plan-approved locations | Not covered |
| Medical equipment and supplies | |
| Durable medical equipment (e.g. wheelchairs, oxygen) | 10%–20% coinsurance(authorization required) |
| Prosthetics (e.g. braces, artificial limbs) | 20% coinsurance(authorization required) |
| Medical supplies | $0 copay(authorization required) |
| Diabetes supplies | 0%–20% coinsurance |
| Diabetic therapeutic shoes or inserts | $0 copay |
| Chiropractic, acupuncture and foot care | |
| Chiropractic (Medicare-covered) | $15 copay |
| Routine chiropractic care | Not covered |
| Acupuncture | Not covered |
| Foot exams and treatment (Medicare-covered) | $55 copay |
| Routine foot care | Not covered |
| Dental? | |
| Preventive dental plan limit | $1,500 plan limit every year |
| Other diagnostic dental services | Not covered |
| Other preventive dental services | Not covered |
| Restorative services (fillings, crowns) | 50% coinsurance |
| Endodontics (root canals) | 50% coinsurance |
| Periodontics (gum disease) | 50% coinsurance |
| Dentures and other removable prosthodontics | 50% coinsurance |
| Maxillofacial prosthetics | Not covered |
| Implants | Not covered |
| Bridges and other fixed prosthodontics | Not covered |
| Oral and maxillofacial surgery | 50% coinsurance |
| Orthodontics | Not covered |
| Adjunctive general services | 50% coinsurance |
| Vision? | |
| Eye exam (Medicare-covered) | $0–$55 copay |
| Routine eye exam | $0 copay(limits apply) |
| Eyewear after cataract surgery (Medicare-covered) | $0 copay(limits apply) |
| Eyewear plan limit | $200 plan limit every year |
| Contact lenses | $0 copay(limits apply) |
| Eyeglasses (frames and lenses) | $0 copay(limits apply) |
| Eyeglass lenses | Not covered |
| Eyeglass frames | Not covered |
| Eyewear upgrades | Not covered |
| Hearing? | |
| Hearing exam (Medicare-covered) | $0–$55 copay |
| Routine hearing exam | $0–$55 copay |
| Hearing aid fitting and evaluation | $45 copay |
| Hearing aid plan limit | $200 plan limit every year |
| Hearing aids (all types) | $499–$1,949 copay(limits apply) |
| Hearing aids, inner ear | Not covered |
| Hearing aids, outer ear | Not covered |
| Hearing aids, over the ear | Not covered |
| Medicare Part B drugs | |
| Part B insulin | $35 copay(authorization required, step therapy may apply) |
| Chemotherapy and radiation drugs | 0%–20% coinsurance(authorization required, step therapy may apply) |
| Other Part B drugs | 0%–20% coinsurance(authorization required, step therapy may apply) |
| Other extra benefits? | |
| Over-the-counter (OTC) allowance | Not covered |
| Meals after a hospital stay or for a chronic condition | Not covered |
| Fitness benefit | $0 copay |
| Health education | $0–$20 copay |
| Nutritional / dietary benefit | Not covered |
| Extra smoking and tobacco cessation counseling | Not covered |
| Enhanced disease management | Not covered |
| Telemonitoring | Not covered |
| Remote access technologies (web/phone, nurse line) | $0–$25 copay |
| Home and bathroom safety devices | Not covered |
| Counseling services | Not covered |
| In-home safety assessment | Not covered |
| Personal emergency response system (PERS) | Not covered |
| Medical nutrition therapy | Not covered |
| Post-discharge in-home medication reconciliation | Not covered |
| Re-admission prevention | Not covered |
| Wigs for hair loss from chemotherapy | Not covered |
| Weight management programs | Not covered |
| Alternative therapies | Not covered |
| Therapeutic massage | Not covered |
| Adult day health services | Not covered |
| Home-based palliative care | Not covered |
| In-home support services | Not covered |
| Support for caregivers | Not covered |
In-network cost-sharing as the plan filed it with CMS (CMS plan benefit package (PBP) files, CY2026). A range means the cost depends on the service or setting. Rows the filing does not state are left out rather than guessed. Contact the plan for the full Evidence of Coverage.
Drug tiers — preferred pharmacy, initial coverage
| Tier | Cost-sharing |
|---|---|
| Tier 1 | $0.00 |
| Tier 2 | $7.00 |
| Tier 3 | 16% |
| Tier 4 | 37% |
| Tier 5 | 30% |
Rx cost-sharing by coverage phase
| Tier | 30-day supply | 90-day supply | ||||
|---|---|---|---|---|---|---|
| Preferred | Standard | Mail Order | Preferred | Standard | Mail Order | |
| Initial deductible phase | ||||||
| Tier 1: Preferred Generic | $0.00 | $0.00 | n/a | $0.00 | $0.00 | $0.00 |
| Tier 2: Generic | $7.00 | $7.00 | n/a | $17.50 | $17.50 | $17.50 |
| Initial coverage phase | ||||||
| Tier 1: Preferred Generic | $0.00 | $0.00 | n/a | $0.00 | $0.00 | $0.00 |
| Tier 2: Generic | $7.00 | $7.00 | n/a | $17.50 | $17.50 | $17.50 |
| Tier 3: Preferred Brand | 16% | 16% | n/a | 16% | 16% | 16% |
| Tier 4: Non-Preferred Drug | 37% | 37% | n/a | 37% | 37% | 37% |
| Tier 5: Specialty Tier | 30% | 30% | n/a | n/a | n/a | n/a |
| Catastrophic coverage phase | ||||||
| Tier 1: Preferred Generic | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Tier 2: Generic | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Tier 3: Preferred Brand | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Tier 4: Non-Preferred Drug | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Tier 5: Specialty Tier | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
Also available in 7 other NY counties
Benefits in plain text
Independent Health's Encompass 65 RED 042 (HMO) (H3362-042-0) is a 2026 HMO Medicare Advantage plan offered by Independent Health, available to residents of Genesee County, NY.
The monthly premium is $40.00 (Part C and Part D together).
With full Extra Help (the Low-Income Subsidy), the total monthly premium is $0.00.
The in-network deductible for health services is $300.00.
Its in-network out-of-pocket maximum is $9,250.00.
The drug deductible is $250.00. Tier 1 and 2 exempt.
The plan's formulary lists 3,387 drugs.
At a preferred pharmacy in the initial coverage phase, a 30-day supply costs tier 1: $0.00; tier 2: $7.00; tier 3: 16%; tier 4: 37%; tier 5: 30%.
CMS gives the plan's contract (H3362) an overall rating of 5 out of 5 stars.
Email a copy of the plan benefit details
Plan facts come from the CMS quarterly prescription drug plan public use files; the premium split, Extra Help premium, MOOP and plan type from the CMS Landscape file; the Part B giveback and health benefits from the CMS plan benefit package (PBP) files.