Independent Health's Encompass 65 RED 042 (HMO)
Independent Health, HMO. 40.00 a month, and your spending is capped at 9,250 a year in network.
What CMS publishes about it
| Insurer | Independent Health (part of Independent Health Association, Inc.) |
|---|---|
| Plan type | HMO |
| Contract and plan id | H3362-042 |
| Monthly premium | $40.00 |
| Of which drug coverage | $40.00 |
| Most you can pay in a year | $9,250 |
| Drug coverage | Yes — Enhanced |
| Annual drug deductible | $250 |
| Overall star rating | 5.0/5 |
| Medicare Advantage stars | 5.0/5 |
| Part D stars | 5.0/5 |
| Counties it is sold in | 8 |
| Contract year | 2026 |
How many people chose it
6,364 people were enrolled across 8 counties in September 2026. CMS suppresses any county count of ten or fewer, so the real total is a little higher than this.
How CMS rates it, domain by domain
Each domain is rated 1 to 5. 0 of 9 domains carry no rating — CMS either did not require this contract to report them or had too little data.
Where it is sold
New York
Allegany · Cattaraugus · Chautauqua · Erie · Genesee · Niagara · Orleans · Wyoming
Get told when this changes
Its premium, out-of-pocket maximum, star rating or sanction status changing — and whether it is ending next year.
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Premiums, deductibles, maximum out-of-pocket amounts, star ratings and sanctions are reproduced from the Centers for Medicare & Medicaid Services landscape file. Enrolment counts are from the CMS monthly enrolment file; CMS suppresses any count of ten or fewer, which is why many plans show “fewer than 11” rather than a number. Nothing on this page is calculated by us. This is not a complete list of your options and it is not advice: see Medicare.gov or call 1-800-MEDICARE.