Independent Health's Encompass 65 RED 043 (HMO)
Medicare Advantage Health Plan Details
Health insurance company offering plan: Independent Health
- Rx
- Dental
- Vision
- Hearing
General Plan Details
Additional Benefits
Doctor & Hospital Coverage
Out-of-network: $0-$20 copay
Out-of-network: $25-$50 copay
Out-of-network: $0 copay
Emergency Room
$115 copay
Ambulance Coverage
In-network: $240 copay
Out-of-network: $240 copay
Lab, X-Ray, Radiology Coverage
Diagnostic tests & procedures:
In-network: $0-$50 copay
Out-of-network: $0-$50 copay
Lab services:
In-network: 0%-20% coinsurance
Out-of-network: 0%-20% coinsurance
Diagnostic radiology services (e.g., CT, MRI, etc):
In-network: $150-$550 copay
Out-of-network: $150-$550 copay
Outpatient x-rays:
In-network: $30 copay
Out-of-network: $30 copay
Hospital Services
Inpatient hospital coverage:
Tier 1
$300 per day for days 1-6
$0 per day for days 7-90
$0 per stayTier 2
$485 per day for days 1-5
$0 per day for days 6-90
$0 per stay
Outpatient hospital coverage:
In-network: $375-$550 copay
Out-of-network: $375-$550 copay
Rehabilitation Coverage
Occupational therapy services:
In-network: $10 copay
Out-of-network: $10 copay
Urgent Care Coverage
$115 copay
Skilled Nursing Facility (SNF)
Tier 1
$0 per day for days 1-20
$218 per day for days 21-100
Mental Health Coverage
Outpatient group therapy with a psychiatrist:
In-network: $20 copay
Out-of-network: $20 copay
Outpatient individual therapy with a psychiatrist:
In-network: $20 copay
Out-of-network: $20 copay
Outpatient group therapy visits:
In-network: $20 copay
Out-of-network: $20 copay
Outpatient individual therapy visit:
In-network: $20 copay
Out-of-network: $20 copay
Dental, Vision, Hearing Benefits
Dental Services
Oral exams:
In-network: $0 copay
Out-of-network: $0 copay
Prophylaxis (cleaning):
In-network: $0 copay
Out-of-network: $0 copay
Dental x-rays:
In-network: $0 copay
Out-of-network: $0 copay
Vision Benefits
Routine eye exams:
In-network: $0 copay
Out-of-network: $0 copay
Contact Lenses:
In-network: $0 copay
Out-of-network: $0 copay
Eyeglasses:
In-network: $0 copay
Out-of-network: $0 copay
Hearing Benefits
Hearing exam:
In-network: $0-$25 copay
Out-of-network: $0-$25 copay
Fitting/evaluation:
In-network: $0-$25 copay
Out-of-network: $0-$25 copay
Hearing aids - prescription:
In-network: $499-$1949 copay
Out-of-network: $499-$1949 copay
Rx Drug Coverage - Standard Retail Cost
Tier 1: Preferred Generic
$0.00 copay (30-day supply)
$0.00 copay (90-day supply)
Tier 2: Generic
$10.00 copay (30-day supply)
$25.00 copay (90-day supply)
Tier 3: Preferred Brand
19% coinsurance (30-day supply)
19% coinsurance (90-day supply)
Tier 4: Non-Preferred Drug
42% coinsurance (30-day supply)
42% coinsurance (90-day supply)
Tier 5: Specialty Tier
32% coinsurance (30-day supply)
Additional Added Benefits
Plan Links
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