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Independent Health's Encompass 65 RED 045 (HMO)
Independent Health Medicare Advantage with drug coverage
Monthly premium$286
Out-of-pocket limit (in network)$7,000
Drug deductible$375
Last year's star rating 5
TypeHMO
Plan IDH3362-045-0
Counties where it is sold (8)
- Allegany County, NY
- Cattaraugus County, NY
- Chautauqua County, NY
- Erie County, NY
- Genesee County, NY
- Niagara County, NY
- Orleans County, NY
- Wyoming County, NY
Star ratings for 2027 are published by CMS in October; the stars shown are the contract's 2026 overall rating. We are not connected with or endorsed by the U.S. government or the federal Medicare program, and we do not sell plans. We do not list plan benefits in full; confirm costs and coverage with the plan, Medicare.gov or 1-800-MEDICARE (TTY 1-877-486-2048) before you enroll. Source: CMS Medicare Advantage and Part D Landscape, 2027 (2026-10 release).