Independent Health's Encompass 65 RED 042 (HMO) Medicare Advantage Plan H3362-042 • 2027
- Monthly Premium
- $49.00Plus Part B premium.
- Medical Deductible
- $350
- Maximum Out-of-Pocket
- $9850.00In-network
- Part B Giveback
- Not offered
- Prescription Coverage
- Enhanced, $550.00 deductible
- Additional Benefits
- Dental, Vision, Hearing
- Service Area
- See List
- Total Enrollment
- 6,364 beneficiaries
Independent Health's Encompass 65 RED 042 (HMO) Introduction
This Medicare Advantage HMO plan, Independent Health's Encompass 65 RED 042, is offered by Independent Health and uses a Health Maintenance Organization (HMO) provider network. It comes with prescription drug coverage. For the 2027 plan year, the monthly premium is $49.00, the medical deductible is $350, and the in-network maximum out-of-pocket is $9850.00. The plan is identified by CMS Plan ID H3362-042. The 2027 Part D prescription drug deductible is $550.00.
Plan Benefits
Independent Health's Encompass 65 RED 042 includes cost-sharing, which refers to out-of-pocket expenses for covered healthcare services. The tables below outline the most common in-network out-of-pocket costs associated with plan H3362-042.
Compare 2027 plan benefits with 2026.
Office Visits
| Covered Service | 2027 | 2026 |
|---|---|---|
| Primary care | In-network: $0 copay | In-network: $0-$20 copay |
| Specialist | In-network: $55 copay | In-network: $55 copay |
Preventive and Wellness Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Annual wellness exam | Not covered | In-network: $0 copay |
| Telehealth benefit | In-network: $0-$55 copay | In-network: $0-$55 copay |
| Routine chiropractic | Not covered | Not covered |
| Fitness benefits | Coming soon | In-network: $0 copay |
| Health education | In-network: $0-$20 copay | In-network: $0-$20 copay |
| Counseling services | Not covered | Not covered |
| Over-the-counter drug benefits | Not covered | Not covered |
| Health transportation (non-emergency) | Coming soon | Not covered |
Diagnostic, Lab, and Imaging Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Diagnostic radiology services | In-network: $325 copay | In-network: $290-$600 copay |
| Lab services | In-network: 0%-20% coinsurance | In-network: 0%-20% coinsurance |
| Outpatient x-rays | In-network: $55 copay | In-network: $55 copay |
| Diagnostic tests and procedures | In-network: $0-$55 copay | In-network: $0-$55 copay |
Emergency and Urgent Care Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Emergency room care | $115 copay | $115 copay |
| Worldwide emergency care | Coming soon | $115 copay |
| Urgent care | $40 copay | $40 copay |
| Inpatient hospital care | Tier 1 $530 per day for days 1-4 $0 per day for days 5-90 $0 per stay |
Tier 1 $500 per day for days 1-3 $0 per day for days 4-90 $0 per stay Tier 2 $743 per day for days 1-3 $0 per day for days 4-90 $0 per stay |
| Skilled Nursing Facility | Tier 1 $0 per day for days 1-20 $221 per day for days 21-100 |
Tier 1 $0 per day for days 1-20 $218 per day for days 21-100 |
| Ground ambulance | In-network: $270 copay | In-network: $300 copay |
Mental Health Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Outpatient individual therapy | In-network: $35 copay | In-network: $35 copay |
| Outpatient group therapy | In-network: $35 copay | In-network: $35 copay |
| Inpatient psychiatric hospital care | Tier 1 $530 per day for days 1-4 $0 per day for days 5-90 $0 per stay |
Tier 1 $500 per day for days 1-3 $0 per day for days 4-90 $0 per stay Tier 2 $743 per day for days 1-3 $0 per day for days 4-90 $0 per stay |
Rehabilitation Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Physical therapy and speech and language therapy | In-network: $20 copay | In-network: $20 copay |
| Occupational therapy | In-network: $20 copay | In-network: $20 copay |
Medical Equipment and Supplies
| Covered Service | 2027 | 2026 |
|---|---|---|
| Diabetes supplies | In-network: 0%-20% coinsurance | In-network: 0%-20% coinsurance |
| Durable medical equipment | In-network: 10%-20% coinsurance | In-network: 10%-20% coinsurance |
| Prosthetics | In-network: 20% coinsurance | In-network: 20% coinsurance |
Medicare Part B Drugs
| Covered Service | 2027 | 2026 |
|---|---|---|
| Chemotherapy | In-network: 0%-20% coinsurance | In-network: 0%-20% coinsurance |
| Other Part B drugs (Medicare-covered) | In-network: 0%-20% coinsurance | In-network: 0%-20% coinsurance |
Dental Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Oral exam | In-network: $0 copay | In-network: $0 copay |
| Dental x-rays | In-network: $0 copay | In-network: $0 copay |
| Cleaning | In-network: $0 copay | In-network: $0 copay |
| Periodontics | In-network: 50% coinsurance | In-network: 50% coinsurance |
| Endodontics | In-network: 50% coinsurance | In-network: 50% coinsurance |
| Restorative services | In-network: 50% coinsurance | In-network: 50% coinsurance |
| Implant services | Not covered | Not covered |
| Orthodontics | Not covered | Not covered |
| Oral/Maxillofacial surgery | In-network: 50% coinsurance | In-network: 50% coinsurance |
Vision Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Routine eye exam | In-network: $0 copay | In-network: $0 copay |
| Contact lenses | In-network: $0 copay | In-network: $0 copay |
| Eyeglass frames only | Not covered | Not covered |
| Eyeglass lenses only | Not covered | Not covered |
| Eyeglasses (frames & lenses) | In-network: $0 copay | In-network: $0 copay |
| Upgrades | Not covered | Not covered |
Hearing Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Hearing exam | In-network: $0-$55 copay | In-network: $0-$55 copay |
| Fitting/evaluation | In-network: $45 copay | In-network: $45 copay |
| Prescription hearing aids | In-network: $499-$1949 copay | In-network: $499-$1949 copay |
| OTC hearing aids | Not covered | Not covered |
Additional and Special Needs Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Adult day health services | Not covered | Not covered |
| Home-based palliative care | Not covered | Not covered |
| Personal emergency response system | Coming soon | Not covered |
| Weight management programs | Not covered | Not covered |
| Wigs for chemotherapy-related hair loss | Coming soon | Not covered |
| Alternative therapies | Not covered | Not covered |
| Massage therapy | Not covered | Not covered |
| Home/bathroom safety devices | Not covered | Not covered |
Certain preventive services are covered 100% by Independent Health's Encompass 65 RED 042 as a Part B benefit.
Prescription Drug Coverage
Independent Health's Encompass 65 RED 042 includes a Medicare Part D prescription drug plan (PDP). Plan type and coverage level are defined by CMS and may vary between basic and enhanced benefit designs.
This plan includes an enhanced benefit Medicare Part D plan (PDP), providing coverage beyond the standard CMS-defined minimum.
Prescription Drug Plan Premium
The Part D prescription drug plan premium is included in the overall Medicare Advantage plan cost. Additional adjustments may apply through the Low-Income Subsidy (LIS) program, also known as Extra Help, administered by Social Security. LIS benefits are separate from Medicare Special Needs Plan coverage.
| Part D Premium Component | Amount |
|---|---|
| Basic Part D Premium: | $45.00 |
| Supplemental Part D Premium: | $$4.00 |
| Total Part D Premium: | $49.00 |
| Low-Income Premium Subsidy: | $40.45 |
| Low-Income Premium Subsidy Paid by CMS: | $40.50 |
| Low-Income Subsidy Premium: | $8.50 |
For more details, visit the Social Security Extra Help program .
Prescription Drug Plan Deductible
This plan has a $550.00 annual Part D deductible. You'll pay this deductible at the pharmacy before Independent Health starts contributing towards your prescription costs.
Prescription Drug Plan Out-of-Pocket Costs
Beyond premiums and deductibles, Independent Health's Encompass 65 RED 042 may have additional costs at pharmacies. The table below outlines out-of-pocket expenses by drug tier.
| Drug Tier | Retail | Mail Order |
|---|---|---|
| Preferred Generic | $0.00 copay | Coming soon |
| Generic | $5.00 copay | Coming soon |
| Preferred Brand | 18% coinsurance | Coming soon |
| Non-Preferred Drug | 33% coinsurance | Coming soon |
| Specialty Tier | 27% coinsurance | Coming soon |
| *Deductible does not apply. | ||
CMS 5-Star Performance Ratings (Contract ID: H3362)
The Centers for Medicare & Medicaid Services (CMS) rates Medicare Advantage (Part C) and Part D prescription drug plans each year using a 5-star system. These ratings measure plan performance in areas such as preventive care, management of chronic conditions, and member experience.
| CMS Measure | Star Rating |
|---|---|
| 2027 Overall Rating | |
| Staying Healthy: Screenings, Tests, Vaccines | |
| Managing Chronic (Long Term) Conditions | |
| Member Experience with Health Plan | |
| Complaints and Changes in Plans Performance | |
| Health Plan Customer Service | |
| Drug Plan Customer Service | |
| Complaints and Changes in the Drug Plan | |
| Member Experience with the Drug Plan | |
| Drug Safety and Accuracy of Drug Pricing |
Contact Information for Independent Health
- Website
- Independent Health Plan Page
- Providers
- Independent Health Providers Page
- Formulary
- Independent Health Formulary Page
- Pharmacy
- Independent Health Pharmacy Page
- New Member Health Plan Help
- (800)958-4405
- New Member Health Plan TTY
- 711
- New Member Part D Help
- (800)958-4405
- New Member Part D TTY Users
- 711
Enrollment status and eligibility information are available through the Social Security Administration. Additional information about Medicare Advantage is available at Medicare.gov.
Plan Availability
Independent Health's Encompass 65 RED 042 (H3362-042-0) is available in the following locations:
New York Counties Served
Frequently Asked Questions
Here are some of the most frequently asked questions about this plan (click to open).
Frequently Asked Questions About Independent Health's Encompass 65 RED 042 (HMO)
What is the monthly premium for Independent Health's Encompass 65 RED 042 (HMO)?
For 2027, the monthly premium is $49.00. Medicare Part B premiums apply in addition to this amount.
What is the MOOP for Independent Health's Encompass 65 RED 042 in 2027?
The annual in-network MOOP is $9850.00 for 2027. After this limit is reached, covered in-network services are fully paid.
What is the star rating for plan H3362-042 in 2027?
The 2027 CMS star rating for Independent Health's Encompass 65 RED 042 is ★4.5 out of 5.
How many beneficiaries are enrolled in this plan?
Total enrollment is 6,364 beneficiaries based on the latest CMS data.
What is the prescription drug deductible for 2027?
The Part D deductible is $550.00.
Medicare Plan Data Sources and Methodology
| Data Source | Publisher | Last Accessed |
|---|---|---|
| Landscape Source Files | Centers for Medicare & Medicaid Services | October 5, 2026 |
| Medicare Part C & D Performance | Centers for Medicare & Medicaid Services | October 5, 2026 |
| Plan Benefits Package | Centers for Medicare & Medicaid Services | October 5, 2026 |
| Monthly Enrollment by Contract/Plan/State/County | Centers for Medicare & Medicaid Services | October 5, 2026 |
Data sources and methodology documentation.
| Publisher | Reference | Last Accessed |
|---|---|---|
| Independent Health (official source) | http://www.independenthealth.com/medicare | October 4, 2026 |
| Medicare.gov | Understanding Medicare Advantage Plans | 25 May, 2025 |
| NCOA.org | 5 Steps to Choosing the Right Medicare Plan for You | 25 May, 2025 |
| Medicare.gov | Your coverage options | 25 May, 2025 |
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