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Independent Health's Assure Advantage (HMO C-SNP) Medicare Special Need Plan H3362-040 • 2027

CMS Rating: ☆☆☆☆☆ (4.5 out of 5 stars*)
Monthly Premium
$15.00Plus Part B premium.
Medical Deductible
$0.00
Maximum Out-of-Pocket
$8500.00In-network
Part B Giveback
Not offered
Prescription Coverage
Enhanced, $250.00 deductible
Additional Benefits
Dental, Vision, Hearing
Service Area
See List
Total Enrollment
1,497 beneficiaries
Last update:

Introduction

CMS Plan ID H3362-040 identifies Independent Health's Assure Advantage, a Medicare Advantage Chronic Condition Special Needs Plan (C-SNP) offered by Independent Health. Its provider network is a Health Maintenance Organization (HMO), and Medicare Part D prescription drug coverage is included. For 2027, the plan has a $15.00 monthly premium, $0.00 medical deductible, and $8500.00 in-network maximum out-of-pocket. The 2027 Part D prescription drug deductible is $250.00.

Enrollment across the plan's service areas totals 1,497 beneficiaries, according to CMS. Enrollment is limited to beneficiaries who live within the plan's service area: See List.

Eligibility

Independent Health's Assure Advantage is a Chronic Condition Special Needs Plan (C-SNP) designed for people with qualifying health conditions.

Special Needs Plan Type
Chronic Condition Special Needs Plan (C-SNP)
Medicare Requirement
Must have Medicare Part A and Part B
Special Needs Requirement
This plan is for individuals with chronic heart failure.
Service Area Requirement
Must live in the plan's service area
Prescription Drug Coverage
Medicare Part D prescription drug coverage is included.

Plan Benefits

Independent Health's Assure Advantage has cost-sharing, meaning there are out-of-pocket costs when receiving covered healthcare services. The tables below detail the most common in-network out-of-pocket expenses for plan H3362-040.

Compare 2027 plan benefits with 2026.

Office Visits

Office visit costs by plan year.
Covered Service 2027 2026
Primary care In-network: $0 copay In-network: $0-$20 copay
Specialist In-network: $0-$25 copay In-network: $0-$50 copay

Preventive and Wellness Services

Preventive and wellness service costs and benefits by plan year.
Covered Service 2027 2026
Annual wellness exam Not covered In-network: $0 copay
Telehealth benefit In-network: $0-$40 copay In-network: $0-$50 copay
Routine chiropractic Not covered Not covered
Fitness benefits Coming soon In-network: $0 copay
Health education Not covered In-network: $0 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

Diagnostic, laboratory, and imaging service costs by plan year.
Covered Service 2027 2026
Diagnostic radiology services In-network: $175 copay In-network: $155-$550 copay
Lab services In-network: 0%-20% coinsurance In-network: 0%-20% coinsurance
Outpatient x-rays In-network: $30 copay In-network: $30 copay
Diagnostic tests and procedures In-network: $0-$25 copay In-network: $0-$50 copay

Emergency and Urgent Care Services

Emergency, urgent care, hospital, ambulance, and skilled nursing costs by plan year.
Covered Service 2027 2026
Emergency room care $115 copay $125 copay
Worldwide emergency care Coming soon $125 copay
Urgent care $40 copay $50 copay
Inpatient hospital care Tier 1
$400 per day for days 1-5
$0 per day for days 6-90
$0 per stay		 Tier 1
$250 per day for days 1-6
$0 per day for days 7-90
$0 per stay
Tier 2
$550 per day for days 1-5
$0 per day for days 6-90
$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
$214 per day for days 21-100
Ground ambulance In-network: 20% coinsurance In-network: $220 copay

Mental Health Services

Mental health therapy and inpatient psychiatric care costs by plan year.
Covered Service 2027 2026
Outpatient individual therapy In-network: $30 copay In-network: $30 copay
Outpatient group therapy In-network: $30 copay In-network: $30 copay
Inpatient psychiatric hospital care Tier 1
$400 per day for days 1-5
$0 per day for days 6-90
$0 per stay		 Tier 1
$250 per day for days 1-6
$0 per day for days 7-90
$0 per stay
Tier 2
$550 per day for days 1-5
$0 per day for days 6-90
$0 per stay

Rehabilitation Services

Physical, speech, and occupational therapy costs by plan year.
Covered Service 2027 2026
Physical therapy and speech and language therapy In-network: $15 copay In-network: $10 copay
Occupational therapy In-network: $15 copay In-network: $10 copay

Medical Equipment and Supplies

Diabetes supplies, durable medical equipment, and prosthetic costs by plan year.
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

Chemotherapy and other Medicare Part B-covered drug costs by plan year.
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

Preventive and comprehensive dental service costs by plan year.
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

Routine eye exams, contact lenses, and eyewear costs by plan year.
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

Hearing exams, fittings, and hearing aid costs by plan year.
Covered Service 2027 2026
Hearing exam In-network: $0-$25 copay In-network: $0-$20 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

Additional and special needs service costs and benefits by plan year.
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 In-network: $0 copay
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 Assure Advantage as a Part B benefit.

Prescription Drug Coverage

Independent Health's Assure Advantage 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.

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.

Independent Health's Assure Advantage (H3362-040-0) Prescription Drug Plan Premium Details
Part D Premium Component Amount
Basic Part D Premium:$15.00
Supplemental Part D Premium:$0.00
Total Part D Premium:$15.00
Low-Income Premium Subsidy:$40.45
Low-Income Premium Subsidy Paid by CMS:$15.00
Low-Income Subsidy Premium:$0.00

For more details, visit the Social Security Extra Help program .

Prescription Drug Plan Deductible

This plan has a $250.00 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 Assure Advantage may have additional costs at pharmacies. The table below outlines out-of-pocket expenses by drug tier.

Independent Health's Assure Advantage (H3362-040-0) Pharmacy Out-of-Pocket Costs by Drug Tier
Drug Tier Retail Mail Order
Preferred Generic$0.00 copay$0.00 copay
Generic$8.00 copay$10.00 copay
Preferred Brand19% coinsurance$47.00 copay
Non-Preferred Drug37% coinsurance50% coinsurance
Specialty Tier30% coinsurance32% coinsurance
*Deductible does not apply.

CMS 5-Star Performance Ratings (Contract ID: H3362)

Medicare evaluates plan quality using a star rating system developed by the Centers for Medicare & Medicaid Services (CMS). Ratings are based on measures such as health outcomes, member experience, and customer service, and are reported on a 1 to 5 star scale, with higher ratings indicating stronger overall performance.

2027 Medicare Star Ratings for Contract H3362
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 Assure Advantage (H3362-040-0) is available in the following locations (click to open):

Erie
Medicare Plan Data Sources and Methodology
Primary CMS datasets used for this Medicare Advantage Plan resource.
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.

Official plan information and secondary Medicare references.
Publisher Reference Last Accessed
Independent Health (official source) http://www.independenthealth.com/medicare October 4, 2026
CMS.gov Chronic Condition Special Needs Plans (C-SNPs) April 28, 2026
Medicare.gov Compare types of Medicare Advantage Plans April 28, 2026
NCOA.org 5 Steps to Choosing the Right Medicare Plan for You April 28, 2026

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Data provenance documentation is maintained in alignment with the U.S. Core Data for Interoperability (USCDI) Provenance standard.