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Frequently Asked Questions

Is there an independent health encompass 65 plan?

Independent Health Encompass 65 (HMO) (H3362-003) by Independent Health - Allegany County, NY The plan offers national in-network prescription coverage.

Do you pay Tier 4 for independent health encompass 65?

If you request a formulary exception for a drug and Independent Health Encompass 65 (HMO) approves the exception you will pay Tier 4: Non-Preferred Brand Drugs cost sharing for that drug. $0 deductible. Supplemental drugs don't count toward your out-of-pocket drug costs.

Do you have to have medisource to use independent health?

Independent Health covers all laboratory testing and services related to the diagnosis of COVID-19 with no member cost share. Members of our State products (MediSource, Essential Plan, Child Health Plus) must use participating in-network provider for these services.

What does independent health insurance do for You?

Independent Health covers all services and treatment for our members with no member cost share, including in-person, telehealth, urgent care center, outpatient hospital or emergency room visits when the primary purpose of the visit is COVID-19 testing, diagnosis and treatment.


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