Independent Health’s Encompass 65 RED 044 (HMO) is a Medicare Advantage Plan by Independent Health.
This page features plan details for 2026 Independent Health’s Encompass 65 RED 044 (HMO) H3362 – 044 – 0.
IMPORTANT: This page has been updated with plan and premium data for 2026. Enrollment for 2026 plans starts Oct 15, 2025.
Independent Health’s Encompass 65 RED 044 (HMO) is offered in the following locations.
Independent Health’s Encompass 65 RED 044 (HMO) offers the following coverage and cost-sharing.
| Insurer: | Independent Health |
| Health Plan Deductible: | |
| MOOP: | $7,500.00 |
| Drugs Covered: | Yes |
Ready to sign up for Independent Health’s Encompass 65 RED 044 (HMO) ?
Get help from a licensed insurance agent.
Call 1-877-354-4611 / TTY 711.
M-F: 8:00 am – 10:00 pm EST
Sat-Sun: 8:00 am – 9:00 pm EST
| Part B | Part C | Part D | Part B Give Back | Total |
|---|---|---|---|---|
| $206.50 | $0.00 | $95.00 | $ | $ |
Independent Health’s Encompass 65 RED 044 (HMO) provides the following cost-sharing on drugs. Please check the plan’s formulary for specific drugs covered.
| Drug Deductible: | $150.00 |
| Drug Out-Of-Pocket maximum: | $2100.00 |
| Drug Benefit Type: | Enhanced Alternative |
The Low-Income Subsidy (also known as LIS or “Extra Help”) helps people with Medicare lower the cost of prescription drugs.
The table below shows how the LIS impacts the Part D premium of this plan.
| Part D | LIS Full |
|---|---|
| $95.00 | $36.20 |
After you pay your $150.00 drug deductible, you will pay the following costs for drugs in each tier until your total drug costs (including what this plan has paid and what you have paid) reach $2100.00. Once you reach that amount, you will enter the next coverage phase.
After your yearly out-of-pocket drug costs (including drugs purchased through your retail pharmacy and through mail order) reach $2100.00, you pay nothing for Medicare Part D covered drugs. However, you may still pay a share of the costs for excluded drugs covered under any enhanced benefit. Please note, that this plan has a Enhanced Alternative benefit type.
Ready to sign up for Independent Health’s Encompass 65 RED 044 (HMO) ?
Get help from a licensed insurance agent.
Call 1-877-354-4611 / TTY 711.
M-F: 8:00 am – 10:00 pm EST
Sat-Sun: 8:00 am – 9:00 pm EST