Retirement should be spent doing things that make you happy!

Our $0 Medicare Advantage plan makes that easy to do.

Retiring soon? You’re probably thinking more about Medicare, and there’s a lot to consider. Let our experienced RedShirtsSM help you understand your options and guide you through the process.

We offer a variety of plan options and benefits to fit your lifestyle and budget - including Independent Health's Encompass 65® Element HMO plan, with prescription coverage and the benefits you use most to get and stay healthy. All for a $0 monthly premium.

This includes our exclusive Premier Wellness Package1 with:

  • Routine Vision benefit
  • Preventive Dental benefit
  • Free fitness benefit with the SilverSneakers® Fitness Program2 that features thousands of participating facilities nationwide
  • Hearing Aid benefit with American Hearing Benefits
  • Free Enhanced Annual Wellness Visit Benefit
  • Telemedicine benefit
  • Brook, a free personal health companion app for your smartphone

A variety of plans to fit your needs.

We know that everyone is unique. And you can always count on us to provide a range of plans designed to meet your needs – including plans with enhanced diabetes benefits, free home meal delivery (28 meals for up to 14 days) after an in-patient hospital stay, free transportation for medical appointments and more.

Experience the RedShirt® Treatment.

Our locally based RedShirtsSM are here to guide you through the Medicare process in whatever way is most comfortable for you - whether it's connecting by phone, mail, online or a video conference call.

We will help you understand your Medicare plan options and provide you with the personalized attention you deserve to help you choose the best plan for your unique needs.

You'll get even more out of your plan.

  • One of the largest networks of doctors and specialists in this region and access to every hospital and pharmacy in WNY
  • Optional Supplemental Dental — Comprehensive coverage beyond your preventive dental benefit that includes up to $3,000 of coverage at no or a low monthly premium
  • Worldwide emergency and urgent care coverage4
  • $0 preventive services5
  • No referrals required

Quality matters.

We're honored to be recognized by U.S. News & World Report as a Best Medicare Advantage plan for two years in a row. Plus, as a 4.5 out of 5 Medicare star rated plan, we make it easier for you to receive high-quality care and provide guidance for your health care needs.

Best Insurance Companies U.S. News 2021 4.5 Medicare Star Rating for 2021
4.5 Medicare Star Rating for 2021 on HMO and PPO plans3
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Six Things to Consider when
Choosing a Medicare Advantage Plan