Univera SeniorChoice Value Plus (HMO-POS)

Univera SeniorChoice Value Plus (HMO-POS) is a HMO-POS plan offered by Lifetime Healthcare, Inc. available for enrollment in 2025 to people living in Western New York. This plan received an overall rating of 4 out of 5 stars in 2026.

It's important to know that Univera SeniorChoice Value Plus (HMO-POS) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.

Key Plan Facts

Below are a few key facts and commonly-asked questions about Univera SeniorChoice Value Plus (HMO-POS).

Plan Costs:

The cost of a Medicare Advantage Plan is made up of four main parts.

• First, the monthly premium — the amount you pay every month.
• Second, the deductible — the amount you pay out of pocket for covered services before the plan starts paying.
• Third, the copayments and coinsurance — the amounts you pay out of pocket for covered services, usually after meeting the deductible (if applicable). Copays are fixed dollar amounts; coinsurance is a percentage of the cost.
• Fourth, the Out-of-Pocket Maximum — the maximum amount you could have to pay out of pocket in a year. This may be different for in-network and out-of-network services.

You can see below for the coinsurance and specific copayments for in the Additional Benefits section below, or refer to our Plan Details page for more details.

Common Services:

Drug Coverage

The Univera SeniorChoice Value Plus (HMO-POS) plan features an annual drug deductible of $295. For Tier 1 preferred generic drugs, you pay no copay when using a preferred pharmacy or preferred mail-order service. Tier 2 generic drugs are also highly affordable, with a low $5 copay for a one-month supply at preferred locations. Higher-tier prescription drugs transition to coinsurance, with Tier 3 preferred brands requiring 20% coinsurance across all pharmacy options. Tier 4 non-preferred drugs carry a 33% coinsurance at preferred pharmacies compared to 50% at standard pharmacies, while Tier 5 specialty drugs require a flat 29% coinsurance. Choosing preferred pharmacies and mail-order services helps maximize your savings under this Medicare prescription drug plan.

Additional Benefits

The Univera SeniorChoice Value Plus (HMO-POS) plan offers comprehensive medical coverage featuring no copay and no coinsurance for primary care visits, home health services, and preventive care. For more intensive medical needs, inpatient hospital stays require a $310 daily copay for the first five days and no copay thereafter, while emergency services carry a $115 copay and specialist visits require a $35 copay. Outpatient surgical services and ambulance transports are also covered with flat copays of $260 and $200 respectively, with no coinsurance. This plan also features essential ancillary benefits, including dental care with no copay up to a $1,000 annual limit, routine eye exams with no copay, and routine hearing exams for a $35 copay. Prescription hearing aids are covered with copays ranging from $499 to $799, and the plan provides a $30 quarterly allowance for over-the-counter items with no copay or coinsurance. Durable medical equipment and dialysis services are covered with a 20% coinsurance and no copay, helping to manage your ongoing healthcare costs.