Univera SeniorChoice Extra (HMO)

Univera SeniorChoice Extra (HMO) is a HMO plan offered by Excellus Health Plan, Inc. available for the 2026 plan year 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 Extra (HMO) 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 Extra (HMO).

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 Extra (HMO) Medicare plan features an annual prescription drug deductible of $615. For Tier 1 preferred generic drugs, you will pay a low copay of $6 for a one-month supply at preferred pharmacies and mail-order services, or $11 at standard pharmacies. Tier 2 generic drugs are also highly affordable, with a one-month copay starting at $15 at preferred pharmacies and rising to $20 at standard locations. Higher-tier medications under this plan are subject to coinsurance rather than flat copays. Tier 3 preferred brand drugs require a 20% coinsurance at preferred pharmacies and 25% at standard pharmacies, while Tier 4 non-preferred drugs range from 30% to 40% coinsurance depending on your pharmacy choice. Specialty medications in Tier 5 carry a flat 25% coinsurance regardless of whether you use a preferred or standard pharmacy or mail-order service.

Additional Benefits

The Univera SeniorChoice Extra (HMO) offers comprehensive medical coverage with predictable cost-sharing, featuring a $5 copay for primary care visits, a $45 copay for specialists, and no coinsurance for either. For hospital stays, members pay a daily copay of $400 for days 1 through 5 of acute inpatient care and a $400 copay for outpatient hospital services, both with no coinsurance. Emergency room visits require a $115 copay, which is waived if admitted, while urgent care visits carry a $40 copay. This plan also includes valuable supplemental benefits, such as routine eye exams and preventive dental services with no copay or coinsurance. Routine hearing exams are available for a $45 copay, and prescription hearing aids are covered with copays ranging from $499 to $799. Additionally, members benefit from a quarterly $30 over-the-counter item allowance and skilled nursing facility care with no copay for the first 20 days.

Plan Providers

Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, Health Care Service Corporation, HealthSpring^SM, HealthSun, Healthy Blue, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint.