We’ve got you covered from head to toe
$0 Premium and NO Deductibles
With Essence Advantage, there are no additional premiums to pay. There are also no annoying deductibles to meet. Your coverage begins right away.
Complete Coverage With One Plan From One Company
Unlike Original Medicare plans, Essence bundles your medical, hospital and prescription drug coverage together in one comprehensive plan.
The plan comes with valuable extra benefits that save you even more.
$0 Copays on Generic Prescriptions
Save even more money on your prescription drugs when you fill your prescription at preferred pharmacies. Essence members can get generic prescriptions for $0 copays and reduced copays on brand-name medications at any participating preferred pharmacy.
Important Financial Protection
Essence protects your savings and retirement by putting an annual limit on what you have to pay out of your own pocket for your covered medical expenses — important protection not offered by Original Medicare plans.
Important Travel Coverage
Whether you are making a trip out of the state or out of the country, we have you covered. If you ever get sick or injured when away from home, you can rest easy knowing you have emergency or urgent-care coverage.
Benefits at a Glance
Hospital and Medical Coverage
For more details and a complete list of all benefits, please review our Summary of Benefits.
Part D Drug Coverage
Each Essence plan also includes generous prescription drug coverage. While we offer low copays
at all participating pharmacies, you also have the option of saving even more if you get your
prescriptions filled at a preferred pharmacy.
Essence Advantage (HMO)
In addition to comprehensive medical, hospital and Part D prescription drug coverage, Essence plans also include many valuable extras not offered by Original Medicare or Medicare supplements at no additional cost to you — just another way of helping you stay healthy while saving you money.Learn More
Important Plan Documents
Ready to get the all-in-one coverage of an Essence Healthcare plan?
We make it easy for you to get the information you need, when and how you need it.
Request your FREE Information Kit
Download your FREE Medicare Advantage info kit or request a copy by mail.
Schedule a one-on-one consultation
Get all your questions answered in a one-on-one appointment with a licensed Medicare advisor.
Attend a Medicare Seminar
Learn more about Essence Healthcare plans at one of our FREE local or online Medicare seminars.
Talk with a licensed Medicare advisor
Call anytime to discuss your options with a local, licensed Essence Healthcare advisor.