Univera Healthcare
Looking for coverage?
1-888-669-3911
Experience the Univera Difference
Experience the Univera Difference
For more than four decades, we’ve cared about connecting you and your family with quality, affordable health coverage, including free or low‑cost options.
The $0 Essential Plan
With premiums as low as $0/month and a large provider network, the Essential Plan connects you with the care you need at a price you can afford. Individuals under age 65 may be eligible based on New York State household income and size guidelines.
  • No Cost Preventive Care including vaccines, flu shots, checkups and screenings to keep you and your family healthy.
  • Dental, vision and telemedicine coverage options.
  • Prescription savings and home delivery.
  • Enroll anytime in the Essential Plan.
NEW! Dental Plans
Child Health Plus
Bronze, Silver, Gold & Platinum Plans
Medicaid
Dental Plans
When it comes to maintaining overall health and wellbeing, taking care of your teeth is just as important as taking care of the rest of your body. You can now save on dental care with individual and family dental plans.
NEW! Dental Plans
Child Health Plus
Bronze, Silver, Gold & Platinum Plans
Medicaid
Child Health Plus
Depending on your family’s income, your children up to age 19 may qualify for free or low-cost health insurance coverage in Erie County sponsored by New York State. For more information or to apply, call 1-888-679-7166, TTY: 1-800-421-1220 or visit www.nystateofhealth.ny.gov.
NEW! Dental Plans
Child Health Plus
Bronze, Silver, Gold & Platinum Plans
Medicaid
Bronze, Silver, Gold & Platinum Health Plans
Get the benefits you and your family need with our Bronze, Silver, Gold, and Platinum plans with coverage accepted by 100% of hospitals and 98% of doctors. Nearly 3 out of 4 New Yorkers qualify for reduced premiums.
NEW! Dental Plans
Child Health Plus
Bronze, Silver, Gold & Platinum Plans
Medicaid
Medicaid
Our Medicaid plans in Erie County sponsored by New York State provide free or low-cost health insurance for individuals and families who meet NYS income eligibility requirements. Plus, coverage for doctor visits and free preventive care such as mammograms, routine physicals and immunizations is included.
Find Your Plan
In less than a minute see if qualify for the Essential Plan or other free or low cost plans. We’ll also email you a free guide to help you shop for health insurance.
Turning 65 or switching Medicare plans? 
Learn about your Medicare options here.
What county do you live in?
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How many people live in your household?
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How many adults are you looking to cover?
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What is your total annual household income?
Our Benefits
All Univera Healthcare members receive these health care member benefits:
Choose Your Doctor
Access to a network of provider partnerships in 39 counties with thousands of doctors, hospitals and pharmacies.
Free Preventive
Care
No Cost Preventive Care including vaccines, flu shots, checkups and screenings to keep everyone healthy
Telemedicine
Benefits
Get care safely from home with telehealth through your in-network provider or 24/7 telemedicine through MDLIVE®
Mobile App
Univera Healthcare Mobile App
Manage your claims, find a doctor or urgent care center, view your benefits coverage, access your member card and more.
Manage claims, find a doctor, view your benefits, view your member card and more.
Get Started →
App StoreGoogle Play Store
Member Discounts
Exclusive member discounts off massage therapy, acupuncture and fitness facilities with Perks 4 U, plus our new Dental Rewards Program for adults.
Exclusive member discounts off massage therapy, acupuncture and fitness facilities with Perks 4 U, plus our new Dental Rewards Program.
Pharmacy Home
Delivery
Save time by using pharmacy home delivery and get back to more important things.
Save time by using pharmacy home delivery and get back to more important things.
Large Provider Network
  • A large network of doctors, hospitals and pharmacies you know and trust.
  • PPO network covers 39 Upstate New York counties
  • Includes all major hospitals and strategic physician groups
Large Provider Network
Large Provider Network
Large Provider Network
  • A large network of doctors, hospitals and pharmacies you know and trust.
  • PPO network covers 39 Upstate New York counties
  • Includes all major hospitals and strategic physician groups
Need help?Visit a Resource Center
Need help?

Get expert advice from our Facilitated Enrollers, available for phone appointments, and in-person appointments in certain counties. To schedule your appointment, call 1-888-669-3911.

Chat is available Mon-Thurs 8:00a.m.-8:00p.m., and Fri 9:00a.m.-8:00p.m.
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Common Questions & Helpful Resources

If I'm a Univera Healthcare member, can I make changes to my coverage?

Outside the annual open enrollment period (February 2-October 31), you may qualify to buy or change your health insurance coverage if you experience certain life events, within 60 days in most cases. For Medicare, refer to our Medicare Advantage Timeline for specifics on when you may switch your Medicare coverage.

Life Events include: getting pregnant, having a baby, adopting a baby, change in marital status, moving, losing coverage from your employer, or aging off of a parent’s health plan.

Contact Member Services

By Phone: For an immediate response, call the number on your Member Card for personalized care. Don't have your card handy? Contact numbers are available here.

When can I buy health insurance?

When you can buy or change your health insurance all depends on the plan you qualify for.
Select a product below to get started:

Individuals and Families (Non-Medicare)

There are two times when you can buy health insurance: Open Enrollment and Special Enrollment Periods.

Open Enrollment

For Metal level plans (Qualified Health Plans), you can purchase health insurance during Open Enrollment, which is typically between November 1 and January 31. However, due to COVID-19, New York State has extended the deadline for 2021 coverage to December 31, 2021.

If you are eligible for Medicaid, Child Health Plus, or the Essential Plan, you can enroll at any time during the year.

Special Enrollment Periods

Outside the annual open enrollment period (February 2-October 31), you may qualify to buy or change your health insurance coverage if you experience certain life events, within 60 days in most cases.

Life Events include: getting pregnant, having a baby, adopting a baby, change in marital status, moving, losing coverage from your employer, or aging off of a parent’s health plan.

To talk to one of our dedicated Insurance Advisors today about your options, call 1-888-669-3911.

The Essential Plan | Medicaid | Child Health Plus

Enrollment is available for the Essential Plan, Medicaid and Child Health Plus all year long for those who meet NYS qualifications for income, household size and immigration status. 

Medicare

There are three times when you can enroll in Medicare: Annual Election Period, Turning 65 and Special Enrollment Periods. 
Annual Election Period

Eligible individuals can enroll for 2020 coverage from October 15 — December 7.

Turning 65

If you’re turning 65, you can enroll in Medicare from the period that extends 3 months before to 3 months after the month of your 65th birthday. For example, if you turn 65 on July 4, you can enroll anytime between April 1 and October 31.

Special Enrollment Periods

Please refer to our Medicare Advantage Timeline to view specifics on when you may join or switch your coverage.

I have questions. Can I get help from someone in-person?

In certain counties, Facilitated Enrollers are available to meet with you in-person. To schedule an appointment, call 1-888-669-3911.

4 questions to ask when choosing a health plan

You may be eligible for financial help based on your household income and size. Or, you could qualify for the Essential Plan, for $0 or $20 a month. Use our calculator to see if you qualify.
1. Will the plan cover my prescriptions?

Make sure your medications, including maintenance drugs and contraceptives, are covered by the insurer. Univera Healthcare, for example, covers more than 50 prescription contraceptives. You can review the prescription drug lists covered by our plans at UniveraHealthcare.com

2. Does my doctor accept the plan?

Use our Find a Doctor tool to look for physicians in your area that accept your Univera Healthcare plan.

3. What if I can't see my doctor?

Ask if the plan covers emergency care anywhere in the world. You may also want to inquire as to whether the plan has a telemedicine program that provides 24/7 access to a doctor by phone or video chat when you have a minor health issue and can't see your physician.

4. Can I get financial assistance?

You may be eligible for financial help based on your household income and size. Or, you could qualify for the Essential Plan, for $0 or $20 a month. Use our calculator to see if you qualify.

What online tools are available to help me manage my membership?

Make sure you’re getting the most value out of your health plan by creating an account online at www.univerahealthcare.com. You’ll get a comprehensive tool showing the summary of your benefits, tracking your deductible and out-of-pocket spending, providing the ability to see and submit claims, preferences for receiving paperless statements, viewing and ordering your member card, and more.

Plus, download the Univera Healthcare app for Apple or Android devices for control of your membership on your smartphone or tablet.

Are dental benefits available?

Our new dental plans for individuals and families include coverage for preventive services like cleanings, fluoride treatments and sealants, routine services such as exams, x-rays and fillings as well as coverage for more comprehensive care like select crowns and adult root canals.  preventive dental cleanings and exams for children without an in-network deductible.

Are there plans for early retirees?

Modeled after a popular Medicare Advantage plan and designed for those over 55, our HSA qualified Univera Healthcare Advantage SilverSM and Univera Healthcare Advantage GoldSM plans are intended to ease your transition into Medicare. They’re ideal if your spouse has already moved into Medicare or if only one of you has employer coverage.

Stay Connected