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Cost & Coverage

Advantage Gold is a new type of health plan that helps making the move to Medicare easier. The plan is designed after our Medicare Advantage plans and may be a good option for you if you retired early and need coverage now, your significant other is still working but you are not or if your spouse or domestic partner are already on Medicare but you are not eligible yet.

With Advantage Gold you will have free preventive care and coverage for when you need care including vision benefits and $50 allowance toward your eyewear purchase.

Univera Healthcare Advantage Gold is a health plan designed to help make the move to Medicare easier. The plan is designed after our Medicare Advantage plans and may be a good option for you if you retired early and need coverage now, your significant other is still working but you are not, or if your spouse or domestic partner are already on Medicare but you are not eligible yet.

New for 2022 The 2022 plan now has a lower overall deductible that is split between medical services and prescription drugs. It also includes coverage ahead of the deductible for Preventive Drugs and additional diagnosis-based Preventive Medical Services.

With Univera Healthcare Advantage Gold you will have coverage when and where you need it, including free preventive care, plus vision benefits and a $50 allowance toward your eyewear purchase.

View a Summary of Benefits & Coverage

View a Contract & Other Legal Information for Prospective Members

Embedded Pediatric Dental

NYS Mandates require all health insurance plans to include Pediatric Dental provided at a low cost. Therefore, all our medical plans include pediatric dental coverage. You can choose to exclude pediatric (under age 19) dental coverage while maintaining comprehensive coverage for adults, if you already have coverage from another Health plan.

A Great Provider Network

All of our plans give you access to top-quality doctors, hospitals and pharmacies.

Univera Dental Rewards

Go to the Dentist, Receive up to $100 for Getting Dental Cleanings

It's really that easy. Even if you don't have dental coverage through Univera Healthcare. Just provide proof that you or your spouse/domestic partner went to the dentist for your annual cleanings, and we'll pay you up to $100 ($50 per person) to use as you wish.

Exclusive Member Benefits

As our member, you'll enjoy:

Estimate Healthcare Expenses

See our Out-of-Network Costs examples. You may also visit FAIR Health’s website to estimate potential out-of-network out-of-pocket expenses. Please note: Medicare cost information may be found at CMS.gov fee schedule search tool.

Need Help

We can help you get coverage.
Call: 1-888-679-7166 1-844-829-8513
TTY: 711


Hours of operation:
Monday - Thursday: 8 a.m - 5:30 p.m
Friday: 9 a.m. to 5:30 p.m.

Hours of operation:
Monday - Thursday: 8 a.m. to 7 p.m.
Friday: 9 a.m. to 7 p.m.
Saturday and Sunday: Closed

Closed: New Year’s Day, Memorial Day, Labor Day, Thanksgiving Day, Day after Thanksgiving, Christmas Eve, Christmas Day