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Toll-free number
1-888-494-8769
TTY:711

A Health Plan
You Can Love.

Troy Medicare has two plan options with $0 physician and specialist copays.

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Why Troy Medicare?

Two Simple Plans

While other plans offer Medicare beneficiaries dozens of options and convoluted benefits, we believe in simplicity. Which is why we have 2 very simple plan options. It doesn't get simpler than that.

$0 Generics

Troy empowers local, independent pharmacies with our technology platform, Troy.AI, to help all members get the lowest prices and have additional cost-saving opportunities.

$0 Doctor Visits

Troy members can see a specialist as well as primary care provider for for a $0 copay. No referral is needed for specialists.

For 2026, Troy Medicare has created 2 hassle-free Medicare Advantage plans that have comprehensive coverage and are easy to understand:

What we are:

  • $0 Premium
  • $0 Deductible
  • $0 Copays for PCP visits
  • $0 Copays for Specialist visits (Referrals not Required!)
  • $0 Urgent Care
  • $3,000 Routine Dental Benefit
  • $825 Routine Hearing Benefit
  • $250 Routine Vision Benefit
  • Gym Membership Reimbursement
  • Troy Medicare for Dual-eligible Beneficiaries (HMO D-SNP) includes up to $2,200 in OTC, Healthy Foods*, and General Support for Living (Utilities)*
  • Troy Medicare (HMO): $5 generic insulin available at preferred pharmacies; Pest Control Services*

* Important SSBCI Information: These benefits are offered under the Special Supplemental Benefits for the Chronically Ill (SSBCI) program.  Chronic conditions covered under the SSBCI program include, but are not limited to the following:  Cancer, Cardiovascular disorders, Chronic heart failure, Diabetes, Sleep and Stroke. Coverage is subject to eligibility requirements and all applicable eligibility requirements must be met before the benefit is provided. Eligibility for this benefit cannot be guaranteed based solely on your chronic condition. Coverage is dependent upon additional factors. Not all members will qualify. For more information, please reach out to our customer service team.

Featured in:

Our plans
include:

  • Hearing Benefits

  • OTC Benefits

  • Dental Benefits

  • Vision Benefits

  • Non-emergent
    Transportation

  • In-home
    Support Services

Learn More
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Want to learn more about Troy Medicare?

We are available 8am to 8pm Eastern Time
October 1 to March 31, 7 days a week
April 1 to September 30, Monday to Friday

Call us:
1-888-494-TROY (8769)
TTY:711

Member Call Center Representatives are available 8am to 8pm Eastern Time, Monday to Friday (from October 1 to March 31, 8am to 8pm Eastern Time, 7 days a week).

Toll-free number
1-888-494-TROY (8769)
TTY:711
Fax: 1-919-375-3533
Plan Information
About Us
Policies
Policies
PO Box 1378, Westborough, MA 01581
Last Updated: 10/1/2025

Powered by Troy.AI © 2025 Troy Health, Inc. All Rights Reserved.

Troy Medicare is available to anyone who is eligible for Medicare Part A and Part B and resides in Alexander, Anson, Bladen, Buncombe, Burke, Caldwell, Catawba, Chatham, Columbus, Cumberland, Durham, Franklin, Granville, Harnett, Haywood, Henderson, Hoke, Iredell, Jackson, Lee, McDowell, Mitchell, Montgomery, Moore, Orange, Person, Polk, Richmond, Robeson, Sampson, Scotland, Swain, Transylvania, Vance, or Yancey counties in North Carolina.

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Plans are offered through Troy Medicare, a Medicare Advantage HMO and HMO D-SNP organization with a Medicare contract. Enrollment in these plans depends on the planʼs contract renewal with Medicare. Troy Medicare HMO D-SNP also has a contract with state Medicaid.

Benefits, formulary, provider, pharmacy network, premium and/or copayments/coinsurance may change on January 1 of each year. Member premiums, copays, coinsurance, and deductibles may vary based on the level of Extra Help you receive. Please contact the plan for further details. 

Troy does not discriminate or exclude people because of their race, color, national origin, ancestry, age, disability, ethnicity, sex, sexual orientation, gender, gender identity or expression, marital status, religion, or language.

The Formulary may change at any time. You will receive notice when necessary. 

You must generally use network pharmacies to use your prescription drug benefit.

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This information is not a complete description of benefits. Call 1-888-494-TROY (8769) (TTY 711) for more information.

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This document is available in alternative formats. If you need this document in an alternative format, call Member Service at 1-888-494-TROY (8769) (TTY:711).

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To report suspected incidents of non-compliance and/or fraud, waste or abuse, you can contact Troy Medicare directly or anonymously:

→ Troy Ethics & Compliance Reporting Portal

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Your assistance may help curtail the costs of healthcare to our members. Troy will not retaliate against any individual for reporting made in good faith.

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Medicare beneficiaries may also enroll in Troy Medicare through the CMS Medicare Online Enrollment Center located at https://www.medicare.gov.

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ATTENTION: If you do not speak English, language assistance services, free of charge, are available to you. Call 1-888-494-TROY (8769)(TTY:711).

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Troy Medicare(HMO)’s pharmacy network includes limited, lower-cost, preferred pharmacies in our service areas. You can go to all pharmacies listed in our Pharmacy Directory, but your costs for some drugs may be less at pharmacies in this list that offer preferred cost sharing. We have marked these pharmacies with "PREFERRED" under the Cost Sharing column in our Pharmacy Directory to distinguish them from other pharmacies in our network that offer standard cost sharing. An updated Pharmacy Directory can be located on our website. You may also call Troy Medicare (HMO) or Troy Medicare for Dual-eligible Beneficiaries (HMO D-SNP) Pharmacy Member Service at 1-866-423-8065 (TTY/TDD users should call 711) for updated information.

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