The Smart Plan

At eternalHealth, we understand your needs and desires when it comes to a plan. By efficiently managing our costs, we are able to deliver the benefits that truly matter to you. 

Medicare Advantage Plans Packed With Benefits That Enhance Your Quality of Life


$0 premium plans, PCP and specialist, visits, preventive services, labs, and more!


Up to $4,500 annual allowance to use for comprehensive and preventive services with no required network. See any dentist you want!

Unlimited Transportation

Need a ride? Our plans offer unlimited rides to and from your doctor appointments and the pharmacy. Book in advance or on demand!

Part B Give Back*

Enroll into one of our Give Back plans that reduces your Part B premium, saving you money each month!

Healthy Grocery Allowance**

Grab fresh produce from your local store with a healthy grocery allowance. Combine it with your OTC allowance and purchase either or!

OTC Allowance

Our members have a quarterly OTC allowance to use towards everyday items like cough and cold or first aid!

Mail Order Rx***

Get a 100-day supply mailed to your front door for the same cost as a 30-day supply for Tier 1-3.

Explore your options to see which plan empowers you to make the most of your healthcare.

*The Part B Give Back is not available with all plans.

**The Healthy Grocery benefit is a special supplemental benefit available only to members with eligible chronic health conditions.
The healthy grocery allowance is not available with all plans.

***Prescription drugs not available with all plans

A Plan That Cares

A case management team that treats you with the same care and attention as if you were a part of their family. Our close collaboration with your providers and specialists ensures that you receive the utmost care and support. 

Take Advantage of Coordinated Care

We've Got Your Back, Whenever You Need Us

Our dedicated member services team is prepared to assist you with any questions you may have, information on your benefits, finding a provider, or scheduling an appointment! Navigating your health plan can be overwhelming, but give us a call and let our experts be your guide!

Who Better To Trust Than Our Very Own Members?

“The team at eternalHealth have taken great care of me and listened to my concerns without judgement. I really appreciate all the work they have done for me so far. They are like having a good friend you can trust, and I am so happy I joined their plan.”

– William, Worcester County

Our Medicare experts are available
to answer all your questions.

Yes, I would like a licensed agent to contact me by phone or email for an appointment to discuss coverage options and eternalHealth Medicare Advantage plans.

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Page Last Updated On: October 25, 2023
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Tom Cunniffe

Tom Cunniffe

Director of Operations 

Tom Cunniffe comes to eternalHealth with over 20 years of healthcare operations’ experience, having held leadership positions in Call Center, Enrollment, Credentialing, UAT and Reimbursement teams. Tom has worked with Medicaid, Commercial and Medicare lines of business and has consistently built teams who are metrics driven with proven successful outcomes. Making sure our business strives for an efficient, best-in-class customer experience is at the center of Tom’s philosophy.

Tom has a bachelor’s degree from Fordham University and a master’s in business administration from University of Massachusetts at Amherst.

Tom Lawless

Tom Lawless

Chief Financial Officer

Tom Lawless has spent the past 20+ years building, sustaining, and growing new healthcare-related programs that balance fiscal responsibility & prudence with creativity & innovation, focusing on models of care that are novel, person-centered, and improve the social welfare of those who are served. He is very excited to continue doing so in his role as the Chief Financial Officer of eternalHealth.

Tom comes to eternalHealth from a not-for-profit, member-centric, health insurance cooperative. He helped the company continuously strive toward its dual goals of thriving financially, while keeping members at the very epicenter of its mission and service model. While there, Tom also spearheaded the creation of a brand new private, charitable foundation, which will be meaningfully giving back to those in need in the surrounding communities for years to come. Previously, Tom worked in the finance department of a successful hospice that provided high-quality care to persons experiencing their unique and poignant end-of-life journeys, assuring that the appropriate financing was always available. Tom’s career began as a civil servant in the Wisconsin Medicaid program, where he helped to create a program that expanded the institutional entitlement to care into home and community-based settings. Starting with only a blueprint in hand, the program now serves more than 57,000 frail elders and disabled adults and is considered a national model. Growing into a senior leadership role, Tom was a key architect of an innovative financing model, through which the public and private sectors successfully collaborated to better the lives of persons in great need.

Tom holds undergraduate and graduate degrees from the University of Chicago, with additional graduate work in economics completed at the University Wisconsin-Madison.

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