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Groups
of 2-50 lives; Community rated market
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www.aetna.com
Aetna: Basic HMO, HMO Open Access and
POS plans available in the 2+market
and may be carved out to one life. Available
to firms in the tri-state area as well
as nationally. The HMO Open Access does
not require a referral to see a specialist.
POS plans are based on an 80th UCR for
out-of-network benefits. |
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www.amerihealth.com
AmeriHealth: Insuring NJ based companies
since 1995 with over 600,000 members.
Amerihealth is the wholly owned subsidiary
of Keystone BC/BS of PA offering a wide
range of plan options, HMO's, POS, and
PPO's utilizing the Multi-plan national
network of doctors in the 2+ market.
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www.atlantishp.com
Atlantis Health Plan: New to the marketplace,
Atlantis offers both HMO and POS plans
to New York City based businesses. The
HMO plans utilize their existing network
while the POS plans utilize the Multiplan
network. |
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www.cigna.com
CIGNA: POS plans and HMO plans in New
York and New Jersey. The network is
a combination of the former Healthsource
network and the CIGNA network throughout
the tri-state area. CIGNA's HMO plans
are among the most competitive in the
area and they recently streamlined pre
certification and referral policies. |
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www.ghi.com
GHI: The GHI PPO plans, utilize the
full GHI PPO network. These plans are
available to firms throughout New York
State from Buffalo to Montauk. Co-pays
are available in either $5, $10, $15
or $20 with deductibles of $500, $750
or $1,000. Out of network reimbursements
are based on HIAA at a choice of 70%,
80% or 90%. The GHI PPO network is one
of largest and includes providers not
only in NY, NJ and CT but also Florida,
Arizona, Nevada, Puerto Rico and other
areas. The PPO plans require 50% participation.
Soon this network will be available
as an EPO with much lower rates. The
new EPO plan will be offered with HMO
enrollment procedures, meaning no participation
requirements. |
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www.health.net
Guardian / Healthnet: HMO and POS Charter
plans that allow the insured direct
access to the full network with NO referral
from a gatekeeper. Available in New
York, New Jersey and Connecticut. All
plans are based on a 80th UCR for out-of-network
reimbursements. javascript:Start('http://www.phshealthplans.com/') |
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www.healthpass.com
HealthPass: This New York alliance offers
small group plans from four companies
on one application. Participating companies
are GHI, Horizon, HIP and Healthnet.
Currently available New York City, Nassau,
Suffolk, Westchester and Rockland based
businesses employing between 2 and 50
people. This program enables the small
employer to offer their employees a
choice of networks and programs that
is otherwise unavailable in this market. |
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www.hipusa.com
HIP: HIP is one of the pioneers in health
care and one of the largest Not For
Profit health care companies on the
East Coast. HIP plans are available
to New York companies in either HMO
or POS plans. |
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www.horizon-healthcare.com
Horizon Healthcare: Horizon Healthcare
brings 65 years of experience to New
York with PPO, EPO and HMO plans available
with deductibles of $250 to $3,000 and
co-pays of $10 or $20 or $30. Available
to firms in New York, the PPO plans
utilize either the national Multi Plan
network or Horizon's own VISTA network
with more competitive pricing. Horizon
also offers a Vista EPO plan which utilizes
in network deductibles and has no participation
requirements making this one of the
unique ways to offer a very inexpensive
health plan. |
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www.oxhp.com
Oxford Health Plans: POS plans as well
as Non gatekeeper POS Open Access plans
(Oxford Select) with two different networks,
Freedom and Liberty. The Freedom network
is recognized as one of the most outstanding
in the tri-state area for both PCP's
and specialists. Both networks cover
the tri-state area and all plans are
available in New York, New Jersey and
Connecticut. For employers with out
of area employees the Oxford USA program
is now available nationwide. In addition
Oxford offers their new Metro Plans
in both the Freedom and Liberty networks
with dual co-pays and some higher in
network co-pays to lower the cost. |
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www.uhc.com
United Healthcare: This highly regarded
national company specializes in offering
non gatekeeper POS plans (Choice+) .
Dual option available for plans of 10
or more lives. Their excellent networks'
cover the tri-state area. Unique telephonic
referral system for POS and HMO plans
allowing the insured access to a specialist
for up to one year per diagnosis. |
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Association
and Union plans;
Since these plans change regularly basis
please contact Yona Krauss at ykrauss@filco.net
for additional information. |
