INSURANCE PLUS Rose Gagliardi 15 West Main Street President Oyster Bay, NY 11771 516-922-1200 / 212-268-4473 516-922-2801 fax [email protected]www.insuranceplusny.com November 20, 2017 2018 HEALTH INSURANCE OPTIONS **2018 OPEN-ENROLLMENT: November 1, 2017 thru January 31, 2018** **In order to enroll on an INDIVIDUAL MARKETPLACE PLAN outside of Open Enrollment, one must have a qualifying event (i.e. loss of employment, involuntary termination of health insurance, marriage, etc.). Please note that this open- enrollment period DOES NOT apply to the small and large group programs mentioned in this document. PLEASE BE AWARE THAT CARE CONNECT WILL BE CANCELLING ALL INDIVIDUAL POLICIES AS OF DECEMBER 31, 2017. IN ADDITION, EMPIRE BLUE CROSS/BLUE SHIELD (PATHWAYS NETWORK) WILL ALSO BE CANCELLING THEIR INDIVIDUAL PLANS, BUT ANNOUNCED THEY MAY BE OFFERING A FEW PROGRAMS FOR 2018. MORE INFORMATION WILL BE ANNOUNCED JUST PRIOR TO NOV. 1 ST . See following pages for plans
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INSURANCE PLUS Rose Gagliardi 15 West Main Street President Oyster Bay, NY 11771 516-922-1200 / 212-268-4473 516-922-2801 fax
2018 NY INDIVIDUAL MARKETPLACE PROGRAMS* *additional marketplace programs available on the exchange
Emblem Health (www.emblemhealth.com)
Platinum D (EMBLEM/ HIP PRIME NETWORK) In Network Only, Referrals Required Office Copays PCP $15 / Specialist $35 Single $948 Deductible / Coinsurance N/A – 10% coins. DME & pediatric eyeglasses Couple $1,896
Maximum Out of Pocket $2,000 / $4,000(Family) Parent/Child $1,611
Prescription Plan $10/$30/$60 Family $2,702
Gold D (EMBLEM/ HIP PRIME NETWORK) In Network Only, Referrals Required
Office Copays PCP $25 after deductible / Specialist $40 after deductible Single $794 Deductible / Coinsurance $600/$1,200(Family) Ded / 20% Coins DME & ped. eyeglasses Couple $1,589
Maximum Out of Pocket $4,000 / $8,000(Family) Parent/Child $1,350
Prescription Plan $10/$35/$70 Family $2,264
Silver D (EMBLEM/ HIP PRIME NETWORK) In Network Only, Referrals Required
Office Copays PCP $30 after deductible / Specialist $50 after deductible Single $652 Deductible / Coinsurance $2,000/$4,000(Family) Ded / 30% Coins DME & ped. eyeglasses Couple $1,303
Maximum Out of Pocket $6,750 / $13,500 (Family) Parent/Child $1,108
Prescription Plan $10/$35/$70 Family $1,857
Bronze D (EMBLEM/ HIP PRIME NETWORK) In Network Only, Referrals Required Office Copays 50% after Deductible Single $514 Deductible / Coinsurance $4,000/$8,000(Family) Deductible / 50% Coinsurance Couple $1,029
Maximum Out of Pocket $7,150/ $14,300 (Family) Parent/Child $874
Prescription Plan $10/$35/$70 after plan deductible Family $1,466
Catastrophic (EMBLEM/ HIP PRIME NETWORK) In Network Only, Referrals Required Office Copays PCP - First 3 FREE, then 0% after deduct. / Spec. 0% after ded. Single $323 Deductible / Coinsurance $7,350 / $14,700 (Family) Couple $646
Maximum Out of Pocket $7,350 / $14,700 (Family) Parent/Child $549
Prescription Plan 0% after plan deductible Family $921
Silver Value (EMBLEM SELECT CARE NETWORK) In Network Only, Referrals Required Office Copays PCP -First 3 FREE, then $35 copay / Specialist - $55 copay Single $526 Deductible / Coinsurance $5,800 / $11,600 (Family) / 0% after deductible Couple $1,053
Maximum Out of Pocket $5,800 / $11,600 (Family) Parent/Child $895
Prescription Plan Generic - $10 copay / T2&3 - $0 after deductible Family $1,501
Bronze Value (EMBLEM SELECT CARE NETWORK) In Network Only, Referrals Required Office Copays PCP – First 2 FREE, then 0% after deduct. / Spec. – 0% after ded. Single $453 Deductible / Coinsurance $7,150 / $1,4300 (Family) / 0% Coinsurance Couple $907
Maximum Out of Pocket $7,150/ $14,300 (Family) Parent/Child $771
Prescription Plan Generic - $30 copay / T2&3 - $0 after deductible Family $1,292
Oscar – Not HSA Compatible (www.hioscar.com)
Platinum Classic (OSCAR NETWORK) In Network Only, No Referrals
Office Copays
$15 / Specialist $35 Single $834
Deductible / Coinsurance N/A Couple $1,669
Maximum Out of Pocket $2,000/$4,000(family) Parent/Child $1,419
Prescription Plan $10/$30/$60 Family $2,378
Gold Classic (OSCAR NETWORK) In Network Only, No Referrals Office Copays
$25 after Deductible / Specialist $40 after Deductible Single $701 Deductible / Coinsurance $600/$1,200(Family) Deductible / Copays after deductible Couple $1,402
Maximum Out of Pocket $6,750 / $13,500 (Family) Parent/Child $1,192
Prescription Plan $10/$35/$70 Family $1,998
Silver Classic (OSCAR NETWORK) In Network Only, No Referrals Office Copays
$30 after Deductible / Specialist $50 after Deductible Single $590 Deductible / Coinsurance $2,000/$4,000(Family) Deductible / Copays after deductible Couple $1,179
Maximum Out of Pocket $6,750 / $13,500 (Family) Parent/Child $1,002
Prescription Plan $10/$35/$70 Family $1,680
Bronze Classic (OSCAR NETWORK) In Network Only, No Referrals Office Copays
50% after Deductible / Specialist 50% after Deductible Single $429
Prescription Plan Full Price to Deductible Family $486
HEALTH INSURANCE OPTIONS
For
CORPORATION / LLC* *Note that small group programs offered through corporations or LLCs are not
subject to the open-enrollment period and can be installed any month of the year.
OXFORD Platinum FREEDOM PPO: NO REFERRALS REQUIRED
When using FREEDOM providers, you have a: Office Visit - $20 Primary Copay / $40 Specialist Copay Preventive Care – No Charge No Plan Deductible Emergency Room - $200 Outpatient Facility - $100 copay Hospital Admission - $500 copay
When using Prime Network providers, you have a: Annual Deductible - $250/$500 Office Visit – Copays after Deductible - $40 PCP /$60 Specialist Preventive Care – No Charge Emergency Room - $200 co-pay after Deductible Outpatient Facility - $150 copay after Deductible Hospital Admission - $1,500 per visit after Deductible Urgent Care - $60 copay after Deductible
Prescription Drug Card - $15/$35/$75 ($100 Deductible)
*MONTHLY RATE: $739 Single/ $1,479 Couple/ $1,257 Single Parent / $2,107 Family
*RATES VALID THROUGH 3/31/2018 PHYSICIAN DIRECTORY: www.emblemhealth.com
*Note that large group programs offered through unions, PEO’s and associations
are not subject to the open-enrollment period and one can enroll any month
throughout the year
Eligibility Required
HIP
EMPIRE
CIGNA
DENTAL INSURANCE OPTIONS
For
CORPORATION/LLC
**OXFORD (OBM) – DENTAL / VISION PLAN:
ELITE SPECIALTY PLAN OPTION
DENTAL BENEFIT – Can use Oxford provider or provider of choice.
No Waiting Period on Basic and Major Services (optional) $50/$150 Annual Deductible $1,000 Annual Maximum ($1,500 optional) Discounts include Wellness, Alternative Medicine, and Infertility
When using an Oxf ord PROVIDER, you have a:
100% Coverage for Preventative 80% Coverage after Deductible for Basic Restorative 50% Coverage after Deductible for Major Care
When using YOUR OWN DOCTOR**, you have a:
100% Coverage for Preventative 80% Coverage after Deductible for Basic Restorative 50% Coverage after Deductible for Major Care **Out-of-network benefits are paid based on UHC Dental’s Maximum Allowable Charge.
VISION BENEFIT – Can use Oxford provider or provider of choice.
Benefits include eye exams, frames, lenses, contact lenses.
Benefits are subject to copays and reimbursement schedule.
*MONTHLY RATES: $43 Single / $73 Couple / $76 Single Parent / $110 Family
PROVIDERS DIRECTORY: www.oxhp.com
*Rates are subject to change and to final underwriting. **ADDITIONAL PROGRAMS ARE AVAILABLE.
DENTAL INSURANCE OPTIONS
For
INDEPENDENT CONTRACTORS
GUARDIAN Managed Choice DMO – DENTAL PLAN
When using a GUARDIAN Managed DentalGuard Network dentist, you have a: Deductible - $0 No Annual Maximum No Waiting Period Office Visit - $5 copay Preventive – Exam, Cleanings, X-rays – No charge Fee Schedule applies for: Diagnostic / Basic Restorative/ Periodontal / Endodontic / Oral Surgery Prosthetics Repairs / Crown and Bridges / Dentures /Orthodontic
*MONTHLY RATES: $51 Single / $78 Emp + 1 / $105 Family