Get the Choice and Flexibility Your Members Expect

Our broad selection of plans gives fund trustees the flexibility to offer multiple options to their union membership. You can choose from:

Preferred Provider Organization (PPO) and InBalance PPO plans that combine family-friendly benefit designs (no referrals required) with freedom of provider choice, through the EmblemHealth National Network. Members also have the freedom to go out-of network for additional out-of-pocket costs. The InBalance option lowers group premiums by increasing member cost-sharing for certain services.

Exclusive Provider Organization (EPO) and InBalance EPO plans are an attractive and affordable option. In addition to access to the EmblemHealth National Network, this family-friendly plan also offers in-network-only benefits and no referrals are required. The InBalance option lowers group premiums by increasing member cost-sharing for certain services.

Consumer Direct PPO and Consumer Direct EPO plans offer low group premiums based on higher-than-customary member deductibles. These high-deductible health plans help groups offset member costs with tax-saving Health Savings Accounts (HSAs).

CompreHealth EPO plans cover in-network-only benefits, with no referrals required, and offers access to the EmblemHealth NY Metro Network, with leading physicians and other medical practitioners across New York City and Nassau, Suffolk and southern Westchester counties. This option also features multispecialty physician group practices that offer a broad range of medical services, typically under one roof, as well as access to the metro area's leading hospitals.

Dental Plans. We offer a choice of three programs featuring different benefit designs, network size and cost-sharing responsibilities, ranging from paid-in-full network coverage to in-network discounts on more costly services.

Pharmacy Services Program. This option is available by separate rider, provides a wide range of retail and mail order prescription drug benefits, as well as an extensive formulary of drugs covered by the prescription plan.

Your EmblemHealth sales representative will work closely with you to help put together a plan design that best serves your union members' needs.