DC37 Med-Team

Welcome to your plan.

The DC37 Med-Team gives you the freedom to choose in-network or out-of-network doctors. You can see any network doctor without a referral. In most cases, when you see a network doctor, your cost will just be a copay. When you choose to use out-of-network doctors, payment for covered services will be made under your plan. You will be responsible for any difference between the provider’s fee and the amount of the reimbursement, in addition to deductibles and coinsurance; therefore, you may have a substantial out-of-pocket expense. This plan is offered to employees and non-Medicare eligible retirees.

Key Plan Features

DC37 Med-Team offers great coverage everyone can afford. You get:

  • Coverage for in-network services
  • No required primary care physician (PCP)
  • Coverage of out-of-network services
  • Low copays for in-network services
  • No payroll deduction for base coverage
  • No referrals for in-network doctors
Benefits Summary Copay Out-of-Network Cost
ACPNY PCP $25 copay There will be no changes to your current out-of-pocket costs. You will still pay any applicable out-of-network cost-sharing plus the difference between the provider’s fee and GHI’s reimbursement (which may be substantial.)
ACPNY Specialist $25 copay
All Other PCPs $25 copay
All other specialty providers $25 copay
Urgent Care $50 copay
Diagnostic/Lab $25 copay
MRI/CAT/Hi-Tech Radiology $50 copay
Physical Therapy $25 copay
Emergency Room $150 copay

Benefits are subject to approval by the New York State Department of Financial Services.

Maximum Out-of-Pocket (MOOP)

MOOP generally refers to the maximum amount of in-network cost-sharing expenses that you will pay in each calendar year for covered services received from Participating Providers under your plan. MOOP includes deductibles, coinsurance and copay charge amounts that you must pay for covered in-network services and any applicable riders in a calendar year. Cost-sharing amounts attributable to services received from Non-Participating Providers generally do not count toward MOOP. Amounts incurred for non-covered services and other non-covered expenses, such as amounts in excess of plan allowances as well as any financial penalties do not count toward MOOP. Premiums and/or premium contributions also do not count toward MOOP. The MOOP amount may change from calendar year to calendar year*.

Individual MOOP Family MOOP
GHI MOOP $7,150 $14,300

*For calendar years beginning January 1, 2019 – December 31, 2019 (Subject to indexing by the federal government)

New For 2018

DC37 - Low Dose Generic Statins

Effective July 1, 2018, EmblemHealth will cover low to moderate dose generic statins for eligible members and non-Medicare eligible retirees ages 40-75 under your DC37 Med-Team plan in accordance with the Affordable Care Act.

New For 2017

EyeMed and CPS – our new vision care partner.

Learn More

EmblemHealth Behavioral Management Program

Members can call
to seek advice about mental health and substance abuse treatment. This phone line is administered by ValueOptions.