Welcome to your plan.
The GHI Comprehensive Benefits Plan (CBP) 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 the NYC Non-Participating Provider Schedule of Allowable Charges. 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 and covers medical and surgical services. Hospitalization benefits are provided to you by Empire BlueCross BlueShield, when you select GHI CBP.
Key Plan Features
GHI CBP 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
||Current in-network costs
||Out-of-network cost |
||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.)|
|All Other PCPs
|All other specialty providers
Benefits are subject to approval by the New York State Department of Financial Services.
Maximum Out-of-Pocket (MOOP)
MOOP 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 the GHI/Empire BlueCross BlueShield plans combined. 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**.
For calendar years beginning January 1, 2019 – December 31, 2019** (Subject to indexing by the federal government)
|GHI Medical MOOP
|EBCBS Hospital MOOP