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  • 2019 Provider Networks and Member Benefit Plans > Underwriting Companies

    EmblemHealth’s HIP HMO, GHI HMO, and Vytra HMO plans are underwritten by Health Insurance Plan of Greater New York. HIP POS plans are underwritten by both Health Insurance Plan of Greater New York and HIP Insurance Company of New York (HIPIC), and HIP EPO/PPO plans are underwritten by HIPIC. EmblemHealth’s GHI EPO/PPO plans are underwritten by Group Health Incorporated (GHI).

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    Glossary terms found on this page:

    A health care benefit arrangement that is similar to a preferred provider organization in administration, structure and operation but does not cover out-of-network care. Also called an Exclusive Provider Organization.

    An organization that provides comprehensive health care coverage to its members through a network of doctors, hospitals and other health care providers. Also called a Health Maintenance Organization.

    A type of health benefit plan that allows enrollees to go outside the health plan's provider network for care, but requires enrollees to pay higher out-of-pocket fees when they do. Also called Point of Service.

    A health plan that offers benefits in-network and out-of-network. In-network services are available to enrollees at lower out-of-pocket cost than the services of non-network providers. In addition, PPO enrollees may self-refer to any network provider at any time. Also called a Preferred Provider Organization.

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