2023 EmblemHealth VIP Reserve Classic (HMO) | EmblemHealth

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EmblemHealth VIP Reserve Classic (HMO)

You will pay $0 each month for the plan. With this plan, you will pay $0 to see your primary care doctor and $25 to see specialists in-network.

This plan provides benefits Original Medicare does not cover, like comprehensive dental, hearing aid allowance, eyewear allowance, and a SilverSneakers® membership and $25 a month for over-the-counter (OTC) items through mail order.


Available in the following counties: Bronx, Kings, New York, and Queens


Provider Network: VIP Reserve


Your level of Extra Help
All levels $0.00

Benefit Summary

Type of Care Copay
Primary care doctor visit:  $0
Specialist doctor visit: $25
Preventive care (services that keep you healthy): $0
Urgently needed services: $60
Emergency room: $95
Inpatient hospital coverage: $492 per day 1-4, $0 each additional day
Lab services: $0 or $15


Type of Care Copay
X-rays: $40
Foot care:  $40
Dental services (no annual dollar limit): Comprehensive and Preventive
Hearing aids: $750 every 3 years
Routine eyewear: $600 every 2 years
24-Hour Nurse Line: Yes
Teladoc®: $45
Prescription drug: Yes

Drug Coverage

Having the medicines you need is an important part of staying healthy, which is why we take our pharmacy offerings very seriously. We strive to help you make sure you can afford the medicines you take. Our formulary gives you access to thousands of them, and our pharmacy network is large enough to provide the choices you need—close to home.




(The amount you pay before your plan starts to pay)

You Pay



30-Day Supply

You Pay


Over $4,660

30-Day Supply

You Pay


Over $7,400

You Pay

Tier 1 Preferred Generic Drugs $0 $2 25% 5% or $4.15
Tier 2 Generic Drugs $0 $15 25% 5% or $4.15
Tier 3 Preferred Brand Drugs* $325 $42 25% 5% or $10.35
Tier 4 Non-Preferred Drugs $325 $95 25%

5% or $4.15 for generic/preferred multisource drugs

5% or $10.35 for all other drugs

Tier 5 Specialty Drugs $325 27% of the cost 25%

5% or $4.15 for generic/preferred multisource drugs

5% or $10.35 for all other drugs

Tier 6 Select Care Drugs




5% or $4.15

Drug Cost Calculator

Use our Cost Calculator tool to estimate your prescription drug costs. Enter the prescription drugs you take and we'll show you your monthly drug costs.


Plan Documents

Health Insurance Plan of Greater New York (HIP) is an HMO/HMO D-SNP plan with a Medicare contract and a contract with the New York State Department of Health. Enrollment in HIP depends on contract renewal. HIP is an EmblemHealth company.

SilverSneakers and the SilverSneakers shoe logotype are registered trademarks of Tivity Health, Inc. © 2022 Tivity Health, Inc. All rights reserved. All rights reserved. Teladoc and related marks are trademarks of Teladoc Health, Inc. and are used by EmblemHealth with permission.

You will need the Adobe® Acrobat Reader software to view files in the Portable Document Format (PDF). If you don’t already have it, you can download a copy from Adobe® here.

Last Update 10/01/2022