Our VIP Value plan offers benefits and extras to help you stay healthy. It’s a smart choice if you want a $0 monthly premium.
Medicare Advantage
EmblemHealth VIP Value (HMO)
Quality Care With $0 Premiums
Get care from trusted doctors and hospitals in our VIP Bold Network, plus prescription drug coverage. With a $0 premium and no deductible, this plan helps keep your monthly costs low.
Medical deductible: $0
Maximum out-of-pocket: $9,850
| Plan Features | VIP Value |
|---|---|
| Monthly Premium | $0 |
| Network | VIP Bold |
| Plan Service Area | Available in Westchester County |
| Summary of Benefits and Coverage | View PDF |
| Show More | |
| Primary Care Provider (PCP) Visit | $0 copay |
| Specialist Visit | $50 copay |
| Preventive Care | $0 copay |
| Dental Services | $0 copay for preventive services $0 – $150 copay for comprehensive services |
| Urgently Needed Services | $40 copay |
| Emergency Care | $115 copay |
| Inpatient Hospital Coverage | $408 per day for days 1–6 $0 per day for each additional day |
| Ambulatory Surgery Center Visit | $0 copay for diagnostic colonoscopy $250 copay for other services |
| Outpatient Facility Services | $0 copay for diagnostic colonoscopy $450 copay for other services |
| Lab Services | $0 or $15 copay* |
| X-rays | $25 copay or 20% of the cost* |
| Foot Care | $45 copay |
| Routine Eyewear | Up to $150 every year |
| Hearing Aids | Up to $1,000 every year |
| Acupuncture | $45 copay for chronic lower back pain, limited to 20 visits Plus, $0 copay for up to 12 additional visits other than chronic low back pain. |
| Teladoc® | $0 copay |
| Fitness Program | SilverSneakers® membership at no additional cost |
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*Lower cost when services are provided in a doctor’s office or independent facility.
For a complete list of covered services, see the Evidence of Coverage (EOC).
Drug deductible: $650; for Tiers 3, 4, and 5
Initial coverage stage: $0 - $2,400
| Tier | Retail Pharmacy (30-Day Supply) | Mail-Order Pharmacy |
|---|---|---|
| Tier 1 Preferred Generic | $0 copay | 30-day supply: $0 copay 90-day supply: $0 copay |
| Tier 2 Generic | $2 copay | 30-day supply: $0 copay 90-day supply: $0 copay |
| Tier 3 Preferred Brand | 20% of the cost | 30-day supply: 18% of the cost 90-day supply: 18% of the cost |
| Tier 4 Non-Preferred Drugs | 25% of the cost | 30-day supply: 23% of the cost 90-day supply: 23% of the cost |
| Tier 5 Specialty | 25% of the cost | 30-day supply: 25% of the cost 90-day supply: n/a |
| Tier 6 Select Care Drugs | $0 copay | 30-day supply: $0 copay 90-day supply: $0 copay |
See more EmblemHealth Medicare Advantage plan options.
Helpful Resources
Tools and information to help you manage your care and coverage.
Learn About Medicare
Find important information about Medicare, what sets EmblemHealth apart, and how to enroll when you’re ready.
Health Insurance Plan of Greater New York (HIP) is an HMO plan with a Medicare contract. Enrollment in HIP depends on contract renewal. HIP is an EmblemHealth company.
Every year, Medicare evaluates plans based on a 5-star rating system.
SilverSneakers is a registered trademark of Tivity Health, Inc. © 2026 Tivity Health, Inc. All rights reserved.
Teladoc and related marks are trademarks of Teladoc Health, Inc. and are used by EmblemHealth with permission.
Last Updated: 10/01/2026
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