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Commercial Networks and Benefit Plans
EmblemHealth offers fully insured large groups and organizations seeking administrative services the Bridge Program. Bridge is an innovative concept that gives our members access to a combination of our existing networks through our affiliated companies and partners. See Extended Networks’ Geographic Coverage Area below. Learn more about the Bridge Program.
EmblemHealth and its affiliate ConnectiCare Insurance Company, Inc. partner with QualCare and First Health to provide coverage for some of our plans beyond our own contracted networks’ geographic coverage. These extended networks are considered in-network for our members, based on their geography, as follows:
Bridge Program (EmblemHealth and ConnectiCare)
QualCare = New Jersey only
First Health Network (FHN) = National access except in the states listed below:
- Connecticut
- Massachusetts’s 4 counties (Berkshire, Hampden, Hampshire, and Franklin)
- New Jersey
- New York’s 28 counties (Albany, Bronx, Broome, Columbia, Delaware, Dutchess, Fulton, Greene, Kings, Montgomery, Nassau, New York, Orange, Otsego, Putnam, Queens, Rensselaer, Richmond, Rockland, Saratoga, Schenectady, Schoharie, Suffolk, Sullivan, Ulster, Warren, Washington, and Westchester)*
*FHN is in-network in New York, outside of these 28 counties.
ConnectiCare Insurance Company, Inc.’s Flex Network
First Health Network (FHN) = National access except in the states listed below:
- Connecticut
- Massachusetts’s 4 counties (Berkshire, Hampden, Hampshire, and Franklin)
- New York’s 28 counties (Albany, Bronx, Broome, Columbia, Delaware, Dutchess, Fulton, Greene, Kings, Montgomery, Nassau, New York, Orange, Otsego, Putnam, Queens, Rensselaer, Richmond, Rockland, Saratoga, Schenectady, Schoharie, Suffolk, Sullivan, Ulster, Warren, Washington, and Westchester)*
*FHN is in-network in New York, outside of these 28 counties.
For a complete list of the commercial plans offered and their corresponding networks, along with details including member cost-shares, service areas, and referral requirements, see:
- 2024 Summary of Companies, Lines of Business, Networks & Benefit Plans
- 2023 Summary of Companies, Lines of Business, Networks & Benefit Plans
To easily determine if you or a provider you manage is in-network for an EmblemHealth or ConnectiCare member, use the Check Provider Network Status tool in the Member Management section of the provider portal.
In 2024, we are making some changes to the service areas and networks that are linked to certain benefit plans.
We are not changing the composition of the provider networks. You may continue to see members who have the networks you participate in. It is possible, however, that some of your patients will select plans with networks you do not participate in. For each appointment, check member ID cards and use the Check Provider Network Status tool in the Member Management section of the provider portal to see if you are in-network for the patient.
To make it easier to see if a benefit plan uses a network you are in, we are changing some plan names to include the network name.
See the sections below for our 2024 portfolio updates.
The Essential Plan is a health insurance plan for low-income New Yorkers who do not qualify for Medicaid. Members use the Enhanced Care Prime Network, which also serves our Medicaid and HARP members.
There are four variations of the Essential Plan: Essential Plan 1, 2, 3, and 4. Depending on your income and other eligibility criteria, you will be enrolled in the plan that you qualify for.
In 2024, individual and family plans underwritten by Health Insurance Plan of Greater New York (HIP) will continue to be sold on and off the New York State of Health Marketplace. The plans offered and the networks paired with each plan will be determined by the plan subscriber’s county of residence. To make it easier to see which network a benefit plan uses, we are changing the plan names to include the network name. The following chart summarizes which plans and networks will be offered based on county.
Note: Unlike the 2023 benefit plans that use the Prime Network with reciprocity with ConnectiCare’s Choice Network and QualCare coverage in New Jersey, the Select Care Network and Millennium Network are limited to providers in New York.
In 2024, EmblemHealth small group plans are sold on and off the NY State of Health Marketplace. All plans are underwritten by Health Insurance Plan of Greater New York (HIP) and have access to the Select Care Network (New York only) beginning Jan. 1, 2024, or upon the group renewal.
EmblemHealth Platinum, Gold, and Silver Premier plans have out-of-network coverage for most services.
To help members keep costs down, their cost-sharing responsibilities for the following services may be lower based on place of service:
- Infusion Therapy
- Laboratory Services
- Radiology Services
For example, the highest cost-sharing will apply when the services are provided in an outpatient hospital setting and the lowest cost-sharing will apply when services are provided in freestanding facilities and/or provided by primary care physicians (PCPs) in their offices.
Note: Unlike the 2023 benefit plans that use the Prime Network with reciprocity with ConnectiCare’s Choice Network and QualCare coverage in New Jersey, the Select Care Network is limited to providers in New York.
The following chart summarizes which plans and networks will be offered:
2024 Dental Plans
We are also simplifying our dental plan offerings, and in 2024 small groups will have the option of enrolling in one of four plan choices.
Please look at the member ID card when determining which network(s) the member’s plan uses. Plans that need a referral have a PCP shown on the front of the card. Plans that don’t require referrals no longer have a PCP name on the ID card. Providers and members can confirm PCP names through our provider and member portals, respectively. Members can select a PCP whether their plan requires it or not. Members may also change their PCP at any time.
Please refer to the Sample ID Cards section of the EmblemHealth Provider Manual to see representative ID cards for all our members.
For helpful resources to assist your practice in coordinating care for EmblemHealth members, see Clinical Corner and the Utilization and Care Management chapter of the EmblemHealth Provider Manual. For ConnectiCare members, see Clinical Information and Coverage Guidelines.
Also take advantage of the Quality Improvement resources including the Comprehensive CAHPS Guide and Tips to Improve Member Satisfaction.
Please encourage your members to complete the Consumer Assessment of Healthcare Providers and Systems (CAHPS®) if they are selected for the survey sample.
See the Dispute Resolution for Commercial and Child Health Plus Plans chapter of the EmblemHealth Provider Manual. Contracted time frames in provider agreements will supersede time frames in this guide. For facility time frames, see the EmblemHealth Provider Manual or applicable agreement.
Member ID cards for 2022 have been redesigned. Plans that need a referral have a primary care doctor (PCP) shown on the front of the card. Plans without referrals no longer have a PCP name on the ID cards. Providers and members can confirm PCP names through our Provider and Member portals, respectively. Members can select a PCP whether their plan requires it or not, and this ID card design change does not affect the member’s PCP selection. There will be no changes made to a member’s assigned PCP.
Please refer to the Sample ID Cards section of the EmblemHealth Provider Manual to see representative ID cards for all our members.
JP63157 10/23
