GHI Senior Care

If you are a Medicare-eligible retiree, you have the option of enrolling in the GHI/Empire BlueCross BlueShield Senior Care program, a Medicare Supplement program.

After you have satisfied the Medicare Part B deductible, you will be responsible for an additional $50 of covered Senior Care services per individual, per calendar year. GHI then pays the Medicare Part B coinsurance (that is, 20% of Medicare Allowed Charges) for covered services for that calendar year.

Please note that the separate $25 calendar year deductible for private duty nursing, ambulance, and durable medical equipment will remain unchanged.

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GHI Senior Care | EmblemHealth

Under this plan, GHI supplements Medicare for the following benefits, subject to a deductible:

  • Office visits
  • $0 copay at an AdvantageCare Physicians provider or Montefiore faculty-based center
  • In-home nursing services
  • In-hospital physician services
  • Laboratory tests
  • Outpatient hospital services
  • Radiation therapy
  • Specialist consultations
  • Speech therapy
  • Surgery and anesthesia
  • X-ray examinations

You can enhance your Senior Care program with the following services:

  • Enhanced Medicare Part D benefits for prescriptions received at network pharmacies and home delivery service
  • Increased inpatient hospital benefit to 365 days (underwritten by and provided through Empire BlueCross BlueShield)


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With our robust network of quality doctors, you can get care from many of the region’s leading doctors, clinicians and facilities, including hospitals and urgent care centers.


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AdvantageCare Physicians are the newest addition to the EmblemHealth family and are now one of the largest primary and specialty care practices in New York City. With 37 locations throughout New York City and Long Island, you can find a convenient location near home or work.