Employer/Group Plans
This is coverage offered by employers. We offer a wide range of plan options to meet the need of small to large businesses. |
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Plan |
Description |
Coverage |
Premium |
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| Community * |
Our top-of-the-line plan with extensive benefits and low copays. |
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| Opportunity * |
The health plan with a modest cost and a modest benefit package. |
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| Preferred EPO |
High quality health care coast-to-coast. Access to physicians and specialists nationwide. |
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| USdirect (PPO) |
High quality health care coast-to-coast. Access to physicians and specialists nationwide. |
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plans
vary |
plans
vary |
| CareFund HRA |
This consumer-directed health plan (CDHP) is paired with a health reimbursement arrangement (HRA) and Web-based tools to help you manage your health care. |
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| CareFund HSA |
This consumer-directed health plan (CDHP) is paired with a health savings account (HSA) and Web-based
tools to help you manage your health care. |
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| MyCare |
Our newest consumer-directed health plan (CDHP) with Web-based tools that help you manage your health care. |
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| TriVantage * |
Three unique packages with special benefits to meet your individual needs. |
| [1] Active Lifestyles |
Includes $300 toward a gym membership. |
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| [2] Family Focus |
Includes low or no copays for routine care or sick child visits and no copay for pre-natal visits. Also includes coverage for swimming and driving lessons. |
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| [3] Healthy Alternatives |
Includes non-traditional therapies such as chiropractic, acupuncture, massage and out-of-area coverage. |
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| Basix * |
One of our lowest-cost plans, with basic coverage and higher copays. Included routine doctor visits, preventive and emergency care. |
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| Gold |
For people eligible for and enrolled in Medicare Parts A & B by virtue of age (65+) or disability. |
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| GoldAnywhere (PPO) |
A Medicare health plan that gives you flexibility to see any doctor, anywhere, any time, or lower your "out-of-pocket" costs by using "in-network" doctors. |
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| Healthy New York |
A reduced-cost health insurance program for employed working uninsured individuals and employer groups in NY State (must meet State requirements). |
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| Employer Self-funded |
For employers who fund their own plans and would like to have administrative services provided by Preferred Administrative Services (an affiliate of Preferred Care). |
plans
vary |
plans
vary |
plans
vary |
| *Note: Our Community, Opportunity, Basix and TriVantage plans are each available with Out-of-Network benefits (point of service) if an employer group meets specific guidelines. |
Individual Plans
Coverage for individuals and their families that are looking for health care coverage on their own. |
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Plan |
Description |
Coverage |
Premium |
Copay/
Coinsurance |
| Gold |
For people eligible for and enrolled in Medicare Parts A & B by virtue of age (65+) or disability. |
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| GoldAnywhere (PPO) |
A Medicare health plan that gives you flexibility to see any doctor, anywhere, any time, or lower your "out-of-pocket" costs by using "in-network" doctors. |
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Option
(Including Family Health Plus) |
Coverage for individuals who are eligible for Medicaid benefits. |
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| Personal Plans:
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A wide range of benefits for individuals who currently do not receive coverage from an employer group and are not eligible for Medicaid or Medicare. |
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| [2] POS |
Benefits for individuals who currently do not receive coverage from an employer group and are not eligible for Medicaid or Medicare. Includes out-of-area coverage. |
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| Healthy New York |
A reduced-cost health insurance program for employed working uninsured individuals and employer groups in NY State (must meet State requirements). |
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Need
help choosing a health plan?
