AGING ICON

814.Empire BCBS NY

HMO

21.Aetna

 HCN NY

847.Aetna HMO

822.HIP NY

838.HealthNet NY/CT

Only doctors at participating hospitals will accept.

Bare Bones Coverage

Comprehensive Primary Care at a low cost.

Only doctors at participating hospitals will accept.

Bare Bones Coverage

VERY GOOD for Preventive Services for children and women’s care.

Doctors compare this coverage to Medicare HMO’s. Small Network

  $150 Hospital  co-pay

per admission added  

NONE

  $150 Hospital  co-pay

per admission added

$50 emergency room

 $100 Hospital  co-pay

per admission added

 $150 Hospital  co-pay

per admission added

no change

no change

no change

no change

no change

no change

no change

NONE

NONE

NONE

NO

70% covered after $250 deductible with limits on fees and procedures including hospital care

NO

NO

NO

Requires PCP Selection

Limits out of pocket cost

No out of Pocket for In Network doctors visits $15 co-pay for specialists

Requires PCP Selection

Pay only a $10 co-pay

 for office visits

Pay only a $10 co-pay

for office visits.

Pay only a $10 co-pay

for office visits.

$10 co-pay

Limited number of visits both in and out of network b Preauthorization and

 $1500 Annual Max.

Only limited in-network coverage with

 managed care  limits

Limited number of visits

in-network $10 co-pay

Limited number of visits

in-network $10 co-pay

Approved Services

in-network $10 co-pay

Authorization Required

$15 in network 50% out

Approved Services

in-network $10 co-pay

60 visits limit

in-network $10 co-pay

Approved Services

in-network $10 co-pay