Making a Choice
Selecting a health insurance plan is an important and personal decision. Here are some questions to ask yourself as you review information about the NYSHIP options available to you:
- What is the premium?
- What choice of providers do I have? Are the providers and facilities I currently use considered in- or out-of-network?
- Is the medicine I currently take covered? What is my share of the cost?
- What benefits are available for a catastrophic illness or injury?
- What will happen if I need care while away from home?
- Are my special needs covered?
- How often do I anticipate needing care? Is there a deductible? What is the annual out-of-pocket maximum?
- Are there any benefit limitations?
To learn more about the main similarities and differences between the different NYSHIP plans types, see The Empire Plan vs. NYSHIP HMOs.