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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.