The Empire Plan is a unique health insurance plan designed especially for public employees in New York State. Empire Plan benefits include inpatient and outpatient hospital coverage, medical/surgical coverage, Centers of Excellence for transplants, infertility and cancer, home care services, equipment and supplies, mental health and substance abuse coverage and prescription drug coverage.

Participating Agency Monthly Premium Rates for Employers

PLAN PRIME

• Individual Coverage: $1,479.53
• Family Coverage: $3,367.80

Plan Prime rates apply to active employees and retirees who are not Medicare-primary.

MEDIPRIME

• Individual Coverage (one Medicare-primary individual): $551.85
• Family Coverage (one Medicare-primary individual): $1,820.56
• Family Coverage (two or more Medicare-primary individuals): $1,511.55

Employers are required by the New York State Civil Service Law to reimburse Medicare-primary enrollees and their enrolled Medicare-primary dependents for their cost of the Medicare Part B premium.

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Employers are required to contribute a minimum of 50% of the cost for individual coverage and 35% of the cost for dependent coverage (i.e., the difference between the Family premium and the Individual premium). Family coverage under NYSHIP is for two or more covered members.