2026 NYSHIP Plan Comparison
Disclaimer: Please visit your HMO's website for the most up-to-date benefit information and any mid-year prescription drug formulary changes.
| Empire Plan (View SBC) | |||
|---|---|---|---|
| Network Hospital Benefits | Participating Provider | Non-Participating Provider | |
| Office Visits | $25 per visit [1] | Basic Medical [2] | |
| Annual Adult Routine Physicals | No copayment | Not covered | |
| Well Child Care | |||
| Specialty Office Visits | $25 per visit [1] | Basic Medical [2] | |
| Diagnostic/Therapeutic Services | |||
| Radiology | $50 per outpatient visit [1] | $25 per visit [1] | Basic Medical [2] |
| Lab Tests | $50 per outpatient visit [1] | $25 per visit [1] | Basic Medical [2] |
| Pathology | No copayment | $25 per visit [1] | Basic Medical [2] |
| EKG/EEG | $50 per outpatient visit [1] | $25 per visit [1] | Basic Medical [2] |
| Radiation | No copayment | No copayment | Basic Medical [2] |
| Chemotherapy | No copayment | No copayment | Basic Medical [2] |
| Dialysis | No copayment | No copayment | Basic Medical [2] |
| Women's Health Care/Reproductive Health | |||
| Pap Tests | $50 per outpatient visit [1] | $25 per visit [1] | Basic Medical [2] |
| Mammograms | No copayment | No copayment [1] | Basic Medical [2] |
| Prenatal Visits | No copayment [3] | Basic Medical [2] | |
| Postnatal Visits | No copayment [3] | Basic Medical [2] | |
| Bone Density Tests | $50 per outpatient visit [1] | $25 per visit [1] | Basic Medical [2] |
| Breastfeeding Services and Equipment | No copayment for pre/postnatal counseling and equipment purchased from a participating provider; one double-electric breast pump per birth | ||
| External Mastectomy Prosthesis | No network benefit. See nonparticipating provider | One single or double prosthesis per calendar year covered under Basic Medical at no cost to enrollee (not subject to deductible or coinsurance) [4] | |
| Family Planning Services | $25 per visit [1] | Basic Medical [2] | |
| Infertility Services | $50 per outpatient visit [5] | $25 per visit; no copayment at designated Centers of Excellence [5] | Basic Medical [2] |
| Contraceptive Drugs | No copayment for certain FDA-approved oral contraception methods and counseling | Basic Medical [2] | |
| Contraceptive Devices | No copayment for certain FDA-approved oral contraception methods and counseling | Basic Medical [2] | |
| Inpatient Hospital Surgery | No copayment [6] [7] | No copayment | Basic Medical [2] |
| Physician | |||
| Facility | |||
| Outpatient Surgery | $95 per visit | $50 per visit [8] | Basic Medical [2] |
| Hospital | |||
| Physician's Office | |||
| Outpatient Surgery Facility | |||
| Weight Loss/Bariatric Surgery | Applicable Inpatient Hospital Surgery or Outpatient Surgery copayment | Applicable Inpatient Hospital Surgery or Outpatient Surgery copayment | Basic Medical [2] |
| Emergency Department | $100 per visit [9] | No copayment | Basic Medical [2] [10] |
| Urgent Care Facility | $50 per outpatient visit [11] | $30 per visit [12] | Basic Medical [2] |
| Ambulance | No copayment [13] | $70 per trip [14] | $70 per trip [14] |
| Telehealth | [15] | $25 per visit | Basic Medical [2] |
| Virtual Portal | |||
| Outpatient Mental Health | Mental Health Practitioner Services: $25 per visit | Mental Health Practitioner Services: Applicable annual deductible, 80% of allowed amount; after applicable coinsurance max, 100% of allowed amount (see Choices for details) | |
| Individual | |||
| Group | |||
| Inpatient Mental Health | Approved Facility Mental Health Services: No copayment | Approved Facility Mental Health Services: 90% of billed charges; after applicable coinsurance max, covered at no cost to enrollee (see Choices for details) | |
| Outpatient Drug/Alcohol Rehab | $25 per day to approved Intensive Outpatient Program | Applicable annual deductible, 80% of allowed amount; after applicable coinsurance max, 100% of allowed amount (see Choices for details) | |
| Inpatient Drug/Alcohol Rehab | No copayment | 90% of billed charges; after applicable coinsurance max, covered at no cost to enrollee (see Choices for details) | |
| Durable Medical Equipment | No copayment (HCAP) [16] | 50% of network allowance (see the Empire Plan Certificate) [16] | |
| Prosthetics | No copayment [17] | Basic Medical; $1,500 lifetime maximum benefit for prosthetic wigs not subject to deductible or coinsurance [2] [17] | |
| Orthotics | No copayment [17] | Basic Medical [2] [17] | |
| Rehabilitative Care, Physical, Speech and Occupational Therapy | [18] | ||
| Inpatient | No copayment | $250 annual deductible, 50% of network allowance | |
| Outpatient Physical or Occupational Therapy | $25 per visit for outpatient physical therapy following related surgery or hospitalization [19] | $25 per visit (MPMP) | $250 annual deductible, 50% of network allowance (MPMP) (see Choices for details) |
| Outpatient Speech Therapy | $25 per visit | $25 per visit | Basic Medical [2] |
| Diabetic Supplies | No copayment (HCAP) | 50% of network allowance (see the Empire Plan Certificate) | |
| Retail | |||
| Mail Order | |||
| Insulin and Oral Agents | [20] | Covered under the Prescription Drug Program | Covered under the Prescription Drug Program |
| Retail | |||
| Mail Order | |||
| Diabetic Shoes | $500 annual maximum benefit [16] | 75% of network allowance up to an annual maximum benefit of $500 (see the Empire Plan Certificate) [16] | |
| Hospice | No copayment, no limit | 10% of billed charges up to the combined annual coinsurance maximum | |
| Skilled Nursing Facility | No copayment [21] [22] | 10% of billed charges up to the combined annual coinsurance maximum | |
| Prescription Drugs | See Pharmacies and Prescriptions | ||
| Retail | $5 Level 1, $30 Level 2, $60 Level 3, 1- to 30-day supply; $10 Level 1, $60 Level 2, $120 Level 3, 31- to 90-day supply | ||
| Mail Order | $5 Level 1, $30 Level 2, $60 Level 3, 1- to 30-day supply; $5 Level 1, $55 Level 2, $110 Level 3, 31- to 90-day supply | ||
| Additional Prescription Drug Related Information | |||
| Specialty Drugs | The Empire Plan has a Specialty Pharmacy Program; see Choices for details. | ||
| Additional Benefits | |||
| Annual Out-of-Pocket Maximum (In-Network Benefits) | Individual coverage: $1,494 for the Prescription Drug Program.* $2,750 shared maximum for the Hospital, Medical/Surgical and Mental Health/Substance Use Programs. Family coverage: $2,977 for the Prescription Drug Program.* $5,510 shared maximum for the Hospital, Medical/Surgical and Mental Health/Substance Use Programs. *Does not apply to Medicare-primary enrollees. | ||
| Dental | Not covered | Not covered | |
| Vision | Not covered | Not covered | |
| Hearing Aids | No network benefit. See nonparticipating provider. | Up to $1,500 per aid per ear every 4 years (every 2 years for children) if medically necessary | |
| Out of Area | Benefits for covered services are available worldwide. | ||
| Additional Benefits HMOs (as applicable) | |||
| Plan Highlights for 2026 | The Empire Plan provides network and non-network inpatient and outpatient hospital coverage for medical, surgical and maternity care. Medical coverage is provided under the Participating Provider Program, the Basic Medical Program and Basic Medical Provider Discount Program. The Center of Excellence Program is available for cancer, transplants, infertility and substance use disorder*; coverage provided for inpatient mental health and substance use, outpatient mental health and substance use, and prescription drug coverage (unless provided by a union employee benefit fund). *The Center of Excellence for Substance Use Disorder Program is available to Empire Plan-primary enrollees only. Other benefits include home care services, durable medical equipment and certain medical supplies (including diabetic and ostomy supplies), enteral formulas and diabetic shoes through the Home Care Advocacy Program (HCAP). Coverage for physical therapy, occupational therapy and chiropractic treatment through the Managed Physical Medicine Program (MPMP). | ||
| Participating Physicians | Under The Empire Plan, you can choose from over one million participating physicians and other providers nationwide. | ||
| Affiliated Hospitals | The Empire Plan provides coverage for inpatient and outpatient services provided by a hospital or skilled nursing facility as well as hospice care. | ||
| Pharmacies and Prescriptions | * Empire Plan Medicare Rx does not apply to those who have drug coverage through a union employee benefit fund. | ||
| Medicare Coverage | NYSHIP requires you and your dependents to be enrolled in Medicare Parts A and B when first eligible for Medicare coverage that pays primary to NYSHIP. If you or a dependent is eligible for Medicare coverage primary to NYSHIP and you don't enroll in Parts A and B, The Empire Plan will not provide benefits for services Medicare would have paid if you or your dependent had enrolled. | ||