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2026 NYSHIP Plan Comparison

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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 BenefitsParticipating ProviderNon-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]
PathologyNo copayment $25 per visit [1] Basic Medical [2]
EKG/EEG$50 per outpatient visit [1] $25 per visit [1] Basic Medical [2]
RadiationNo copayment No copayment Basic Medical [2]
ChemotherapyNo 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]
MammogramsNo 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 SurgeryNo 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]
AmbulanceNo 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]
InpatientNo 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]
HospiceNo copayment, no limit 10% of billed charges up to the combined annual coinsurance maximum
Skilled Nursing FacilityNo copayment [21] [22] 10% of billed charges up to the combined annual coinsurance maximum
Prescription DrugsSee 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 AreaBenefits 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).

Voluntary disease management programs available for conditions such as asthma, attention deficit disorder (ADHD), cardiovascular disease (CAD), chronic kidney disease (CKD), chronic obstructive pulmonary disease (COPD), congestive heart failure, depression, diabetes and eating disorders.

24-hour NurseLine for health information and support at 1-877-7-NYSHIP (1-877-769-7447).

Coordination with Medicare.

Benefits are available worldwide.

For information regarding covered vaccines, tests and screenings, see the Empire Plan Preventive Care Coverage Guide on the NYSHIP website under "Current Publications," or visit hhs.gov/healthcare/rights/preventive-care.

Participating Physicians

Under The Empire Plan, you can choose from over one million participating physicians and other providers nationwide.

Provides coverage for medical services, such as office visits, surgery and diagnostic testing under the Participating Provider Program, or under the Basic Medical and Basic Medical Provider Discount Programs if you choose a nonparticipating provider.

Voluntary outpatient medical case management is available to help coordinate services for serious and complex cases.

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.

When you use a network hospital, medical or surgical stays and other provider charges are covered at no cost to you. In certain cases, The Empire Plan will approve network benefits at a non-network facility.

Also provides inpatient Benefits Management Program services, including preadmission certification of hospital admissions and admission or transfer to a skilled nursing facility, concurrent reviews, discharge planning, inpatient medical case management and the Building Healthy Families program.

Pharmacies and Prescriptions

* Empire Plan Medicare Rx does not apply to those who have drug coverage through a union employee benefit fund.

Under The Empire Plan, you can choose from more than 60,000 participating pharmacies or a mail service pharmacy.

A pharmacist is available 24 hours a day, seven days a week to answer questions about your prescriptions.

Prior authorization is required for certain drugs.

Medicare-primary retirees and dependents covered under The Empire Plan each are enrolled automatically in Empire Plan Medicare Rx, a Part D prescription drug program. Each Medicare-primary individual will receive a unique ID number and Empire Plan Medicare Rx card to use at the pharmacy.

The Empire Plan Medicare Rx formulary includes Medicare Part D covered drugs and a secondary list of additional (non-Part D) drugs that are covered as part of a supplemental benefit.

Prescriptions covered under Medicare Part B are covered under The Empire Plan's Medical/Surgical benefit and are excluded from Empire Plan Medicare Rx. For example, Medicare covers certain oral chemotherapy drugs under your Part B benefit (not Part D). Because they're covered under Medicare first and The Empire Plan's Medical/Surgical benefit second, the pharmacy should bill Medicare directly for all Part B medications. Most pharmacies already know which Medicare program covers which drugs.

The Empire Plan Specialty Pharmacy Program offers enhanced services to individuals using specialty drugs, such as those used to treat complex conditions and those that require special handling, special administration or intensive patient monitoring.

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.

If you are enrolled in original Medicare (Parts A and B) and have secondary coverage under The Empire Plan, The Empire Plan coordinates benefits with Medicare. Since Medicare does not provide coverage outside the United States, The Empire Plan pays primary for covered services received outside the United States.

Medicare-primary retirees and dependents covered under The Empire Plan each are enrolled automatically in Empire Plan Medicare Rx, a Part D prescription drug program. Each Medicare-primary individual will receive a unique ID number and Empire Plan Medicare Rx card to use at the pharmacy.

Enrolling in a non-NYSHIP Medicare product in addition to your NYSHIP coverage may drastically reduce your benefits overall and, in most cases, will result in the cancellation of your NYSHIP coverage.

Medicare is primary for your same-sex spouse/domestic partner age 65 or over, or for an active employee or dependent with end-stage renal disease who would otherwise be Empire Plan primary (following a 30-month coordination period).

Footnotes

Empire Plan

[1]
Copayment waived for preventive services under the Patient Protection and Affordable Care Act. See the NYSHIP website or http://www.hhs.gov/healthcare/rights/preventive-care for details. Diagnostic services require plan copayment or coinsurance.
[2]
See Choices for Basic Medical Program information.
[3]
Routine obstetrical ultrasounds may be subject to a $25 copayment.
[4]
Any single external mastectomy prosthesis costing $1,000 or more requires prior approval.
[5]
Certain qualified procedures are subject to $50,000 lifetime allowance.
[6]
Inpatient stays at network hospitals are covered at no cost to the enrollee. Provider charges are covered under the Medical/Surgical Program. Non-network hospital coverage provided subject to coinsurance (see Choices for more information).
[7]
Preadmission certification may be required.
[8]
In outpatient surgical locations (Medical/Surgical Program), the copayment for the facility charge is $50 per visit. In a provider's office, the copayment is $25 per visit. 
[9]
Copayment waived if admitted.
[10]
Attending emergency department physicians and other providers, including providers who administer or interpret radiological exams, laboratory tests, electrocardiograms and/or pathology services, are covered at no cost to the enrollee. Other providers are considered under the Basic Medical Program and are not subject to deductible and coinsurance.
[11]
At a hospital-owned urgent care facility only.
[12]
Up to two copayments per service date may apply.
[13]
If service is provided by admitting hospital.
[14]
Ambulance transportation to the nearest hospital where emergency care can be performed is covered when the service is provided by a licensed ambulance service and the type of ambulance transportation is required because of an emergency situation.
[15]
Copayments are waived for medical and mental health visits accessed through LiveHealth Online, currently administered through Anthem Blue Cross. 
[16]
If Medicare is your primary coverage, you must use a Medicare-approved supplier or your benefits will be reduced in accordance with the "Impact of Medicare on this Plan" section of your Empire Plan Certificate.
[17]
Benefit paid up to cost of device meeting individual's functional need.
[18]
Not covered in a skilled nursing facility if Medicare primary.
[19]
Physical therapy must begin within six months of the related surgery or hospitalization and be completed within 365 days of the related surgery or hospitalization.
[20]
No copayment for insulin. Oral agents are subject to copayment.
[21]
Up to 120 benefit days; Benefits Management Program provisions apply.
[22]
Does not apply to Medicare-primary enrollees.