Empire BlueCross BlueShield brings the quality and stability of BCBS care to New York's business owners. Empire BCBS offers a wide platform of products designed to fit every company's need. Every employee deserves quality coverage, at a cost every employer can afford. From Westchester to the West Village, New York entrepreneurs everywhere can now afford quality benefits for their employees with Empire BlueCross BlueShield.
Empire BCBS offers a number of products for small business owners, each with unique characteristics and strengths. For additional information on any of these products, please request a quote.
Empire BCBS HMO:
The security of comprehensive major medical coverage with a focus on affordability. Strengths include:
- Low, predictable copayment cost
- Massive network of 65,000+ providers and 147 facilities in New York and bordering counties in New Jersey and Connecticut
Empire BCBS Direct HMO:
Empire's Direct HMO product provides all the features of a standard HMO, plus the ability to select your in-network specialists. Strengths include:
- Low, predictable costs
- No referrals necessary
- Access to the Empire BCBS network of 65,000+ providers and 147 facilities
Empire BCBS Direct POS:
POS products bring together the strengths of an HMO and the strengths of a PPO, offering choice as well as affordability. Enjoy full in-network benefits plus low costs, no in-network claim forms, and full out-of-network coverage. Strengths include:
- Benefits both in and out of network
- PCP necessary
- No referrals required for in-network treatment
- Discounted access to Empire BCBS provider network
Empire BCBS DirectShare POSSM:
This POS option provides all the strengths of the Direct POS product, but with the added ability to manage your own healthcare spending. Strengths include:
- In and out-of-network coverage
- PCP required
- No referrals needed for in-network care
- Special, lower, rates for service within Empire BCBS provider network
- Ability to control your out-of-pocket costs by choosing to see in-network doctors
Empire BCBS PPO :
PPOs offer members an expanded level of freedom, enabling full choice of provider and removing referral requirements. Strengths include:
- Nationwide coverage
- Benefits both in and out of the network
- No referrals required
- Ability to manage healthcare costs
- Full access to a provider network of more than 668,000 physicians and 8,500 hospitals through the BlueCard® PPO program
Empire BCBS EPO:
Empire's EPO and National EPO Plus products offer members in-network coverage from any doctor or hospital participating in Empire's PPO or BlueCard® PPO pogram. Strengths include:
- Coverage across the country
- In-network coverage
- No referrals necessary
- Access to the Empire BlueCard® PPO network of more than 668,000 providers and 8,500 hospitals
Empire Total BlueSM:
This consumer-directed health plan (CDHP) offers members the greatest level of freedom and flexibility in their health care. With a budget you control, you take an active role in your treatment and decisionmaking. Strengths include:
- Lower monthly costs with higher deductible levels
- Comprehensive coverage nationwide
- No referral requirement
- Works with a Health Savings Account (HSA)
- Discounted care from the Empire BlueCard® PPO provider network
