2023 NY Small Group Health Plans
Reward your employees with great health insurance and group benefits. See the latest affordable plans for small businesses offering coverage with nationally ranked doctors in New York – plus perks that employees love.
Empire Blue Cross Blue Shield has added a 3rd network – Empire Connections to their 2021 roster. The Downstate Network will be the smallest of the 3 features top hospitals & providers. The discounts are 8% and 15% discount off of #1 Empire EPO/PPO and Blue Access networks respectively. The middle network Blue Access has expanded significantly adding Memorial Sloan Kettering. Blue Access shares 98% of the #1 Empire EPO/PPO network. Empire Blue Cross New Network Trifecta_2020
Additionally, all 3 networks, Empire EPO/PPO, Blue Access, Empire Connections will offer access to the national BlueCard PPO program. As a result of Empire Blue Cross’s participation in the BlueCard PPO program members enjoy an unparalleled national access network to 96% of hospitals and 93% of doctors across the country. This national program will be on 18 of the 28 plans below.
mblemHealth, formerly GHI and HIP, has recapitalized and reloaded dynamic plan offerings for 2022. They have had stable 3 years of single-digit increases. Emblem has added a new 3rd network, Millennium Network, to its stellar lineup of Hip Prime and Select Care Network. The discounts vary between 8% and 15% discount
1. Prime Network: Largest Emblem Network. – newly expanded 123,000 Providers Tristate.
All plans are non-gated and include Pediatric and Adult Dental and Vision.
NYS – EmblemHealth has expanded the small group Prime Network to include both the First Health National Network and ConnectiCare Network in Connecticut. This is in addition to the current HIP Prime Network in New York. Members can choose from over 90,000 private and group practice health professionals, facilities, and 144 hospitals in 28 New York State counties — all five boroughs of New York City (the Bronx, Brooklyn, Manhattan, Queens, and Staten Island), plus Nassau, Suffolk, Orange, Rockland, and Westchester counties, and upstate areas that stretch north of Albany.
CT – The ConnectiCare HMO Network has 17,000 primary care providers and specialists, and 33 hospitals in all eight counties in the State of Connecticut.
NJ – The QualCare HMO Network includes 26,000 primary care providers and specialists, and 76 hospitals in all 21 counties across the State of New Jersey.
2. Select Care Network – Balance between cost/size – 51,000 Providers. 28 Counties NY Only.
Healthfirst has released affordable new 2023 plans for NY small businesses and not a moment too soon. The only non-profit Health Insurer owned by hospitals has kept market low rates with a modest 7.1% INCREASE for 2023. By integrating a Hospital/Provider medical approach Healthfirst has been successfully delivering value for the 5 boroughs.
- Members have access to a broad network of providers and dozens of industry-leading hospitals.
- Community locations throughout New York City, Long Island, and parts of Westchester.
- Dental and vision coverage, 24/7 telemedicine access, acupuncture, exercise reward programs.
All Metal Levels will be included for all size groups including 1-99 market. Referrals are NOT needed to visit a Specialist MD but one must select a Primary Care Physician on the enrollment form.
Oxford Metro 2023
Oxford has expanded on its successful Oxford Metro Network plan released in 2016. By 2021 the network has expanded 15% in NY and added NJ network last year. In 2020 most Metro plans stayed flat and for 2021 increasing single digits. The Garden State Network will be absorbed and renamed under the Oxford Metro banner. Oxford Metro Network:
The NY network has grown to approx. 13,000 Primary Care Providers, 32,000 Specialists, and 85 hospitals. Furthermore, the Oxford Garden State network has been added as well onto the Metro Network. The Garden State network alone has access to 19,000 physicians and 67 hospitals.
All Metal Levels will be included for all size groups including 1-99 & 100+. The new Oxford Metro plan will be limited to NY and NJ Garden State Network Providers. Referrals will be needed to see Specialists. Importantly, most NY Hospitals will be participating with the EXCEPTION of NYU Health System, North Shore LIJ Health System (NorthWell Health), and Maimonides Medical Center. In addition, certain key medical IPA Groups such as Caremount, formerly Mt Kisko Medical Group, are NOT in the network.
With over three decades of combined experience working with all of the major insurance companies, we put business owners in the driver’s seat to buy a company policy on their terms and their budget. Most business owners enjoy the transparency and the peace of mind of an affordable group health insurance policy that’s aligned with their needs and the needs of their employees.
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