Group Health Insurance For New York Employers

A wide range of innovative plans at different prices. Network choices that include 81,000+ New York providers and 150 facilities. Comprehensive tools and programs that give employees control of their expenses – and health. Let Empire help you build the ultimate health coverage for your employees and your budget.

Request a Quote

Group Medical Plans for New York

Explore Empire’s group medical plans, including flexible PPO, EPO, and Consumer-Driven Health Plans (CDHP) – all built on the largest provider networks in New York. Our funding options and group health expense accounts offer even more ways to create health coverage on your terms.

Preferred Provider Organization (PPO)

PPO plans offer comprehensive coverage that includes in-network and out-of-network national access. PPOs have large provider networks and traditionally give employees great choice. No primary care physician (PCP) is needed. No referrals for other in-network doctors are required, but choosing doctors, hospitals and other covered medical services that are not in-network might cost employees more out-of-pocket.

Exclusive Provider Organization (EPO)

EPOs are a cost-saving hybrid plan. Like an HMO, an EPO is a managed care plan where services are covered only if doctors, specialists and hospitals are used from within the plan’s network (except in an emergency). But like a PPO, you don’t need to get a referral from a primary care doctor to see specialists as long as you stay within network.

Consumer-Driven Health Plans (CDHP)

CDHPs allow employees and employers to fund health accounts to help members pay their own out-of-pocket expenses. Typically, CDHPs have lower premiums but higher deductibles (the amount members pay out-of-pocket for health services before the health plan pays). CDHPs are paired with a health expense account such as a Health Savings Account (HSA) or Health Reimbursement Account (HRA) that helps save for – and cover – qualified health care expenses and prescriptions (see below for more information on available health accounts). A CDHP combined with an HSA or other type of health account may also be called a high deductible health plan (HDHP).

Funding Options

*Available for in New York for large groups of 100+ employees.

The most common type of alternative funding plan is the self-funded Administrative Services Only (ASO) plan. Fixed monthly costs for these options are significantly lower than fully insured plans, the financial risk is also greater. ASOs are recommended for large groups with the financial resources to tolerate fluctuations in monthly claims costs.

Empire also offers Stop-Loss options that put a threshold on the maximum amount of annual claims costs paid by your business.

Help Employees Save More With a Group Health Expense Account

Empire offers a variety of flexible spending and health account options in New York to fit your small or large business needs and help your employees manage expenses. Plus, our seamless account management tools help make health spending decisions easier.

Health Savings Account (HSA)
Health Reimbursement Account (HRA)
Flexible Spending Account (FSA)

Health Savings Account (HSA)

A Health Savings Account (HSA) is a savings account that is owned by the employee and funded with pre-tax dollars to help save for – and cover – qualified health care expenses and prescriptions. Like a bank account, HSA funds remain with the member, but can only be spent on health care expenses. Empire can pair an HSA with an HDHP or CDHP to help cover out-of-pocket medical expenses, including prescription drugs. Like the HRA, employers can add funds to an HSA as a rewards program for employees who engage in healthy lifestyle choices.

Health Reimbursement Account (HRA)

A Health Reimbursement Account (HRA) is an employee-owned health expense account that is funded by the employer. Empire can pair an HRA with a Consumer-Driven Health Plan (CDHP) or High Deductible Health Plan (HDHP) to help employees pay for covered costs. CDHPs often require employees to pay the deductible first, before the HRA account will reimburse additional health care costs. Employers can also add funds to the HRA to establish a rewards program for employees who engage in healthy lifestyle choices.

Flexible Spending Account (FSA)

A Flexible Spending Account (FSA) is an arrangement that employees set up with their employers, allowing them to set aside pre-tax money to pay various kinds of expenses, like co-insurance or child care, for example. An FSA can be paired with any large group plan. Empire can set up an FSA that is directly integrated with medical claims processing, so employees are automatically reimbursed for eligible out-of-pocket expenses.

Other Websites

Group Retiree Solutions

Learn about flexible funding options for your retiree population. Empire offers prescription plans, PPOs, HMOs, health & wellness programs, plus vision, dental and hearing. Our staff is dedicated to working with older adults.

Learn about Group Retiree Solutions