Medical Plans Comparison Chart - Officers
The Medical Plan Comparison Chart summarizes the differences between each of the four University-provided medical plans.
The Medical Plan Comparison Chart summarizes the differences between each of the four University-provided medical plans. For detailed information, please review the Summary of Benefits and Coverage (SBC) and Summary Plan Description (SPD).
Compare Medical Plans
- In-Network
- Annual Deductible:
Individual $1500
Family $3,000 - Out-of-Network
- $2,900 per person**
- In-Network
- Coninsurance:
90% after deductible - Out-of-Network
- 60% after deductible
- In-Network
- Out-of-pocket Maximum:
Individual $3,550
Family $7,100 - Out-of-Network
-
Individual $6,850
Family $13,700
- In-Network
- Preventive Care: 100%
- Out-of-Network
- Not covered
- In-Network
- Physician Office Visits,
including specialists:
90% after deductible - Out-of-Network
60% after deductible
* Out-of-network coinsurance reimbursement is indexed to 190% of the Medicare Maximum Allowable Charge (MAC), including expenses in excess of the out-of-network out-of-pocket maximum.
** To meet the requirements of the U. S. Department of State, J-1 Visa holders will have a $500 per person deductible applied.
*** No copay for lab and radiology at certain designated New York Presbyterian (NYP) locations. See the list of NYP participating locations.
**** No copay for partial hospitalization/intensive outpatient treatment.
- In-Network
- Annual Deductible:
Individual $1500
Family $3,000 - Out-of-Network*
- $2,900 per person**
- In-Network
- Coninsurance:
90% after deductible - Out-of-Network*
- 60% after deductible
- In-Network
- Out-of-pocket Maximum:
Individual $3,550
Family $7,100 - Out-of-Network*
Individual $6,850
Family $13,700
- In-Network
- Preventive Care: 100%
- Out-of-Network*
- Not covered
- In-Network
- Physician Office Visits,
including specialists:
90% after deductible - Out-of-Network*
60% after deductible
* Out-of-network coinsurance reimbursement is indexed to 190% of the Medicare Maximum Allowable Charge (MAC), including expenses in excess of the out-of-network out-of-pocket maximum.
** To meet the requirements of the U. S. Department of State, J-1 Visa holders will have a $500 per person deductible applied.
*** No copay for lab and radiology at certain designated New York Presbyterian (NYP) locations. See the list of NYP participating locations.
**** No copay for partial hospitalization/intensive outpatient treatment.
- In-Network
- Annual Deductible:
$400 per person - Out-of-Network
$850 per person
- In-Network
- Coinsurance:
90% after deductible - Out-of-Network
90% after deductible
- In-Network
- Out-of-pocket Maximum:
Individual $3,250
Family $6,500 - Out-of-Network
Individual $5,250
Family $10,500
- In-Network
- Preventive Care: 100%
- Out-of-Network
- Not covered
- In-Network
- Physician Office Visits,
including specialists:
90% after deductible - Out-of-Network
-
60% after deductible
* Out-of-network coinsurance reimbursement is indexed to 190% of the Medicare Maximum Allowable Charge (MAC), including expenses in excess of the out-of-network out-of-pocket maximum.
** To meet the requirements of the U. S. Department of State, J-1 Visa holders will have a $500 per person deductible applied.
*** No copay for lab and radiology at certain designated New York Presbyterian (NYP) locations. See the list of NYP participating locations.
**** No copay for partial hospitalization/intensive outpatient treatment.
- In-Network
- Annual Deductible:
$200 per person - Out-of-Network*
- $850 per person
- In-Network
- Coinsurance: 90% after deductible
- Out-of-Network*
60% after deductible
- In-Network
- Out-of-pocket Maximum:
Individual $5,250
Family $10,500 - Out-of-Network*
Individual $5,250
Family $10,500
- In-Network
- Preventive Care: 100%
- Out-of-Network*
- Not covered
- In-Network
- Physician Office Visits,
including specialists:
$30 copay - Out-of-Network*
-
60% after deductible
* Out-of-network coinsurance reimbursement is indexed to 190% of the Medicare Maximum Allowable Charge (MAC), including expenses in excess of the out-of-network out-of-pocket maximum.
** To meet the requirements of the U. S. Department of State, J-1 Visa holders will have a $500 per person deductible applied.
*** No copay for lab and radiology at certain designated New York Presbyterian (NYP) locations. See the list of NYP participating locations.
**** No copay for partial hospitalization/intensive outpatient treatment.
REMEMBER: In the Choice Plus plans, in-network deductible, coinsurance and medical and prescription copays accumulate toward the in-network out-of-pocket maximum. In addition, out-of-network out-of-pocket expenses accumulate toward the in-network out-of-pocket maximum. In the HDHP, the in-network deductible, coinsurance and prescription copays accumulate toward the in-network out-of-pocket maximum.