Many folks do not know who Emblem Health is or where they came from, as they appear to be new on the scene. Well, that is not so, Emblem Health is the new holding company for the merged GHI and HIP plans. Connecticare in CT is also a member company of the new holding company.
Emblem actually has about 92,000 physicians in it's network, and includes a contract with the acclaimed cancer care center, Memorial Sloan Kettering.
In addition to great network statistics, and one with years of stability, Emblem Health has some of the lower premium numbers in the market in 2009. The plans with the "richest" plan designs and lowest premiums are their EPO plans (Exclusive Provider Organization) - you must navigate and stay within the network, as such out-of-network claims are not covered. The good news is you only pay copayments (the $40 EPO is the most well-priced option) for care, however they do have options with deductibles and coinsurance for major medical inpatient and outpatient care - some with $1,000 and others with $2,000. Also on the pharmacy front, they have these plans with 0 copay for generic drugs, $30 for brand name, and $50 for non-formulary medicines.
Also a bonus with Emblem is they boast to have 0 copay for children dependents of employees - so folks like me with 4 small kids would love them, all of the pediatric visits would be free!
I hope this information has given a good update on Emblem Health.