
FOR NEW YORK RESIDENTS
AGED 21-65
OPT EXCLUSIVE
Essential Plan
AGE 21-65
$0/YR
OPT EXCLUSIVE
NEW YORK OPT EXCLUSIVE
Deductible*
$0
Maximum Benefit*
Unlimited
Co-insurance*
$0
Preventive Care*
100%
100% Allowable Charges
Hospitalization*
100% Allowable Charges
Mental Health*
100% Allowable Charges
Physician services*
100% Allowable Charges
Ambulance*
$15/$40/$75
Prescription Drugs*
*For UHC, Fidelis, or Emblem Health PPO In-network Provider
World Elite 450 OPT
AGE 17-25
$1140/YR
$1740/YR
AGE 26-27
Glossary
The deductible is a fixed amount that an insurance company does not pay out during a policy year.


The maximum benefit is the maximum amount the insurance company will pay out during the term of the policy.


Copay is a fixed fee, which refers to a fixed fee that needs to be paid on the spot every time you see a doctor or buy prescription drugs.


Preferred Provider Organization. A type of health plan that contracts with medical providers. You'd pay less using in-network providers.


The percentage of costs covered by your insurance company.
The higher the coinsurance, the better the coverage.


In network refers to providers or health care facilities that are part of a health plan's network with which it has negotiated a discount.

