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The largest, not for profit health services corporation operating statewide in New York, GHI serves 2.7 million people. This includes providing insurance benefits to over 1.7 million subscribers and their dependents. GHI plans feature: Extensive provider access. GHI subscribers select their personal physician from over 61, 000 conveniently located Participating Physicians. Each has agreed to accept GHI's schedule as payment-in-full for covered services (less applicable co-payments). Eliminate the gatekeeper. When subscribers need specialty care, they choose their own specialist. No Primary Care Physician or "gatekeeper" approvals; no complicated referral requirements.
Covered non-network services. Subscribers may use a nonparticipating physician for most covered services under most of the GHI plans (certain plans do not cover out-of-network visits), and still receive reimbursement at a level selected. Naturally, in-network coverage is usually higher --but, the subscriber may choose.
Easy hospital access . Unlike many regional plans, members have coverage at any qualified general acute care hospital nationwide (coverage limitations apply to FlexSelect plan).
Keep it simple. Subscribers file no claim forms when they see a network provider--one low co-payment usually does it.
Prescription Drugs. GHI's prescription drug card benefit offers access to over 40,000 retail pharmacies nationwide, including most major chains. A special mail-order provision for maintenance drugs helps control program costs.
Cost sharing provisions. Most GHI health plans offer cost sharing provisions to fit any budget. Subscribers select from various levels of coinsurance and deductible. This feature was developed to best fit individual and coverage objectives.
GHI Health Plans are a great way for a small business owner to control costs and not be limited to the restrictions of typical managed care plans.
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PPO
