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What is Empire's 360° Health® program?
A total health solution that helps members become more healthy, or live better with a condition, while lowering the cost of health care.
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Group Health Plans

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Popular Health Plans
Empire EPO Essential 
A wellness-focused plan for individuals or families— with comprehensive preventive benefits covered 100%, gym reimbursement and vision benefits.
(For businesses with 2-50 eligible employees)  
Prism EPO  
Affordable in-network coverage with national access to the broadest network of providers
(For businesses with 51 or more eligible employees) 
Prism PPO 
Affordable and flexible benefits with In and Out of network coverage and national access to the broadest network of providers
(For business with 51 or more eligible employees)  
 
Innovative Health Plans - More Control of Cost and Care
Empire PrismSM Deductible First EPO  
Comprehensive Prism benefits with lower premiums. Collecting the deductible up front on a Prism plan can help reduce premiums.  
Affordable in-network coverage with national access to the broadest network of providers.
(For businesses with 51 or more eligible employees)  
Learn more today. Watch our Prism Deductible First product video: Downstate / Upstate 
Empire PrismSM Deductible First PPO 
Comprehensive Prism benefits with lower premiums. Collecting the deductible up front on a Prism plan can help reduce premiums.  
Affordable benefits with In and Out of network coverage and national access to the broadest network of providers.
(For businesses with 51 or more eligible employees)  
Learn more today. Watch our Prism Deductible First product video: Downstate / Upstate  
Empire Total BlueSM EPO with HSA (Health Savings Account)  
A consumer-directed option that combines a high-deductible health plan (HDHP) with an HSA that members and employers fund using pre- or post-tax contributions. The plan has the security of a traditional EPO offering with in-network access.  
(For businesses with 51 or more eligible employees)  
Learn more today. View our Product e-Tutorial: Downstate | Upstate  
Empire Total BlueSM EPO with HRA (Health Reimbursement Account)  
A consumer-directed flexible health care plan along with the security of a traditional EPO offering with in-network access. 
(For businesses with 51 or more eligible employees)  
Learn more today. View our Product e-Tutorial: Downstate | Upstate  
Empire Total BlueSM with HSA (Health Savings Account)  
A more active approach to healthcare with in and out of network access where consumers take the control.
(For businesses with 51 or more eligible employees)  
Empire Total BlueSM with HRA (Health Reimbursement Account)  
A more active approach to healthcare with in and out of network access where consumers take the control.
(For businesses with 51 or more eligible employees)  
Superior Health Plans - Rich, Wide-Ranging Benefits
Direct POS  
Offers flexible benefits with in and out of network access in New York and the Tri-State Area
(For businesses with 51 or more eligible employees) 
Empire PPO  
This plan offers new deductible options and coinsurance as a way to provide the advantages of a PPO with attractive rates for employers.
(For businesses with 2-50 eligible employees) 
PPO 
In and Out of network national access with premium benefits and low out-of-pocket expenses
(For businesses with 51 or more eligible employees) 
PPO with In-Network Cost-Sharing  
A more flexible plan with national in and out of network access and moderate out-of-pocket expenses
(For businesses with 51 or more eligible employees) 
HMO / Direct HMO  
Affordable coverage with in-network access in New York and Tri-State area.
(For businesses with 2 or more eligible employees)  
 
 
 
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