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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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For more information about a specific plan or product, please contact your Empire representative or request more information online

Small Group Health Plans  
For businesses with 1-100* eligible employees 
 
Small group plans offering 100% coverage for covered preventive services, integrated Rx, pediatric dental, and vision coverage, gym reimbursement benefit, and have access to Empire’s Pathway, Blue Priority, PPO or EPO network. Some plans also have access to the BlueCard PPO network for out of area providers.  
Learn more today. Check out our Small Group Product Guide. Downstate / Upstate 
 
Platinum Level Plans: Plan options with comprehensive coverage and no deductible or coinsurance.  

Empire Platinum PPO

Empire Platinum PPO - 80th Percentile FAIR Health

Empire Platinum EPO

 
Gold Level Plans: Plan options with lower deductibles and coinsurance than silver and bronze plans.  

Empire Gold PPO

Empire Gold PPO with HSA (Health Savings Account)

Empire Gold EPO

Empire Gold EPO with HRA (Health Reimbursement Account)

Empire Gold Blue Priority EPO

Empire Gold Blue Priority EPO with HSA (Health Savings Account)

Empire Gold Pathway HMO

 
Silver Level Plans: Moderate cost shares and comprehensive coverage including PPO plan options.  

Empire Silver PPO with HSA (Health Savings Account)

Empire Silver EPO with HSA (Health Savings Account)

Empire Silver EPO

Empire Silver Blue Priority EPO

Empire Silver Blue Priority EPO with HSA (Health Savings Account)

Empire Silver Pathway HMO

 
Bronze Level Plans: Plan options with low cost comprehensive coverage and a Health Savings Account.  

Empire Bronze EPO with HSA (Health Savings Account)

Empire Bronze Blue Priority EPO with HSA (Health Savings Account)

Empire Bronze Pathway HMO with HSA (Health Savings Account)

 
*A Small Group must have at least one active, full-time FTE employee (working at least 20 hours per week), but no more than 100 FTE employees. A Small Group can consist of one non-spouse employee plus the business owner; a group of 100 would consist of the business owner plus 99 employees. Empire Dental is offered to groups 2-50. 
 

Large Group Health Plans  
For businesses with 101 or more eligible employees 
 
Prism EPO  
Affordable in-network coverage with national access to the broadest network of providers. Optional Blue Priority network available for additional cost savings.  
 
Prism PPO  
Affordable and flexible benefits with In and Out of network coverage and national access to the broadest network of providers. 
 
Empire PrismSM Deductible First EPO  
Comprehensive Prism benefits with lower premiums. A deductible is added before copays to help reduce premiums. Affordable in-network coverage with national access to the broadest network of providers. Optional Blue Priority network available for additional cost savings.  
Learn more today. Watch our Prism Deductible First product video: Downstate / Upstate.  
 
Empire PrismSM Deductible First PPO  
Comprehensive Prism benefits with lower premiums. A deductible is added before copays to help reduce premiums. Affordable benefits with In and Out of network coverage and national access to the broadest network of providers.  
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. Optional Blue Priority network available for additional cost savings.  
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. . Optional Blue Priority network available for additional cost savings.  
Learn more today. View our Product e-Tutorial: Downstate / Upstate.  
 
Empire Total BlueSM PPO with HSA (Health Savings Account)  
A more active approach to healthcare with in and out of network access where consumers take the control.  
 
Empire Total BlueSM PPO with HRA (Health Reimbursement Account)  
A more active approach to healthcare with in and out of network access where consumers take the control.  
 
Empire Balanced Funding  
A self-funded option. View product brochure: Downstate / Upstate.  
 

Superior Health Plans - Rich, Wide-Ranging Benefits  
For businesses with 101 or more eligible employees 
 
Direct POS  
Offers flexible benefits with in and out of network access as well as out of area coverage.  
PPO  
Comprehensive coverage with In and Out of network national access with premium benefits and low out-of-pocket expenses  
PPO with In-Network Cost-Sharing  
A more flexible plan with national in and out of network access and lower to moderate out-of-pocket expenses  
HMO  
Comprehensive coverage within Empire’s 28-county service area, at lower or no copays. Requires PCP selection and referrals. 
 
 
Empire’s 28-county service area: Albany, Bronx, Clinton, Columbia, Delaware, Dutchess, Essex, Fulton, Green, Kings, Montgomery, Nassau, New York, Orange, Putnam, Queens, Rensselaer, Richmond, Rockland, Saratoga, Schenectady, Schoharie, Suffolk, Sullivan, Ulster, Warren, Washington and Westchester. 
 
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Services provided by Empire HealthChoice HMO, Inc. and/or Empire HealthChoice Assurance, Inc., and/or HealthPlus, LLC., licensees of the Blue Cross and Blue Shield Association, an association of independent Blue Cross and Blue Shield Plans, serving residents and businesses in the 28 eastern and southeastern counties of New York State. All external sites will open in a new browser window. Please view our Website Privacy Policy for more information.