2016 Plans Available in Columbia County for Individuals & Families
Columbia County is served by 6 insurance carriers on the NYSOH Marketplace:
CDPHP; EmblemHealth; Empire Blue Cross Blue Shield; Fidelis; HealthNow (BS of Northeastern NY); and MVP Health Plan.
This information is provided for research purposes only. The premium rates given are before any advance tax credits are applied. Please verify premium rates and plan details on the NYSOH Marketplace or directly with the insurance carrier.
CDPHP Customer Service: 1-855-236-7113 | PROVIDER DIRECTORY | DRUG FORMULARY | PLAN INFORMATION |
| PLATINUM PLANS | Individual | Couple | Individual + Child(ren) | Family | |
|---|---|---|---|---|---|
| HMO Copayment 10 Platinum Standard HiosID: 94788NY0280053 | $652.35 | $1,304.70 | $1,109.00 | $1,856.20 | |
| HMO Hybrid 13 Platinum HiosID: 94788NY0280129 | Summary of Benefits | $639.55 | $1,279.10 | $1,087.24 | $1,822.72 |
| GOLD PLANS | Individual | Couple | Individual + Child(ren) | Family | |
| HMO Copayment 20 Gold Standard HiosID: 94788NY0280054 | Summary of Benefits | $555.36 | $1,110.72 | $944.11 | $1,582.78 |
| HMO Hybrid 23 Gold HiosID: 94788NY0280131 | Summary of Benefits | $536.06 | $1,072.12 | $911.30 | $1,527.77 |
| SILVER PLANS | Individual | Couple | Individual + Child(ren) | Family | |
| HMO Copayment 30 Silver Standard HiosID: 94788NY0280055 | Summary of Benefits | $467.13 | $934.20 | $794.12 | $1,331.32 |
| Smart Deductible HMO Coinsurance 34 Silver HiosID: 94788NY0280017 | Summary of Benefits | $448.09 | $896.18 | $761.75 | $1,277.06 |
| HDHMO Qualified 33 Silver HiosID: 94788NY0280021 | Summary of Benefits | $443.14 | $886.28 | $753.34 | $1,262.95 |
| SILVER PLANS: CSR 200-250% FPL | Individual | Couple | Individual + Child(ren) | Family | |
| HMO Copayment 30 Silver Standard HiosID: 94788NY0280055 | Summary of Benefits | $467.13 | $934.20 | $794.12 | $1,331.32 |
| Smart Deductible HMO Coinsurance 34 Silver HiosID: 94788NY0280017 | Summary of Benefits | $448.09 | $896.18 | $761.75 | $1,277.06 |
| HDHMO Qualified 33 Silver HiosID: 94788NY0280021 | Summary of Benefits | $443.14 | $886.28 | $753.34 | $1,262.95 |
| BRONZE PLANS | Individual | Couple | Individual + Child(ren) | Family | |
| HDHMO Non-Qualified 40 Bronze Standard HiosID: 94788NY0280059 | Summary of Benefits | $393.22 | $786.44 | $668.47 | $1,120.68 |
| HDHMO Qualified 44 Bronze HiosID: 94788NY0280029 | Summary of Benefits | $390.56 | $781.12 | $663.94 | $1,113.10 |
| CATASTROPHIC PLANS | Individual | Couple | Individual + Child(ren) | Family | |
| HDHMO Non-Qualified 50 Catastrophic Standard HiosID: 94788NY0280047 | Summary of Benefits | $234.15 | $468.30 | $398.06 | $667.33 |
HSA QUALIFIED PLANS:You can set up a pre-tax Health Savings Account (HSA) to pay for out-of-pocket health care expenses when you enroll one of the following plans: HDHMO Qualified 44 Bronze or HDHMO Qualified 33 Silver.
EmblemHealthCustomer Service: 1-800-223-1831 | PROVIDER DIRECTORY | DRUG FORMULARY | PLAN INFORMATION |
| PLATINUM PLANS | Region 1 | Region 3 | Region 4 | Region 6 | |
|---|---|---|---|---|---|
| Select Care Platinum HiosID: 88582NY0140001 | Summary of Benefits | $777.99 | $1,555.98 | $1,322.58 | $2,217.27 |
| GOLD PLANS | Individual | Couple | Individual + Child(ren) | Family | |
| Select Care Gold HiosID: 88582NY0150001 | Summary of Benefits | $658.33 | $1,316.66 | $1,119.16 | $1,876.24 |
| SILVER PLANS | Individual | Couple | Individual + Child(ren) | Family | |
| Select Care Silver HiosID: 88582NY0160001 | Summary of Benefits | $542.55 | $1,085.10 | $922.34 | $1,546.27 |
| SILVER PLANS: CSR 200-250% FPL | Individual | Couple | Individual + Child(ren) | Family | |
| Select Care Silver HiosID: 88582NY0160001 | $542.55 | $1,085.10 | $922.34 | $1,546.27 | |
| BRONZE PLANS | Individual | Couple | Individual + Child(ren) | Family | |
| Select Care Bronze HiosID: 88582NY0170001 | Summary of Benefits | $464.78 | $929.56 | $790.13 | $1,324.62 |
| CATASTROPHIC PLANS | Individual | Couple | Individual + Child(ren) | Family | |
| Select Care Basic HiosID: 88582NY0180001 | Summary of Benefits | $273.47 | $546.94 | $464.90 | $799.39 |
NOTES: EmblemHealth has not provided Summary of Benefit and Coverage sheets for the Cost Sharing Reduced Silver Plans.
Empire Blue Cross Blue ShieldCustomer Service: 1-855-748-1806 | PROVIDER DIRECTORY | DRUG FORMULARY | PLAN INFORMATION |
| PLATINUM PLANS | Individual | Couple | Individual + Child(ren) | Family | |
|---|---|---|---|---|---|
| Empire HMO 0 X Platinum HiosID: 80519NY0160014 | Summary of Benefits | $699.02 | $1,398.04 | $1,188.33 | $1,992.21 |
| Empire HMO 250 X Platinum HiosID: 80519NY0160115 | Summary of Benefits | $675.13 | $1,350.26 | $1,147.72 | $1,924.12 |
| GOLD PLANS | Individual | Couple | Individual + Child(ren) | Family | |
| Empire HMO 600 X Gold HiosID: 80519NY0160012 | Summary of Benefits | $601.17 | $1,202.34 | $1,021.99 | $1,713.33 |
| Empire HMO 1000 X Gold HiosID: 80519NY0160107 | Summary of Benefits | $571.81 | $1,143.62 | $972.08 | $1,629.66 |
| Empire BCBS HMO 1000 X Gold, a Multi-State Plan HiosID: 80519NY0330005 | Summary of Benefits | $572.18 | $1,144.36 | $972.71 | $1,630.71 |
| SILVER PLANS | Individual | Couple | Individual + Child(ren) | Family | |
| Empire HMO 2000 X Silver HiosID: 80519NY0160008 | Summary of Benefits | $515.27 | $1,030.54 | $875.96 | $1,468.52 |
| Empire HMO 2250 X Silver HiosID: 80519NY0160010 | Summary of Benefits | $472.37 | $944.74 | $803.03 | $1,346.25 |
| Empire HMO 2750 X for HSA Silver HiosID: 80519NY0160099 | Summary of Benefits | $480.55 | $961.10 | $816.94 | $1,369.57 |
| Empire BCBS HMO 2750 for HSA X Silver, a Multi-State Plan HiosID: 80519NY0330004 | Summary of Benefits | $480.76 | $961.52 | $817.29 | $1,370.17 |
| SILVER PLANS: CSR 200-250% FPL | Individual | Couple | Individual + Child(ren) | Family | |
| Empire HMO 2000 X Silver HiosID: 80519NY0160008 | Summary of Benefits | $515.27 | $1,030.54 | $875.96 | $1,468.52 |
| Empire HMO 2250 X Silver HiosID: 80519NY0160010 | Summary of Benefits | $472.37 | $944.74 | $803.03 | $1,346.25 |
| Empire HMO 2750 X for HSA Silver HiosID: 80519NY0160099 | Summary of Benefits | $480.55 | $961.10 | $816.94 | $1,369.57 |
| Empire BCBS HMO 2750 X Silver, a Multi-State Plan HiosID: 80519NY0330003 | Summary of Benefits | $480.76 | $961.52 | $817.29 | $1,370.17 |
| BRONZE PLANS | Individual | Couple | Individual + Child(ren) | Family | |
| Empire HMO 4000 X for HSA Bronze HiosID: 80519NY0160002 | Summary of Benefits | $412.90 | $825.80 | $701.93 | $1,176.77 |
| Empire HMO 5850 X Bronze HiosID: 80519NY0160006 | Summary of Benefits | $405.05 | $810.10 | $688.59 | $1,154.39 |
| Empire HMO 6000 X Bronze HiosID: 80519NY0160004 | Summary of Benefits | $407.17 | $814.34 | $692.19 | $1,160.43 |
| Empire HMO 5850 X Bronze, 0 PCP HiosID: 80519NY0160118 | Summary of Benefits | $413.06 | $810.10 | $688.59 | $1,154.39 |
| CATASTROPHIC PLANS | Individual | Couple | Individual + Child(ren) | Family | |
| Empire HMO 6850 X Catastrophic HiosID: 80519NY0160016 | Summary of Benefits | $206.74 | $413.48 | $351.46 | $589.21 |
HSA QUALIFIED PLANS: You can set up a pre-tax Health Savings Account (HSA) to pay for out-of-pocket health care expenses when you enroll in one of the following 2016 plans: Empire HMO 4000 X Bronze for HSA, Empire HMO 2750 X Silver for HSA or Empire BCBS HMO 2470 X Silver, a Multi-State Plan.
NOTES: I've linked to pdfs of the Summary Benefits and Coverage that I saved on my sever from here.
Fidelis CareCustomer Service: 1-888-343-3547 | PROVIDER DIRECTORY | DRUG FORMULARY | PLAN INFORMATION |
| PLATINUM PLANS | Individual | Couple | Individual + Child(ren) | Family | |
|---|---|---|---|---|---|
| Fidelis Care Platinum HiosID: 25303NY0040001 | Summary of Benefits | $558.07 | $1,116.14 | $948.72 | $1,590.50 |
| GOLD PLANS | Individual | Couple | Individual + Child(ren) | Family | |
| Fidelis Care Gold HiosID: 25303NY0030001 | Summary of Benefits | $459.23 | $918.46 | $780.69 | $1,308.81 |
| SILVER PLANS | Individual | Couple | Individual + Child(ren) | Family | |
| Fidelis Care Silver HiosID: 25303NY0020001 | Summary of Benefits | $374.89 | $749.48 | $637.31 | $1,068.44 |
| SILVER PLANS: CSR 200-250% FPL | Individual | Couple | Individual + Child(ren) | Family | |
| Fidelis Care Silver HiosID: 25303NY0020001 | Summary of Benefits | $374.89 | $749.48 | $637.31 | $1,068.44 |
| BRONZE PLANS | Individual | Couple | Individual + Child(ren) | Family | |
| Fidelis Care Bronze HiosID: 25303NY0010001 | Summary of Benefits | $298.09 | $596.18 | $506.75 | $849.56 |
| CATASTROPHIC PLANS | Individual | Couple | Individual + Child(ren) | Family | |
| Fidelis Care Catastrophic HiosID: 25303NY0090001 | Summary of Benefits | $162.52 | $325.04 | $276.28 | $463.18 |
HealthNow Customer Service: 1-855-344-3425 | PROVIDER DIRECTORY | DRUG FORMULARY | PLAN INFORMATION |
| PLATINUM PLANS | Individual | Couple | Individual + Child(ren) | Family | |
|---|---|---|---|---|---|
| Platinum Standard HiosID: 36346NY0480035 | Summary of Benefits | $687.51 | $1,375.02 | $1,168.77 | $1,959.40 |
| GOLD PLANS | Individual | Couple | Individual + Child(ren) | Family | |
| Gold Standard HiosID: 36346NY0480026 | Summary of Benefits | $568.62 | $1,137.24 | $966.65 | $1,620.57 |
| SILVER PLANS | Individual | Couple | Individual + Child(ren) | Family | |
| Silver Standard HiosID: 36346NY0480014 | Summary of Benefits | $475.11 | $950.22 | $807.69 | $1,354.06 |
| SILVER PLANS: CSR 200-250% FPL | Individual | Couple | Individual + Child(ren) | Family | |
| Silver Standard A HiosID: 36346NY0480014 | $475.11 | $950.22 | $807.69 | $1,354.06 | |
| BRONZE PLANS | Individual | Couple | Individual + Child(ren) | Family | |
| Bronze Standard HiosID: 36346NY0480001 | Summary of Benefits | $362.80 | $725.60 | $616.76 | $1,033.98 |
| Bronze Value HiosID: 36346NY0660007 | Summary of Benefits | $363.59 | $727.18 | $618.10 | $1,036.23 |
| CATASTROPHIC PLANS | Individual | Couple | Individual + Child(ren) | Family | |
| Catastropic | n/a | n/a | n/a | n/a | |
HSA QUALIFIED PLANS: You can set up a pre-tax Health Savings Account (HSA) to pay for out-of-pocket health care expenses when you enroll in one of the following plans: Bronze Standard and Bronze Value.
OUT-OF-NETWORK COVERAGE: All 2016 plans include Out-of-Network Coverage.
NOTES: I haven't been able to find the Summary of Benefits for the 2016 Silver Cost Sharing Reduced Plans, however, here's a chart showing deductibles, out-of-pocket maximums and copays/coinsurance - Silver CSR Plans
MVP Health PlanCustomer Service: 1-800-825-5687 | PROVIDER DIRECTORY | DRUG FORMULARY | PLAN INFORMATION |
| PLATINUM PLANS | Individual | Couple | Individual + Child(ren) | Family | |
|---|---|---|---|---|---|
| Premier Platinum HiosID: 56184NY0140016 | Summary of Benefits | $642.65 | $1,285.30 | $1,092.51 | $1,831.55 |
| Premier Plus Platinum 1 HiosID: 56184NY0150019 | Summary of Benefits | $623.65 | $1,247.30 | $1,060.21 | $1,777.40 |
| Premier Plus Platinum 2 HiosID: 56184NY0150020 | Summary of Benefits | $629.49 | $1,258.98 | $1,070.13 | $1,794.05 |
| GOLD PLANS | Individual | Couple | Individual + Child(ren) | Family | |
| Premier Gold HiosID: 56184NY0140014 | Summary of Benefits | $552.29 | $1,104.58 | $938.89 | $1,574.03 |
| Premier Plus Gold 1 HiosID: 56184NY0150018 | Summary of Benefits | $529.63 | $1,059.26 | $900.37 | $1,509.45 |
| Premier Plus HDHP Gold 2 HiosID: 56184NY0200009 | Summary of Benefits | $512.44 | $1,024.88 | $871.15 | $1,460.45 |
| SILVER PLANS | Individual | Couple | Individual + Child(ren) | Family | |
| Premier Silver HiosID: 56184NY0140012 | Summary of Benefits | $469.78 | $939.56 | $798.63 | $1,338.87 |
| Premier Plus Silver 1 HiosID: 56184NY0150016 | Summary of Benefits | $469.36 | $938.72 | $798.63 | $1,337.68 |
| Premier Plus Silver 2 HiosID: 56184NY0150017 | Summary of Benefits | $415.78 | $831.56 | $706.83 | $1,184.97 |
| Premier Plus HDHP Silver 3 HiosID: 56184NY0200008 | Summary of Benefits | $442.99 | $885.98 | $753.08 | $1,262.52 |
| SILVER PLANS: CSR 200-250% FPL | Individual | Couple | Individual + Child(ren) | Family | |
| Premier Silver HiosID: 56184NY0140012 | Summary of Benefits | $469.78 | $939.56 | $798.63 | $1,338.87 |
| Premier Plus Silver 1 HiosID: 56184NY0150016 | Summary of Benefits | $469.36 | $938.72 | $798.63 | $1,337.68 |
| Premier Plus Silver 2 HiosID: 56184NY0150017 | Summary of Benefits | $415.78 | $831.56 | $706.83 | $1,184.97 |
| Premier Plus HDHP Silver 3 HiosID: 56184NY0200008 | Summary of Benefits | $442.99 | $885.98 | $753.08 | $1,262.52 |
| BRONZE PLANS | Individual | Couple | Individual + Child(ren) | Family | |
| Premier HDHP Bronze 1 HiosID: 56184NY0140010 | Summary of Benefits | $375.59 | $751.18 | $638.50 | $1,070.43 |
| Premier Plus Bronze 1 HiosID: 56184NY0150021 | Summary of Benefits | $381.82 | $763.64 | $649.09 | $1,088.19 |
| Premier Plus Bronze 2 HiosID: 56184NY0150015 | Summary of Benefits | $355.60 | $711.20 | $604.52 | $1,013.46 |
| Premier Plus HDHP Bronze 3 HiosID: 56184NY0200007 | Summary of Benefits | $365.90 | $731.80 | $622.03 | $1,042.82 |
| Premier Bronze 2 HiosID: 56184NY0140030 | Summary of Benefits | $368.07 | $736.14 | $622.03 | $1,049.00 |
| CATASTROPHIC PLANS | Individual | Couple | Individual + Child(ren) | Family | |
| Secure Catastrophic HiosID: 56184NY0220002 | Summary of Benefits | $222.84 | $445.68 | $378.83 | $635.09 |
HSA QUALIFIED PLANS: You can set up a pre-tax Health Savings Account (HSA) to pay for out-of-pocket health care expenses when you enroll in one of the following plans: Premier HDHP Bronze 1, Premier Plus HDHP Bronze 3, Premier Plus HDHP Silver 3 or Premier Plus HDHP Gold 2.