Valid waivers include: Medicare, Medicaid, Spousal, Veterans, and Parental.

For small business owners, Empire requires 60% of full-time employees to enroll excluding valid waivers. Referrals are not required to see a specialist provided they are in network only. This is a smaller network than Blue Card however this program still boasts more than 85,000 physicians and more than 160 hospitals in the New York metro area. More than 96% of hospitals and 93% of doctors across the country give your employees access to health care services with BlueCard, Blue Priority ProgramД«lue Priority is an in-network only EPO plan. The BlueCard network is the largest provider network in the United States. BlueCard has over 150 in-network hospitals and over 85,000 in-network physicians. It offers national access to EPO and PPO health insurance plans for small groups in New York. Blue Card ProgramД«lueCard, formerly known as the Prism plan is EmpireвЂ™s premier health plan. Each program offers business owners different plan designs and options for providing health care to their employees. Their small business health plans are comprised of 4 different programs. In addition to health insurance, the company also offers group dental, vision, life and disability insurance. Empire Blue Cross Group Health PlansД®mpire offers a wide variety of health plan options for both small and large companies. If your employees live or work out of New York State, they are given access to doctors and hospitals almost anywhere in the United States and 170 countries through EmpireвЂ™s BlueCard Network. And even though, the company only provides health insurance coverage to the New York City metropolitan area and selected counties in upstate New York, they are a solid choice for small business health insurance. The Empire BCBS network includes more than 90,000 participating doctors and over 160 hospitals making them one of the best health insurance companies in New York. Who Is Empire Blue Cross Blue Shield?Д®mpire BlueCross BlueShield (Empire) is the trade name of Empire HealthChoice Assurance, Inc., and Empire Blue Cross Blue Shield HMO is the trade name of Empire HealthChoice HMO, Inc., independent licensees of the Blue Cross Blue Shield Association, serving residents and businesses in the 28 eastern and southeastern counties of New York State. And for many reasons Empire has one of the strongest provider networks of coverage across the entire state вЂ“ only second to behemoth, Oxford. This insurer is probably one of the most admired insurance providers in the state of New York. If youвЂ™re looking for a comprehensive group health plan for your small business our Empire Blue Cross Blue Shield review explains why this company is one of the best.

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