The NY44 Healthcare Plans
The three healthcare plan options for the Eastern Region give you choices in premium, deductibles and coinsurance so you can select the plan that best fits your healthcare needs. The healthcare plans:
- Are administered by MVP
- Provide access to one of the nation’s largest network of providers
- Cost Savings with mandatory mail order administered by Pharmacy Provider
- Include vision coverage
- Offer free preventive care, including annual checkups and immunizations
- Allow access to health services and online tools to help you manage your health, health decisions and health care dollars
Additional Information
Waiving Coverage
If you waive coverage during this enrollment period you can join the plan during the year only if you experience a change in status event. If you do not have a change in status during the plan year you wish to join the plan, you must wait until the next open enrollment.
Pre-tax Benefits
Any contributions you make toward the cost of your medical plan can be on a pre-tax basis as allowed by your employer.
Coordination of Benefits
If you or your dependents are covered by more than one medical plan, the coordination of benefits (COB) feature goes into effect and provisions of both plans will be considered in paying benefits. One plan is primary and will pay its regular benefits; the other plan is secondary. The total benefit payments you receive will not exceed 100% of the expenses incurred.
Resources
Traditional Plan
This plan does not include a deductible for in-network services. The Traditional Plan will pay the cost of some services before you reach the out-of-network deductible, but you may pay copayments and coinsurance for those services. You will pay 100% of services received out-of-network until you meet the $1,000 single/$2,000 family deductible.
Core Plan
This plan does not include a deductible for in-network services. The Core Plan will pay the cost of some services before you reach the out-of-network deductible but you may pay copayments and coinsurance for those services. You will pay 100% of services received out-of-network until you meet the $2,000 single/$5,000 family deductible.
Progressive Plan
This plan includes a $300 deductible per covered person, per coverage year for in-network services. Some in-network services may be covered before you reach the deductible, but copayments and coinsurance may apply. The deductible for out-of-network services is $3,000 individual/$6,000 family per coverage year. No out-of-network services are paid until the out-of-network deductible is met.
Resources
MVP Customer Service
If you have questions about medical procedures or medical services, please contact MVP Customer Service at 800-229-5851 (TTY 800-662-1220) Monday through Friday between 8 a.m. and 9 p.m. Eastern Time. Due to HIPAA policies, NY44 Health Trust employees and district employees cannot answer medical questions.
You can also find information on the MVP website at www.mvphealthcare.com
MVP Virtual Care
MVP has virtual primary care available from the Galileo medical group. Members can connect with a virtual medical team by text or video chat anytime, anywhere using the Gia mobile app. Galileo can act as your primary care provider or provide convenient care when you can’t get to your doctor. Click HERE for more information on the Gia mobile app and how to create an account to access care via Galileo.
MVP Health Care Nurse Advice Line
Call 1-888-687-6277 to reach the MVP Health Care Nurse Advice Line for access to experienced registered nurses 24 hours a day, 7 days a week. When you call:
- A service representative asks you basic questions about your symptoms or health concern.
- The information you provide is provided to a registered nurse who promptly calls you back to discuss your situation. The nurse can give you advice based on physician-approved guidelines.
The 24/7 Nurse Advice Line is not meant to replace a trip to the doctor’s office. Instead, the 24/7 Nurse Advice Line is designed to:
- Provide information about an illness, medical condition or injury when your doctor is not available.
- Help you understand your treatment options.
- Provide guidance in preparing for doctor visits.
