Empire BlueCross BlueShield of New York

In terms of Health Maintenance Organization (HMO) and Preferred Provider Organization (PPO) membership, Empire BlueCross BlueShield (Empire) is one of the largest health insurance carrier in New York serving 28 eastern and southeastern counties. Empire started in 1934 and continues to offer a vast portfolio of health insurance plans and high quality health care services to individuals, families and employers in the United States.

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Why Choose Empire?

BlueCard® Program
Through this program, you’ll have access to health coverage for urgent and emergency care when you’re travelling to another state.

24/7 NurseLine
Get medical information and help from registered nurses through Empire’s 24/7 NurseLine.

Doctor Tool
If you need to find the nearest in-network physician, hospital or pharmacy in your area, simply use the Doctor Tool application on your pc or mobile phone.

Estimate Your Cost
This helps you compare the cost of common medical procedures and health care facilities in your area.

Empire HealthChoice Assurance, Inc. and Empire HealthChoice, Inc. are independent licensees of the Blue Cross Blue Shield Association. Empire is also a subsidiary of WellPoint Inc.

Individual and Family Health Insurance Plan Options

Empire BCBS of New York offers a variety of health insurance plan options for individuals and families both on and off the exchange. For Empire health plans sold on the exchange, these are categorized into metal-tiers. Bronze plans have the lowest premiums while Platinum plans offer the highest premium levels and coverage benefits.

For plans sold off the exchange, they are categorized into:


      • CoreCore plans have low monthly premiums but have higher out-of-pocket costs when you get medical care. These plans also have higher deductibles, coinsurance and copays than the other plan types offered by Empire.

      • EssentialUnlike Core plans, you pay less when you get medical care with Empire Essential plan, but still have low monthly premiums.

      • PreferredPreferred plans have higher premiums compared to the Core and Essential plans but offer more health benefits and you pay less when you get health care.

      • PremierPremier plans provide the highest level of health care benefits and have the lowest out-of-pocket costs when you receive covered health care services. Premier plans also have the highest monthly premiums compared to the three plans.

Ready to sign up?

Empire also offers Health savings account (HSA) plans. To get more details on  which plans listed above offers the HSA plans, call your HSA for America Personal Benefit Manager at 866-749-2039 or get an instant quote below.


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Disclaimer: All information on this website is relayed to the best of the Company's ability, but does not guarantee accuracy. Information may be out of date. The content provided on this site is intended for informational purposes only and does not guarantee price or coverage. This site is not intended as, and does not constitute, accounting, legal, tax, and/or other professional advice. Determination of actual price is subject to Carriers.