BENEFITS

Health Insurance

The Empire BCBS EPO (Exclusive Provider Organization) plan delivers in-network only benefits. Members must seek care from participating providers, except in the case of a life-or limb-threatening emergency. If care is received from a non-participating provider, the claim will not be paid. It is the member’s responsibility to confirm that the providers and specialists they are seeing participate in the network.

• Embedded Deductible: Each covered family member only needs to satisfy his/her individual deductible, not the entire family deductible, prior to receiving plan benefits.
• Embedded Out-of-Pocket Maximum: Once the member has reached the individual out-of-pocket maximum, services will be covered 100% for that individual for the remainder of the calendar year.
• Inpatient admissions, outpatient surgery, x- rays, high level imaging, mental health and substance abuse require preauthorization. Please refer to your Certificate of Coverage for detailed information.

Dental Insurance

The Empire PPO dental plan allows you the freedom to select the dentist of your choice. You can utilize a large network of participating dentists who accept Empire Contracted Fee Schedule as payment in full after deductible and coinsurance. Out-of-network providers may not accept Usual, Customary, and Reasonable (UCR) reimbursement for the geographic area where services are received as payment in full and may balance bill without limit.

Vision Insurance

The Empire Blue View vision plan allows you the freedom of seeing the provider of your choice. If you choose an in-network provider, you will have lower out-of-pocket expenses. After you have exhausted your funded benefit, you are also eligible to access significant discounts on materials through participating network providers.

Other benefits include: Retirement Plan, Sick Leave, Paid Vacation, Paid Holidays & More.