Membership Benefits:

• Open Access: No referral needed to see a specialist
• 24 hour doctor operated hotline
• Comprehensive HMO or POS plans to choose from

HMO (most services)				POS (most services)
	In-Network	Out of Network			In-Network	Out of Network
Co-pay	$20 Co-pay	Not Covered		Co-pay	$10 or $20 Co-pay	None
Deductible	None	Not Covered		Deductible	None	$1,000 or $2,000
Co-Insurance	None	Not Covered		Co-Insurance	None	$2,000 or $3,000
Emergency Room	$50 Co-pay	Not Covered		Emergency Room	$50 Co-pay	Subject to deductible and co-insurance
Hospital	$500 Co-pay	Not covered		Hospital	$0 or $250 or $500 Co-pay	Subject to deductible and co-insurance
				Maximum out of Pocket	N/A	$3,000 or $5,000

To contact the Sales Department by phone, please call 212.747.8280.