Plan Options

Plan Options

Exclusively through your NYSAPLS membership, you now have access to three comprehensive EPO medical plans, all including prescription drug coverage. This flexibility allows you to design a benefits package that works for you, your family and your employees.  The chart below provides a comparison of some key benefit features for the three EPO plan options. 

To view a more detailed benefit summary of each plan option, visit the Benefit Details tab to the left.  Or download the NYSAPLS Health Plan Benefits Guide for more information 

 Benefits        NYSAPLS Premier EPO $25     NYSAPLS Plus 
       EPO $30		         NYSAPLS  
  Comprehensive  
        EPO $30
 Office Visits  $25 Copay  $30 Copay  $30 Copay
 Annual Deductible  $500/individual;
 $1,000/family		  $750/individual;
 $1,500/family		  $1,500/individual; 
 $3,000/family
 Coinsurance MVP Covers 100% After Deductible  MVP Covers 80% 
 After Deductible		  MVP Covers 80%
 After Deductible
 Lifetime Maximum  Unlimited  Unlimited  Unlimited
 Annual Out of Pocket  $2,000/individual;
 $4,000/family 		 $2,500/individual;
 $5,000/family 		 $5,000/individual;
 $10,000/family
 Preventive Care  $25 Copay (Well Child Services Covered in Full)  Covered in Full  Covered in Full
 Hospital Inpatient  $500 Copay (1st
 admission only)		  Ded &
 Coinsurance		  Deductible &
 Coinsurance
 Labwork (Outpatient)  Covered in Full  Covered in Full  Covered in Full
 Therapy Services
 (Office Setting)		  $25 Copay  $30 Copay  $30 Copay
 Prescription Drug  $10/30/50
 Unlimited		  $10/25/40 to $2,500 Annual Max then 50% coverage  $10/25/40 to $2,500 Annual Max then 50% coverage