Frequently Asked Questions FAQ of NY Group & Company Health Insurance
- Where can I find a list of network providers for my health insurance plan?
Your health insurance company may have a listing of network providers on its website, including links and phone numbers. Your health plan's member services can also help you locate a network provider. Call the number on the back of your health insurance card.
- Are all the providers at a network facility always network providers?
Not all healthcare professionals offering services at a network facility are network providers. For example, an anesthesiologist, pathologist, radiologist or an emergency room doctor working at a network hospital might be a non-network provider. If you see a non-network provider—even if you have no choice in the matter—the non-network provider’s services will be paid at the non-network benefit level.
- What is a Health Savings Account (HSA)?
Associated with either the Health Investor HMO or PPO plans, this account allows you to use pretax dollars to pay your share of the cost for eligible health care expenses that are not covered by your health, dental or vision plans. Any unused HSA funds at the end of a year carry forward to the next year; you may also take unused HSA balances with you if you stop working for the state. When you are eligible for an HSA and have completed the necessary steps, the state makes a monthly contribution to your account (for active employees); you may also add your own contributions to your HSA.
- I am currently insured under another group insurance plan, but I have accepted a position with the State of Florida. Will my pregnancy be considered a pre-existing condition under the State of Florida Group Health Insurance Program?
No. Under the Affordable Care Act, pre-existing condition limitations no longer apply.
- What is the difference between HMOs, PPOs, and EPOs?
These health plans have different rules about seeing non-network providers. They also differ in whether or not they require that you have a primary care physician and whether or not you need a referral to see a specialist. For a more detailed explanation and a helpful video, see our PPO, EPO, and HMO page.