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2018/2019 New York Group Health Insurance

Peak Advisors, Inc. is a full service group health insurance brokerage for 2018/2019 New York Group Health Insurance. We specialize in helping you find the health insurance plan that is right for your business. We offer the following group health insurance carriers: Aetna, Emblem, Empire BCBS, Health First, Health Pass, Oscar, UnitedHealthcare/Oxford.

Click here for current small group sample rates.

2018/2019 New York Group Health Insurance Provider Search Links & Participation Requirements:

United Healthcare/Oxford - (Freedom, METRO, and Liberty Networks) – Largest network option available of all carriers. Prices on the mid to high side. Options for plans with and without referrals. All plans require 60% enrolled after valid other coverage waivers. No other carrier can be written alongside Oxford.  MGMT carve-outs allowed.
Click Here for UHC/Oxford Provider Search - When selecting plan, choose Liberty, Metro or Freedom network depending on plan you are choosing.

Empire BC/BS - 2 Networks to choose from starting January 2019  - Mid to high range pricing depending on plan. Has excellent PPO/EPO no referral NY and National network. Also has lower priced, much smaller Blue Access Network.  All plans require 60% participation after valid other coverage waivers. PPO/EPO no referrals, Blue Access plans are plan specific with some requiring referrals and some not.
Click Here for Empire BCBS Provider Search – Go to SEARCH AS GUEST section and Click ‘search by selecting a plan or network’ then choose under How Do You Get Your Insurance ‘Through My Employer’ then for state use ‘New York’ and then for type of care choose ‘Medical’. Then under ‘Select a plan/network’ choose either:
PPO/EPO – for all EPO and PPO plans
Blue Access – EMPIRE {metal tier} Blue Access (EPO, GEPO, HMO)

Health Pass - private exchange comprised of multiple carriers and plan options at all Metal Tiers under one roof. Requires 75% loose participation that includes any other coverage waivers. Great for groups with diverse employee needs as only way to offer multiple carriers under one program and one bill. Also has optional Dental, Vision, Identity Theft, and Life/LTD options along with Free Cobra administration. For provider search use the Oxford, Oscar, or HealthFirst  links under the respective carrier links on this page.

Oscar - 2 networks as of January 1 2019. Quality mid size provider network called Circle that covers full downstate area. Technology driven carrier with Qualcare network access for NJ residents.  No referrals required. Buy up network option called Circle Plus adds Northwell, WestMed, Memorial SK, and out of area coverage via MultiPlan PHCS. Circle Plus network competes well with most other large network carriers. Currently Oscar has 51% participation rate and MGMT carve-outs allowed.
Click Here for Oscar Provider Search - choose ‘show options as employee’ and ‘NY’ in the dropdown to search for providers by using either network Circle or Circle Plus depending on your plan options.
Click Here for Oscar National Network Provider Search outside NY for Circle Plus plans.

Emblem - has 2 networks in 2019: PRIME TriState Network. Larger of the 2 networks. Some plans require, and some do not require a referral to see an in-network specialist. Mid to high prices. NO participation requirements. SELECT CARE Network. Smaller of the 2 networks, again some of these plans require referrals and some do not. Mid level prices and NO participation requirements.
Click Here for Emblem Provider Search - Use VISITOR SEARCH. Enter zip code, then select "PLAN OFFERED THRU MY EMPLOYER OR UNION". Next choose either one of these choices depending on the plan network you are offered: "Small Group plans that will start coverage on 1/1/2019 and onward and are on Prime Tristate network".  -or- “Small Group plans that will start coverage on 1/1/2019 and onward and are on Select Care network”

HealthFirst - NYC centric network covering 5 boroughs and Nassau counties only. Requires 60% enrollment after any other coverage waivers.  MGMT carve-outs allowed.
Click Here for Health First Provider Search - On middle of page under ‘I WANT TO…’ choose Find a Doctor or Hospital. Then under ‘Healthfirst EPO Provider Directory’  select either HealthFirst Pro EPO or HealthFirst Pro Plus EPO depending on your plan

Aetna - Large network carrier. Similar to Oxford plan rates but no Platinum level options. No referrals required. Require 60% enrolled after valid other coverage waivers. No other carrier can be written alongside Aetna. Minimum enrollment of 2 employees. Not a strong player in the small group market.
Click Here for Aetna Provider Search - When you are choosing a plan to find the doctor : 1) Aetna Open Access Plans… then 2) Elect Choice EPO (Open Access).

Call 631-207-1800, email or fill out form

FREE Small Group Health Quote!



** There are special participation requirements for “Owner Only” enrolling small groups in NY, and this might affect if your group is eligible for coverage as a small group, or if you must enroll in the individual marketplace. Please check with us on your particular situation so we can advise you on what plans you might be eligible for, or how you might be able to qualify for a group health plan. **

Healthcare Reform brings about new state insurance exchanges,  ever increasing premiums and new plan designs. With all of the new rules and regulations, now is the time for you to have us review your health insurance plan for your business. We work with all of the health insurance carriers, including the New York State of Health, and we can advise you on all of your options to help you narrow down your choices based on your particular business needs.

Most small businesses do not have the time or the resources to employ a benefits administrator. Peak Advisors, Inc.  will administer your health benefits for you, handling enrollments and employee administration, annual renewals and benefit designs, enabling you to focus on your own business. We review your plan each and every year, making sure your benefits are in line with your needs.

Should you already have a plan in place and are either not happy with the broker handling your account, or would simply like us to administer your account for you, we would welcome the opportunity.

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