If you want to continue treatment with a physician you have been seeing, you should check whether you can continue coverage through a plan. Another consideration is whether your local hospital, where your local physicians are likely to have privileges, is affiliated with a plan you are considering. Cost factors are important considerations. For example, some plans require payroll deductions for basic coverage. The cost of optional riders differs.
Some plans require a copayment for each routine doctor visit.
Some plans require payment of a yearly deductible before the plan reimburses the cost of using non-participating providers. To help members make decisions, the tables in this pullout section compare the highlights of the various plans available to New York City employees. The same health plans that were available to members last year are available during this open enrollment period. Some of these plans have payroll deductions for basic coverage. If non-participating providers are used, members must first pay for services and then file a claim.