Built Exclusively For Architects and Their Employees
- Multiple plan designs make it easy for you to find the right fit for your firm.
- Level-funded plans leverage the organization’s power to purchase healthcare benefits at competitive rates.
- Unlimited Major Medical Coverage for firms of all sizes – groups of 1 to 1000+
- An experienced team is always ready to provide expertise before and after you have chosen your plan.
- A comprehensive network of doctors and pharmacies for complete coverage
Rates as low as $306/Month
Enjoy the cost savings of level-funding, without added risk with the Greater New York Architects Health Plan. Our program gives employees access to broad, national health care provider networks and RBP (Reference Based Pricing) models, to provide quality health benefits.
HOW TO GET STARTED
Take these four easy steps to save on quality healthcare coverage:
GATHER DOCUMENTS
- Download and complete census here
- Gather health plan design/employee benefits & latest premium invoice
- Email all attachments to rachellachance@worldinsurance.com
EMPLOYEES COMPLETE THE PERSONAL HEALTH QUESTIONNAIRE (PHQ)
OR
EMAIL CURRENT PLAN PROVIDERS ANNUAL EXPERIENCE REPORTIn under 10 minutes, you can complete our Online PHQ. The Online form is secure, encrypted, and HIPAA compliant. Click here to get started
REVIEW PLANS & RATES
Once your PHQ is evaluated, you’ll be able to review and compare the plans available. A choice of plans makes it easier to find the right fit for your group.
CHOOSE YOUR PLAN AND GET ENROLLED
After reviewing and choosing your plan, you’ll enroll. Once enrolled, you will receive your new health plan cards. An experienced team is always ready to provide expertise before and after you have chosen your plan.
GNYAHP FAQ: Frequently Asked Questions
Q: Who is eligible?
A: Member companies in good standing (per bylaws) may join the Health Plan. The benefits are offered to you, your employees and their dependents.
Q: Why is the association offering this?
We are always seeking to improve our member benefits. We Saw an opportunity to offer our membership a quality healthcare solution with long term rate stability, built EXCLUSIVELY for architects.
Q: What are the benefits?
The health insurance program was built EXCLUSIVELY for association members and offers you, your employees, and their dependents quality healthcare with affordable monthly premiums and long term rate stability.
Q: What is the process? How does this work?
All enrolling members will submit a PHQ. (Personal Health Questionnaire). The PHQ’s are collected through a secure portal and dropped into a HIPAA compliant database. The PHQ is a summary of your health history. Utilizing the combined history of an organization’s population, customized rates can be formulated. history. Utilizing the combined history of an organization’s population, customized rates can be formulated.
Q: What does it cost?
The cost is to be determined after the census gathering portion of the process. There is no way to determine exact rates until the stop loss carrier can see a sample of the groups. But, we have traditionally seen rates exact rates until the stop loss carrier can see a sample of the groups. But, we have traditionally seen rates anywhere from 10% – 25% lower than the marketplace for comparable products. We also implement a tiered rating system for the plan that helps reach a majority of the groups.
Q : How long are plans are rates offered by the Health Plan valid? by the Health Plan valid? Can my coverage be canceled at any time?
Plans and rates are good for one year from the initial offering date of 2022. Once launched, the Health Plan cannot cancel the coverage during the plan year. Groups will receive advance notice of changes or termination upon renewal, as state and federal laws require.
Q: What networks are available to plan members?
• First Health- PPO: https://www.myfirsthealth.com
• RBP – PHCS Provider and open network facilities: www.multiplan.com/webcenter/portal/ProviderSearch
Q: What if there is an emergency and I goto a hospital outside of the network?
If you are experiencing a true medical emergency then you can go to any hospital’s emergency room. If it is not a true emergency some restrictions may apply.
Q: Could we go with an Open Network? Could we use Blue Cross or United Networks?
The Reference Based Pricing option is an “open network” program. While members can see a provider in the PHCS network, they can also see any provider and they will be covered.
Q: Can my employees and their beneficiaries be seen at our facility even if we are out-of-network?
Employees are covered at their own facility or that of their spouse or parent.
Q: Can my employees or I continue the treatment plans that have been authroized by our current carrier?
When switching to a new health plan, you must go through the authorization procedures of the new plan. Through a partnership with My Advocate Pro, the Health Plan has a team of highly trained consumer advocates ready to assist with the process.
Q: What does the health plan cover? Does the health plan include dental coverage?
The health plan covers all essential coverages required by the ACA as any carrier product. The health plan does not provide dental but it can be purchased as a separate benefit from your agent.
Q: Is there an open enrollment period?
The open enrollment period will be 30 days prior to launch (1/1/22) and 30 days post-launch (1/30/22).
Q: Can an indivdual employed by a member company enroll individually or is this benefit only availabel to member companies who would enroll their employees?
The plan is offered at the member company level, not the individual level.
Q: Is there a minimum number of employees that need to be enrolled?
The plan requires two eligible employees enroll. Those employees can be related.
Q: How does the Pharmacy discount card work?* (*Only applies to $7350 plan)
On the $7350 deductible plan there is an integrated Rx/Pharmacy card. This allows members access to discounted pharmaceutical pricing that will seamlessly accumulate towards a member’s annual deductible. Discount cards are integrated with the PBM so members do not have to worry about keeping track of a separate benefit card. Show your ID card at the pharmacy counter and let the GNYAHP do the rest. This is exclusive to the $7350 plan as drug copays are generally cheaper on the lower deductible plans. In many cases the discount pharmacy card has less expensive tier 1 & 2 generics for members.
Q: Are these plans subject to the Employee Retirement Income Security Act (ERISA)?
Yes, these plans are subject to ERISA.
Q: Can members utilize their local broker to obtain this coverage?
That is not available at this time.
