Is ghi cbp a ppo

GHI: FEHB Standard Coverage for: Self Only, Self Plus One or Self and Family | Plan Type:EPO . The Summary of Benefits and Coverage (SBC) document will help you choose a health plan. The SBC shows you how you and the plan would share the cost for covered health care services.

Is ghi cbp a ppo. Members. If you are a member, you can contact us at the number on your EmblemHealth ID card. If you don’t have your ID card, scroll down to find the correct number for your plan. EmblemHealth Member Services. 800-447-8255. 8 am – 6 pm Monday-Friday (excluding major holidays*) HIP Members. 800-447-8255 | TTY/TDD: 711.

The EmblemHealth companies — Group Health Incorporated (GHI), GHI HMO Select, Inc. (GHI HMO), HIP Health Plan of New York (HIP) and HIP Insurance Company of New York (HIPIC) — negotiate rates with doctors, dentists and other health care providers. These providers are called in-network and agree to accept our …

To reach member services, please call 212-501-4444 (TTY: 711). Our hours are Monday to Friday 8 am to 6 pm. Our agents will be happy to help. EmblemHealth insurance plans are underwritten by Group Health Incorporated (GHI), HIP Health Plan of New York (HIP) and HIP Insurance Company of New York. 04/24.CBP: City of New York GHI PPO Claims for facility and other services managed by Empire 800-433-9592: EyeMed: All: For all members with a vision care benefit EyeMed 4000 Luxottica Place Mason, Ohio 45040: eyemed.com Medicare: 844-790-3878 Medicaid: 877-324-2791 Commercial (HMO, PPO, POS): 877-324-4063Emblem Health GHI PPO CNY Preauthorization V2.3.3 CPT Code Description Effective date Termination date Category/Vendor/Procedure & Services Category Line of Business Vendor Notes/Comments 0609T Magnetic resonance spectroscopy, determination and localization of discogenic pain (cervical, thoracic, or lumbar);Healthgrades' Patient Safety Excellence Award places Northwell's Manhattan flagship hospital in the top 10 percent of hospitals nationwide for delivering safe, high-quality care.To reach member services, please call 212-501-4444 (TTY: 711). Our hours are Monday to Friday 8 am to 6 pm. Our agents will be happy to help. EmblemHealth insurance plans are underwritten by Group Health Incorporated (GHI), HIP Health Plan of New York (HIP) and HIP Insurance Company of New York.

EmblemHealth : PPO Coverage for: Individual/Family. Plan Type: PPO July 1, 2023 - June 30, 2024. The Summary of Benefits and Coverage (SBC) document will help you choose a health plan. The SBC shows you how you and the plan would share the cost for covered health care services. NOTE: Information about the cost of this plan (called the premium ... EmblemHealth : PPO Coverage for: Individual/Family. Plan Type: PPO July 1, 2023 - June 30, 2024. The Summary of Benefits and Coverage (SBC) document will help you choose a health plan. The SBC shows you how you and the plan would share the cost for covered health care services. NOTE: Information about the cost of this plan (called the premium ... EmblemHealth : PPO Coverage for: Individual/Family Plan Type: PPO OMB Control Numbers 1545-2229, 1210-0147, and 0938-1146 Released on April 6, 2016 252 1 of 10 The Summary of Benefits and Coverage (SBC) document will help you choose a health plan. The SBC shows you how you and the plan would share the cost for covered health care services.I — CBP Hospital Benefits Summary (cont.) GHI — CBP Hospital Benefits Summary Basic 20Hospital 2benefits 21Basic Hospital In-network You pay: 021Basic Hospital Out-of-network You pay: Skilled nursing facility1 Up to 90 days per calendar year. NYC Healthline may substitute benefits if medically appropriate. 2 ½ outpatient visits=1 day in a Blue Cross and Blue Shield Association BlueCard® PPO Program network, which provides you with access to network care across the country, it should be easy to find a participating facility in a convenient location. Cardiac rehabilitation services. Pulmonary rehabilitation services. Complex diagnostic test and radiology. Radiation therapy. Vision care (Medicare-covered) *Please note this is not a full list. For specific benefit questions, call 800-624-2414 (TTY: 711 ), 8 a.m. to 8 p.m., seven days a week. You can enhance your Senior Care program with the ...

EmblemHealth : PPO Coverage for: Individual/Family Plan Type: PPO OMB Control Numbers 1545-2229, 1210-0147, and 0938-1146 Released on April 6, 2016 252 1 of 10 The Summary of Benefits and Coverage (SBC) document will help you choose a health plan. The SBC shows you how you and the plan would share the cost for covered health care services. Using an out-of-network provider, therefore, may result in a substantial out-of-pocket expense for you. Be aware, your network provider might use an out-of-network provider for some services (such as lab work). Check with your provider before you get services. Please look at your Certificate or Group Contract to find out if a particular service is covered under your Benefit Plan. Search for primary care doctors, specialists, hospitals, and other services in any of our networks. You can search our ‘Find Care’ directory by plan, look up doctors by name, specialty, location, and more.Many have Radisson points but may not think of them often. But maybe you should transfer Radisson Americas points now. Here's how we did it. Increased Offer! Hilton No Annual Fee 7...Plan Type: PPO. The Summary of Benefits and Coverage (SBC) document will help you choose a health plan. The SBC shows you how you and the plan would share the cost …Please look at your Certificate or Group Contract to find out if a particular service is covered under your Benefit Plan. Search for primary care doctors, specialists, hospitals, and other services in any of our networks. You can search our ‘Find Care’ directory by plan, look up doctors by name, specialty, location, and more.

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MSK has a tentative agreement with Cigna to continue coverage in 2024. Commercial, Connecticare, POS, EPO, HMO. Commercial, Emblem, PPO, POS, EPO, HMO. Offers a ...To submit a claim for Outpatient Mental Health EmblemHealth - BMP P.O. Box 2827 New York, NY 10116-2827 To submit a claim for Inpatient Mental Health and Substance Abuse (Note:Generally, it is the provider’s/ facility’s responsibility to submit these claims.) EmblemHealth - BMP P.O. Box 2833 New York, NY 10116-2833.Most insurance companies offer different types of health plans. And when you are comparing plans, it can sometimes seem like alphabet soup. What is the difference between an HMO, P...Key Property. GHI CBP offers pliant coverage. You get: Coverage for in-network and out-of-network services. Low copays for in-network services. No planned deduction by base …

I just left city employment lol but GHI CBP is superior and it’s a PPO. I went with the DC37 plan since that was my union and I’ve had no problems with it. My former boss has GHI CBP and sees a variety of doctors in many …Our representatives are available to schedule your appointment Monday through Friday from 9am to 5pm. For a Northwell ambulance, call (833) 259-2367.GHI-CBP/EBCBS Services Requiring Pre-Certification: If you are an employee or non-Medicare eligible retiree participating in GHI-CBP/Empire BlueCross BlueShield. As previously communicated, many procedures require pre-certification. Your provider should call NYC Healthline at 1-800-521-9574 for pre-certifications including: In-patient AdmissionsEmblem/GHI. CBP EPO; CBP PPO; Network Access Plan; Medicare ASO; Medicare PPO; Dual Eligible PPO SNP; GHI PPO; Denta Quest – (Dental) Medicaid; CHP; Empire (See ...EmblemHealth PPO (GHI) - National. InBalance PPO - National. EmblemHealth PPO (GHI) - Tri-State ... GHI CBP. HIP HMO Preferred. GHI HMO. New York City Transit ...Commercial Plans (HIP/GHI) Medicaid Plans (HIP) Medicare Plans (HIP/GHI) Contact Information. CADS Anesthesia Services PLLC: Kings & Richmond Counties: Yes: Yes: Yes: 201‑804‑2800: Long Island Anesthesia Physicians: Nassau & Suffolk Counties: Yes: Yes: Yes: 631‑744‑3671, Press 2: NAPA (North American Partners in Anesthesia)PPO Preferred Plan Full Rx Formulary 2021 Formulary (List of Covered Drugs) PLEASE READ: THIS DOCUMENT CONTAINS INFORMATION ABOUT THE DRUGS WE COVER IN THIS PLAN. This formulary was updated on 1/01/2021. To reach member services, please call 212-501-4444 ( TTY: 711). Our hours are Monday to Friday 8 am to 6 pm. Our …To reach member services, please call 212-501-4444 (TTY: 711). Our hours are Monday to Friday 8 am to 6 pm. Our agents will be happy to help. EmblemHealth insurance plans are underwritten by Group Health Incorporated (GHI), HIP Health Plan of New York (HIP) and HIP Insurance Company of New York.

Plan Details. Key Features. GHI CBP offers flexible coverage. You get: Coverage for in-network and out-of-network services. Low copays for in-network services. No payroll deduction for base coverage. No referrals for in-network doctors. $0 copay if you use an …

CBP Network (City of New York) Tristate Network/National Network Medicare Choice PPO (GHI Retirees) Provider Customer Service Use the Message Center link at emblemhealth.com; 866-447-9717 Montefiore (CMO)-managed members: 888-666-8326 HealthCare Partners (HCP)-managed members: 800-877-7587 Speak to an EmblemHealth specialist for help finding the right plan. Call seven days a week from 8 a.m. to 8 p.m. EmblemHealth provides all our members the latest plan & health information, including GHI Insurance information. We are dedicated to helping you stay healthy, get well, and live better. See the “Out-Of-Network Reimbursement Examples for GHI CBP” chart in Section III - Additional Program Information, for more out-of-network reimbursement examples. You will be held harmless for any non-participating provider charges for the surprise bill that exceeds your in-network copayment, deductibleprovider may charge but is set at a fixed amount based on GHI’s 1983 reimbursement rates. Most ... Plan Type: PPO * For more information about limitations and exceptions, ... Summary of Benefits and Coverage: GHI CBP Enhanced - Coverage Period: 07/01/2023- …The expenses involved in visits to a dentist's office can do severe damage to your wallet. Whether the visit entails a routine cleaning, an orthodontic exam or an emergency procedu...Members. If you are a member, you can contact us at the number on your EmblemHealth ID card. If you don’t have your ID card, scroll down to find the correct number for your plan. EmblemHealth Member Services. 800-447-8255. 8 am – 6 pm Monday-Friday (excluding major holidays*) HIP Members. 800-447-8255 | TTY/TDD: 711.After your first 60 days of employment, complete and submit SF- 2809 (FEHB – Health Benefits Election Form) to the Retirement and Benefits Portal or mail original to U.S. Customs and Border Protection, Retirement and Benefits Advisory Services (RABAS), 90K Street NE, 5th Floor, Washington, DC 20229, Mail Stop 1400.The Summary of Benefits and Coverage (SBC) document will help you choose a health plan. The SBC shows you how you and the plan would share the cost for covered health care services. NOTE: Information about the cost of this plan (called the premium) will be provided separately. This is only a summary. For more information about your coverage, or ... Enhanced schedule increases the reimbursement of the basic program's non-participating provider fee schedule, on average, by 75%. Pre-certification required contact NYC Healthline at 1-800-521-9574. 200 visits per member per plan year. Preauthorization required. Coverage limited to 16 visits per calendar year.

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GHI CBP (City of New York Employees) GHI Emblem Health EPO; GHI Emblem Health PPO; GHI HMO; GHI HMO Medicare; GHI Medicare PPO; GHI Medicare Supplement; GHI Network Access - Benefit Services of PA; GHI Network Access - Humana; GHI Network Access - Total Plan Concepts; IUOE Local 14-14B; Wlny-TV Inc. HIP . …If you have a plan in mind, enter it here to begin, otherwise start by selecting a category below to view all available plans. Search for primary care doctors, specialists, hospitals, and other services in any of our networks. You can search our ‘Find Care’ directory by plan, look up doctors by name, specialty, location, and more.Find EmblemHealth (formerly known as GHI) Ear, Nose & Throat Doctors & Providers with verified reviews. Make an appointment online instantly with Ear, Nose & Throat Doctors that accept EmblemHealth (formerly known as GHI) insurance. It's free! All appointment times are guaranteed by our EmblemHealth (formerly known as GHI) …I just left city employment lol but GHI CBP is superior and it’s a PPO. I went with the DC37 plan since that was my union and I’ve had no problems with it. My former boss has GHI CBP and sees a variety of doctors in many …In 2006, GHI merged with the Health Insurance Plan (HIP) of Greater New York, becoming EmblemHealth. Today, members can obtain a wide variety of GHI …Benefits Summary: GHI Senior Care Medical Care Your Cost. Office visits (PCPs and specialists) After you have met your Medicare Part B deductible, Medicare Part B will pay 80% of your covered medical expenses. For EmblemHealth to pay the remaining 20%, you must pay your $50 Senior Care deductible. Once your deductibles are met, a $15 copay will ...ghi cbp ppo epo. ghi hmo. ghi ppo epo. hcp child health plus. health exchange. hip. hip child health plus. hip exchange. hip hcare partners cohort hmo. ... ppo cbp non nyc employee. ppo cbp nyc employees. ppo non cbp. globe life insurance. govt emp hosp assoc. ppo. great west. healthcare hmo pos. guardian. guildnet. health first. PPO Preferred Plan Base Benefit Formulary 2021 Formulary (List of Covered Drugs) PLEASE READ: THIS DOCUMENT CONTAINS INFORMATION ABOUT THE DRUGS WE COVER IN THIS PLAN. This formulary was updated on 10/01/2021. To reach member services, please call 212-501-4444 (TT Y: 711). Our hours are Monday to Friday 8 am to 6 pm, Our agents will be happy to ... The DC 37 Med-Team health insurance plan is offered to DC 37 Med-Team active employees and non-Medicare eligible retirees living in the states of New York and New Jersey.Our Dental Plans We offer three dental plans to employer groups throughout New York State and to their employees who live in or out of the state.* These plans are preferred provider organizations (PPO) and are underwritten by Group Health Incorporated (GHI), an EmblemHealth company. Groups range in size from as few as five employees to …The information in this section is intended to provide general information and highlights regarding the GHI HMO plan. It does not provide a complete benefit description. GHI HMO plan coverage is subject to all terms, conditions and limitations contained in the certificate of insurance. Refer to GHI policy form PGHMO1387.EmblemHealth : PPO Coverage for: Individual/Family Plan Type: PPO OMB Control Numbers 1545-2229, 1210-0147, and 0938-1146 Released on April 6, 2016 251 1 of 10 The Summary of Benefits and Coverage (SBC) document will help you choose a health plan. The SBC shows you how you and the plan would share the cost for covered health care services. ….

The NYC Medicare Advantage Plus Plan is a Group Medicare PPO, which does not restrict access to providers. Retirees can go to any doctor or hospital that accepts ... the NYC Medicare Advantage Plus Plan and the under-65 member will be in the Empire GHI CBP plan, both at no cost to the retiree. If the retiree chooses to pay up to remain in anotherIn 2021, EmblemHealth is ofering more plans that do not require referrals. This makes it easier for our providers to connect members with the care they need. Providers should allow members with these plans to make an appointment without a referral. Please print the list below as a reference tool for your staf, especially for appointment schedulers. Blue Cross and Blue Shield Association BlueCard® PPO Program network, which provides you with access to network care across the country, it should be easy to find a participating facility in a convenient location. EmblemHealth GHI CBP; EmblemHealth GHI PPO; EmblemHealth National; EmblemHealth PPO1; EmblemHealth PPO2; EmblemHealth PPO3; EmblemHealth Tri-State; Vytra; Empire BCBS. Blue Priority; Direct HMO; Direct PPO; Empire BCBS EPO; Empire BCBS GEPO; Empire BCBS HealthPlus Gatekeeper (prefix VFG)Please look at your Certificate or Group Contract to find out if a particular service is covered under your Benefit Plan. Search for primary care doctors, specialists, hospitals, and other services in any of our networks. You can search our ‘Find Care’ directory by plan, look up doctors by name, specialty, location, and more.Please look at your Certificate or Group Contract to find out if a particular service is covered under your Benefit Plan. Search for primary care doctors, specialists, hospitals, and other services in any of our networks. You can search our ‘Find Care’ directory by plan, look up doctors by name, specialty, location, and more.Benefits Summary: GHI CBP Medical Care Your In-Network Copays Your Out-of-Network Cost PCP office visit* $15 Annual deductible: $200 individual/$500 family You pay the difference between the doctor’s fee and GHI’s reimbursement. This amount may be substantial. Specialist office visit $30 Diagnostic lab/X-ray $20 Routine physical exam $0 Note for GHI-CBP Members: Hospitalization coverage for GHI CBP is underwritten and administered by Anthem BlueCross and BlueShield. View the Anthem Directory of participating NY, NJ, CT hospitals* *Provider information contained in the Anthem BlueCross and BlueShield Directory is updated on a regular basis and may have changed. GHI: FEHB Standard Coverage for: Self Only, Self Plus One or Self and Family | Plan Type:EPO . The Summary of Benefits and Coverage (SBC) document will help you choose a health plan. The SBC shows you how you and the plan would share the cost for covered health care services.CBP: City of New York GHI PPO Claims for facility and other services managed by Empire 800-433-9592: EyeMed: All: For all members with a vision care benefit EyeMed 4000 Luxottica Place Mason, Ohio 45040: eyemed.com Medicare: 844-790-3878 Medicaid: 877-324-2791 Commercial (HMO, PPO, POS): 877-324-4063 Is ghi cbp a ppo, GHI EPO: Yes: GHI PPO: Yes: HIP EPO: Yes: HIP HMO: Yes, for emergency services. Please note that prior approval is required for non-emergency services. Please have your doctor call 1-866-447-9717. HIP POS: Yes, for emergency services. Please note that prior approval is required for non-emergency services. Please have your doctor call 1-866-447 ..., Members. If you are a member, you can contact us at the number on your EmblemHealth ID card. If you don’t have your ID card, scroll down to find the correct number for your plan. EmblemHealth Member Services. 800-447-8255. 8 am – 6 pm Monday-Friday (excluding major holidays*) HIP Members. 800-447-8255 | TTY/TDD: 711. , The Summary of Benefits and Coverage (SBC) document will help you choose a health plan. The SBC shows you how you and the plan would share the cost for covered health care services. NOTE: Information about the cost of this plan (called the premium) will be provided separately. This is only a summary. For more information about your coverage, or ..., The NYC Medicare Advantage Plus Plan is a Group Medicare PPO, which does not restrict access to providers. Retirees can go to any doctor or hospital that accepts ... the NYC Medicare Advantage Plus Plan and the under-65 member will be in the Empire GHI CBP plan, both at no cost to the retiree. If the retiree chooses to pay up to remain in another, Emblemhealth : PPO Coverage for: Individual/Family Plan Type: OMB Control Numbers 1545-2229, 1210-0147, and 0938-1146 Released on April 6, 2016 250 1 of 9 The Summary of Benefits and Coverage (SBC) document will help you choose a health plan. The SBC shows you how you and the plan would share the cost for covered health care services., So I thought about just picking between the 2 most popular plans they offer: GHI-CBP and HIP-HMO. Do I pick GHI-CDP or HIP-HMO? AFAIK, the only difference is that HIP has no-pays but requires PCP referrals, while GHI-CDP has co-pays but does not require PCP referrals., It’s health insurance enrollment time and you’re faced with choosing a PPO or HMO. Though it’s easy to become confused about the distinctions between HMOs and PPOs, it pays to know..., , EmblemHealth’s Bridge Program Is Growing! The Bridge Program gives members access to a combination of our existing EmblemHealth Insurance Company's Prime Network, EmblemHealth Plan, Inc.'s National Network, ConnectiCare, Inc.'s Choice Network, as well as QualCare’s and FirstHealth’s networks. Click here for more., POLA ORBIS is reporting earnings from the most recent quarter on February 14.Analysts expect POLA ORBIS will report earnings per share of ¥13.00.F... On February 14, POLA ORBIS wil..., CBP filed a new regulation for comment that proposes harmonizing the cost of its trusted traveler programs. Global Entry and Nexus would go up in price, while SENTRI would go down ..., GhI-CBP is basically you can see any doctor whenever you want with copays and no real need for referrals. HIP HMO you see your PCP first and request a referral for a specific reason. ( this must be done for every new issue, not recurring issues as …, If you have a plan in mind, enter it here to begin, otherwise start by selecting a category below to view all available plans. Search for primary care doctors, specialists, hospitals, and other services in any of our networks. You can search our ‘Find Care’ directory by plan, look up doctors by name, specialty, location, and more., City of New York Hospital Only Plan GHI - CBP Hospital ... Plan Type: PPO . The Summary of Benefits and Coverage (SBC) document will help you choose a health plan. The SBC shows you how you and the plan. would share the cost for covered health care services. NOTE: Information about the cost of this plan (called the premium) will, JPMORGAN DIVERSIFIED FUND CLASS C- Performance charts including intraday, historical charts and prices and keydata. Indices Commodities Currencies Stocks, PPO (800) 624-2414: Anthem EPO: EPO (800) 767-8672: Anthem Blue Access Gated EPO: EPO (833) 924-1055: GHI-CBP/Anthem Blue Cross and Blue Shield. GHI Emblem Health Anthem Blue Cross and Blue Shield. PPO (800) 624-2414 (800) 433-9592. GHI HMO: HMO (877) 244-4466: HIP HMO: HMO (833) 269-4653: HIP Prime POS: PPO, You can choose from among consumer-driven and high deductible plans that offer catastrophic risk protection with higher deductibles, health savings/reimbursable …, CBP Network (City of New York) Tristate Network/National Network Medicare Choice PPO (GHI Retirees) Provider Customer Service Use the Message Center link at emblemhealth.com; 866-447-9717 Montefiore (CMO)-managed members: 888-666-8326 HealthCare Partners (HCP)-managed members: 800-877-7587, Empire BlueCross BlueShield Hospital Plan Only (Companion to GHI-CBP Medical Coverage) GHI-CBP Basic Plan. GHI-CBP Basic Plan with Enhanced Schedule (Rider Other) GHI-CBP Basic with Enhanced Schedule & Prescription Drugs (Rider Other) GHI HMO Basic Plan. GHI HMO Basic Plan with Prescription Drugs (Optional Rider) HIP …, Find doctors. Find EmblemHealth (formerly known as GHI) Doctors & Providers with verified reviews. Make an appointment online instantly with Doctors that accept EmblemHealth (formerly known as GHI) insurance. It's free! All appointment times are guaranteed by our EmblemHealth (formerly known as GHI) Doctors & Providers., GHI PPO — $15 copay v HIP HMO’s $10. GHI has a large network and you don’t need a referral for specialists. HIP gives very limited options and you need referrals for everything. I highly recommend the GHI plan., Most insurance companies offer different types of health plans. And when you are comparing plans, it can sometimes seem like alphabet soup. What is the difference between an HMO, P..., Please check that a provider is in your network or plan before scheduling a visit with them., The NYC Medicare Advantage Plus Plan is a Group Medicare PPO, which does not restrict access to providers. Retirees can go to any doctor or hospital that accepts ... the NYC Medicare Advantage Plus Plan and the under-65 member will be in the Empire GHI CBP plan, both at no cost to the retiree. If the retiree chooses to pay up to remain in another, Find EmblemHealth (formerly known as GHI) Doctors & Providers with verified reviews. Make an appointment online instantly with Doctors that accept EmblemHealth …, Speak to an EmblemHealth specialist for help finding the right plan. Call seven days a week from 8 a.m. to 8 p.m. EmblemHealth provides all our members the latest plan & health information, including GHI Insurance information. We are dedicated to helping you stay healthy, get well, and live better., GHI: FEHB Standard Coverage for: Self Only, Self Plus One or Self and Family | Plan Type:EPO . The Summary of Benefits and Coverage (SBC) document will help you choose a health plan. The SBC shows you how you and the plan would share the cost for covered health care services., The Global Entry program is a U.S. Customs and Border Protection (CBP) initiative that allows travelers to quickly and securely enter the United States. One of the biggest benefits..., The table below describes all formulary changes going into effect for our Medicaid (until March 31, 2023) and Medicare members in 2023. For our Commercial members, this table highlights the most highly impacted drugs. For a comprehensive listing of all plans see: 2023 Summary of Companies, Lines of Business, Networks & Benefit Plans., CBP Network (City of New York) Tristate Network/National Network Medicare Choice PPO (GHI Retirees) Provider Customer Service Use the Message Center link at emblemhealth.com; 866-447-9717 Montefiore (CMO)-managed members: 888-666-8326 HealthCare Partners (HCP)-managed members: 800-877-7587, Aetna Medicare Advantage Plan (PPO) and Aetna Medicare Advantage Plan with ... Empire MediBlue Freedom PPO ... If you are enrolled in a plan other than GHI-CBP, GHI ..., EmblemHealth PPO (GHI) - National. InBalance PPO - National. EmblemHealth PPO (GHI) - Tri-State ... GHI CBP. HIP HMO Preferred. GHI HMO. New York City Transit ..., GHI PPO — $15 copay v HIP HMO’s $10. GHI has a large network and you don’t need a referral for specialists. HIP gives very limited options and you need referrals for everything. I highly recommend the GHI plan.