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Thank you for your interest in the New York State Bar Association endorsed health insurance program. Please fill out the section below to generate a customized health plan quote for your firm.
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**PLEASE NOTE:  The deadline to apply for health coverage for a September 1st effective date was August 11, 2010.  We are now accepting applications for October 1st effective dates with a deadline of September 13, 2010.

The Benefits Guide below compares the key features of each of the Association sponsored health plan options.
 
Benefits MVP PPO $25
PA015 w/515S Rx		 MVP PPO $30
PA002 w/ 515S Rx		 MVP PPO $40
PA008 w/515S Rx		 MVP EPO $40
EA007 w/500S Rx		 MVP HSA
High Option		 MVP HSA
Low Option
Office Visits $25 Copay $30 Copay $40 Copay $40 Copay Ded & Coins Ded & Coins
Annual Deductible $500/individual; $1,000/family $1,500/individual; $3,000/family $3,000/individual; $6,000/family $1,500/individual; $3,000/family $3,000 Indiv/ $6,000 Family $5,000 Indiv/$10,000 Family
Coinsurance 100% MVP Covers 80% After Deductible MVP Covers 80% After Deductible MVP Covers 80% After Deductible 25% After Deductible MVP Pays 25%
Lifetime Maximum Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited
Annual Out of Pocket Max $2,000/individual; $4,000/family $5,000/individual; $10,000/family $10,000/individual; $20,000/family $5,000/individual; $10,000/family $5,950 Indiv/ $11,900 Family $5,950 Indiv/ $11,900 Family
Preventive Care $25 Copay (Except Well Child Services Covered in Full) Covered in Full Covered in Full Covered in Full Covered in Full Covered in Full
Hospital Inpatient $500 Copay (1st admission only) Ded & Coinsurance Deductible & Coinsurance Deductible & Coinsurance Ded & Coins Ded & Coins
Labwork (Outpatient) Covered in Full Covered in Full Covered in Full Covered in Full Ded & Coins Ded & Coins
Therapy Services (Office Setting) $25 Copay $30 Copay $40 Copay $40 Copay Ded & Coins Ded & Coins
Prescription Drug $10/30/50 Unlimited $10/30/50 Unlimited $10/30/50 Unlimited $10 Unlimited Generic Only/ MVP Discounted Rate on Brand Medications Tier 1 25%/Tier 2 25%/Tier 3 50% after Ded Tier 1 25%/Tier 2 25%/ Tier 3 50% after Ded
Out-of-Network Services Deductible:
$2,500/indiv.;
$5,000/family
Coinsurance: MVP
Covers 60%
Annual OOP Max:
$12,500/indiv.;
$25,000/family
Lifetime Max: $1,000,000		 Deductible:
$3,000/indiv.;
$6,000/family
Coinsurance: MVP
Covers 60%
Annual OOP Max:
$10,000/indiv.;
$20,000/family
Lifetime Max: $500,000		 Deductible:
$6,000/indiv.;
$12,000/family
Coinsurance: MVP
Covers 60%
Annual OOP Max:
$20,000/indiv.;
$40,000/family
Lifetime Max: $500,000		 In-Network Only Benefits Not Available Not Available
Select any of the links below to download a detailed benefit summary for each of these plan options.