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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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CALCULATE RATE
 

**PLEASE NOTE:  The deadline to apply for health coverage for a March 1st effective date is February 11, 2010.

The Benefits Guide below compares the key features of each of the Association sponsored health plan options.
 
Benefits NYSBA Premier
PPO $25		 NYSBA Plus
PPO $30		 NYSBA Comprehensive
PPO $40		 NYSBA Basic
EPO $40
Office Visits $25 Copay $30 Copay $40 Copay $40 Copay
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
Coinsurance 100% MVP Covers 80% After Deductible MVP Covers 80% After Deductible MVP Covers 80% After Deductible
Lifetime Maximum 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
Preventive Care $25 Copay (Except Well Child Services 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
Labwork (Outpatient) Covered in Full Covered in Full Covered in Full Covered in Full
Therapy Services (Office Setting) $25 Copay $30 Copay $40 Copay $40 Copay
Prescription Drug $10/30/50 Unlimited $10/30/50 Unlimited $10/30/50 with $4,000 Annual Max $10 Unlimited Generic Only/ MVP Discounted Rate on Brand Medications
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
Select any of the links below to download a detailed benefit summary for each of these plan options.