Health Insurance: 2010 Plans

In New York, Freelancers Union offers eligible members PPO or high-deductible plans through Freelancers Insurance Company (FIC). Freelancers Union also offers health insurance in other states through United Healthcare's Golden Rule Insurance Company.

Quick Comparison

This section gives you some high-level facts to help you decide whether or not you want to dig into the details. All benefits presented on this page are for services received from in-network providers unless otherwise noted. These health insurance plans and rates are effective on January 1, 2010.

  • PPO1

    $497/mo

    (member)

    $894/mo

    (plus child(ren))

    $1,043/mo

    (plus spouse)

    $1,391/mo

    (plus family)


    Dr. office visits

    Primary care

    $25 copay

    Specialist

    $50 copay



    Deductible / co-ins

    $1,500 indiv ded, then 20%

    Out-of-pocket max

    $6,000 indiv / $12,000 family



    Prescriptions

    Deductible

    $200

    Generics

    $15 copay

    Formulary

    $50 copay

    Non-formulary

    $100 copay

    Brand specialty

    $100 copay



    Out-of-network services

    $3,000 indiv ded, then 50%

    Out-of-pocket max

    $15,000 indiv / $30,000 family



    Lab tests

    Office

    $10 copay

    Freestanding lab

    $10 copay



    Imaging tests

    20% co-ins



    Mental health

    $50 copay (30 visits / year)



    Surgery

    Office

    Incl. in copay

    Facility

    Ded applies, then 20%



    ER

    $250 copay



  • PPO2

    $381/mo

    (member)

    $685/mo

    (plus child(ren))

    $800/mo

    (plus spouse)

    $1,066/mo

    (plus family)


    Dr. office visits

    Primary care

    $30 copay

    Specialist

    $50 copay



    Deductible / co-ins

    $2,500 indiv ded, then 25%

    Out-of-pocket max

    $14,000 indiv / $28,000 family



    Prescriptions

    Deductible

    $300

    Generics

    $15 copay

    Formulary

    $60 copay

    Non-formulary

    Not covered

    Brand specialty

    $150 copay



    Out-of-network services

    $5,000 indiv ded, then 50%

    Out-of-pocket max

    $20,000 indiv / $40,000 family



    Lab tests

    Office

    $0 copay

    Freestanding lab

    $0 copay



    Imaging tests

    25% co-ins



    Mental health

    $50 copay (20 visits / year)



    Surgery

    Office

    Incl. in copay

    Facility

    Ded applies, then 25%



    ER

    $250 copay



  • PPO3

    $285/mo

    (member)

    $513/mo

    (plus child(ren))

    $599/mo

    (plus spouse)

    $798/mo

    (plus family)


    Dr. office visits

    Primary care

    $35 copay

    Specialist

    $55 copay



    Deductible / co-ins

    $3,500 indiv ded, then 30%

    Out-of-pocket max

    $18,000 indiv / $36,000 family



    Prescriptions

    Deductible

    $100

    Generics

    $15 copay

    Formulary

    Not covered

    Non-formulary

    Not covered

    Brand specialty

    Not covered



    Out-of-network services

    $7,500 indiv ded, then 50%

    Out-of-pocket max

    $30,000 indiv / $60,000 family



    Lab tests

    Office

    $0 copay

    Freestanding lab

    $0 copay



    Imaging tests

    30% co-ins



    Mental health

    $55 copay (20 visits / year)



    Surgery

    Office

    Incl. in copay

    Facility

    Ded applies, then 30%



    ER

    $250 copay



  • HD 5,000

    $324/mo

    (member)

    $583/mo

    (plus child(ren))

    $680/mo

    (plus spouse)

    $907/mo

    (plus family)


    Dr. office visits

    Primary care

    ded applies

    Specialist

    ded applies



    Deductible / co-ins

    $5,000 indiv ded, then 0%

    Out-of-pocket max

    $5,950 indiv / $11,900 family



    Prescriptions

    Deductible

    $5,000

    Generics

    30% co-ins

    Formulary

    30% co-ins

    Non-formulary

    30% co-ins

    Brand specialty

    30% co-ins



    Out-of-network services

    $10,000 indiv ded, then 50%

    Out-of-pocket max

    Not applicable Not applicable



    Lab tests

    Office

    Ded applies

    Freestanding lab

    Ded applies



    Imaging tests

    Ded applies



    Mental health

    Ded applies



    Surgery

    Office

    Ded applies

    Facility

    Ded applies



    ER

    Ded applies



  • HD 10,000

    $196/mo

    (member)

    $354/mo

    (plus child(ren))

    $413/mo

    (plus spouse)

    $550/mo

    (plus family)


    Dr. office visits

    Primary care

    ded applies

    Specialist

    ded applies



    Deductible / co-ins

    $10,000 indiv ded, then 0%

    Out-of-pocket max

    Not applicable Not applicable



    Prescriptions

    Deductible

    $10,000

    Generics

    30% co-ins

    Formulary

    30% co-ins

    Non-formulary

    30% co-ins

    Brand specialty

    30% co-ins



    Out-of-network services

    $15,000 indiv ded, then 50%

    Out-of-pocket max

    Not applicable Not applicable



    Lab tests

    Office

    Ded applies

    Freestanding lab

    Ded applies



    Imaging tests

    Ded applies



    Mental health

    Ded applies



    Surgery

    Office

    Ded applies

    Facility

    Ded applies



    ER

    Ded applies



* HSA Compatible

The information on this Website about insurance benefits is a summary of applicable terms and conditions that is provided for general informational purposes only. The terms of any insurance products are governed solely by the applicable Certificate of Coverage. In the event of any inconsistency between information provided on this Website and the provisions of the Certificate of Coverage, the Certificate of Coverage shall govern.

The group insurance plans displayed may not be available in your county or state. Please check our eligibility requirements to confirm what plans are available in your area.