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.
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.

$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 |

$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 |

$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 |

$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 |

$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.