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Health Benefits
EPO, POS, and PPOs


Plan Definitions
Learn the differences between Exclusive Provider Organization (EPO), Point-of-Service (POS), Participating Provider Organization (PPO), and Indemnity plans.
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Aetna QPOS
The Quality Point-of-Service Program (QPOS) offers all of the comprehensive benefits of the Aetna HMO plan with the added freedom to "self-refer" - choose to use out-of-network providers or visit network doctors without a Primary Care Physician (PCP) referral.
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DC 37 Med-Team Program
Available only to DC 37 members, retirees, and their families, DC 37 Med Team Program offers a full range of coverage and more choices. Depending on the health care service you need, you are free to get care from medical providers participating in the GHI network or choose non-participating providers and receive out-of-network benefits.
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Empire EPO
Empire's EPO, an Exclusive Provider Organization, provides all active and non-Medicare retirees nationally a health plan choice where they live, work, study (dependent students) or travel. Empire's local network provides access to over 63,000 provider locations and 226 hospitals.
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GHI-CBP/Empire BlueCross BlueShield
GHI has been providing City of New York employees access to quality affordable health care for more than 35 years. With the GHI-CBP, you have the freedom to choose any physician worldwide. You can select a GHI participating provider and not pay any deductibles or coinsurance, or go out-of-network and still receive coverage, subject to deductibles and coinsurance.
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HIP Prime POS
The HIP Prime POS Plan offers all of the high quality, broad benefits and wide network access of HIP Prime HMO, plus, the added freedom to choose any physician and any hospital in any location. There is no charge if you are referred by your primary care physician (PCP) and use doctors, hospitals and services in the HIP Network. Non-referred and out-of-network services are subject to deductibles and co-insurance.
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Spotlight

Employee Assistance Programs (EAPs)
EAPs are staffed by professional counselors who can help employees and their eligible dependents handle problems in areas such as stress, alcoholism, drug abuse, mental health, and family difficulties.

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Quick Links

 PICA Program
 NYC Employee Blood Program
 Collective Bargaining Agreements
 OPA Web site
 NYC.gov