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New York Blue Cross Blue Shield Health Plans

Quick links to BCBS Plans for New York Residents:

Empire Blue Cross Blue Shield

WellChoice, better known by its popular name, Empire Blue Cross and Blue Shield, serves nearly 5 million customers in New York, and New Jersey, making it a leading health care provider in its market. WellChoice offers indemnity coverage and managed care products, including HMO, PPO, and EPO (exclusive provider organization offering no out-of-network benefits) plans. WellChoice also offers dental, pharmacy, and vision care plans, and operates subsidiaries, which include accident and health insurance provider Empire HealthChoice Assurance and Empire HealthChoice HMO. The New York Public Asset Fund owns more than 70% of the company.

Healthy NY provides affordable health coverage to eligible individuals and sole proprietors. With this program, individuals can purchase streamlined benefits packages for essential health services, all within Empire's extensive network of providers and hospitals. Applicants may choose a benefit package with or without a limited prescription drug benefit.

Empire's Direct Payment HMO/POS plan offers you the benefits of both a traditional HMO (Health Maintenance Organization) for in-network services and the additional freedom to obtain out-of-network POS (Point of Service) medical services. You choose your Primary Care Physician (PCP) from within the HMO network, who then provides or coordinates most care.

Empire's Direct Payment Health Maintenance Organization (HMO) plan includes benefits for "in-network" services only. Your chosen Primary Care Physician (PCP) provides basic and preventive care, gives you referrals to specialized care, maintains your medical history, arranges admissions to hospitals and pre-certifies special services - all within the network. However, your in-network restriction is far from limiting:

As a Direct Payment HMO member, you have low out-of-pocket costs, no claim forms, and a full range of benefits including prescription drug coverage.

Empire's Tradition PLUS Hospital plan covers your hospital needs-and the hospital needs of your covered dependents-even when you are far away from home. Your Empire Blue Cross Blue Shield Identification (ID) card is accepted at over 5,700 hospitals and other facilities nationwide, assuring paid-in-full inpatient hospital benefits for covered services.

New York State's Child Health Plus. Protecting the health of your family - especially your children - is one of the most important issues you deal with in life. You shouldn't have to worry about your children's health or their healthcare. That's why we're proud to offer qualified children under the age of 19 their very own health insurance plan.

Excellus Blue Cross Blue Shield

Excellus BlueCross BlueShield, headquartered in Rochester, NY, is part of a $4 billion family of companies that finances and delivers health care services across upstate New York and long-term care insurance nationwide. Collectively, the enterprise provides health insurance to more than 2 million people and employs more than 6,000 New Yorkers. The company's financial strength is reflected in its "A-minus" financial ratings from both A.M. Best and Standard & Poors.

Previously, the company's BlueCross BlueShield operations were known as: BlueCross BlueShield of Central New York, BlueCross BlueShield of the Rochester Area, and BlueCross BlueShield of Utica-Watertown. Today, Excellus BlueCross BlueShield maintains a strong local presence through four regional headquarters and additional field offices:

  • Central New York Region, based in Syracuse with an additional office in Watertown;
  • Central New York Southern Tier Region, based in Elmira with an additional office in Binghamton;
  • Rochester Region, based in Rochester; and
  • Utica Region, based in Utica with additional offices in Oneonta and Plattsburgh.

Respective service areas are as follows:

  • Central New York Region - St. Lawrence, Jefferson, Lewis, Oswego, Onondaga, Cayuga, Tompkins, and Cortland counties.
  • Central New York Southern Tier Region - Chenango, Broome, Tioga, Chemug, Schuyler, and Steuben counties.
  • Rochester Region - Monroe, Wayne, Livingston, Ontario, Yates, and Seneca counties.
  • Utica Region - Franklin, Clinton, Essex, Hamilton, Herkimer, Fulton, Oneida, Madison, Montgomery, Otsego, and Delaware counties.

Blue Shield of Northeastern New York

BlueShield of Northeastern New York, a pioneer and a leader in providing the Capital region with high-quality, innovative healthcare coverage for more than 50 years. With more than 170,000 members, we are one of the area's most experienced and stable health coverage companies.

Our company offers a full spectrum of healthcare coverage, from a wide variety of traditional indemnity insurance plans, to managed care plans, to preferred provider organization plans that combine the most popular features of both traditional and managed care health coverage into one plan.

Blue Shield of Northeastern New York Operates a 13 county service area including the counties of; Albany, Clinton, Columbia, Essex, Fulton, Greene, Montgomery, Rensselaer, Saratoga, Schoharie, Schenectady, Warren, and Washington, and they employ  approximately 350 people.

BlueShield offers a full range of products including Community Blue and Traditional Blue products as well as a full scope of government programs including Medicare + Choice, Medicare PPO, Medicaid, Child Health Plus, Family Health Plus and Healthy New York. A list of BCBSENY's plans can be found here.


Blue Cross Blue Shield of Western New York - BCBSWNY

BlueCross BlueShield of Western New York, a pioneer and leader in providing the Buffalo-Niagara region with high-quality, innovative healthcare coverage for more than 60 years. With more than 571,000 members, BCBSWNY is the area's largest and most experienced health coverage company.

BCBSWNY is Headquarters and operations are based in Buffalo, New York and they employ approx. 1100 people. They Service the 8 counties of Western New York, which includes Allegany, Cattaruagus, Chautauqua, Erie, Genesee, Niagara, Orleans and Wyoming counties.

Today, BlueCross BlueShield of Western New York has more plans than ever to choose from. HMO, POS, PPO, Consumer Driven and Traditional.   These plans offer a wide selection of products, broad networks of quality providers, and an attractive combination of member benefits.  Family Health Plus is one popular plan for individuals under age 65.

Over 95% of the providers in our service area participate in a BlueCross Blue Shield plan.

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