EmblemHealth is an American health insurance provider that offers coverage to 3.4 million New Yorkers. Find out if EmblemHealth is worth the cost today in our review.
What is EmblemHealth?
EmblemHealth is a health insurance provider that provides health care coverage through two subsidiary companies, including Group Health Incorporation (GHI) and HIP Health Plan of New York (HIP).
The company provides a variety of PPO, EPO, and HMO plans, as well as coverage for prescription drugs, dental services, and vision care.
Customers can choose from quality doctors across the tri-state area, or from physicians and hospitals across all 50 states.
EmblemHealth also offers small group plans that promise to give members the personalized care and comprehensive coverage they need.
EmblemHealth provides coverage to 3.4 million New Yorkers, making it the largest health insurance provider in the state. The company’s health care plans provide coverage across America, but are exclusively available to New York residents.
Types of EmblemHealth Plans
EmblemHealth makes it easy to request a quote online. You enter your basic personal information, then receive a quote based on that information. Health care plans are separated into three groups, including:
- Individuals & Families
- Medicaid, Enhanced Care Plus (HARP), and Child Health Plus
Prices will vary based on your personal information. You can request a quote online through the EmblemHealth.com website.
Individual and family plans are self-explanatory: you pay a fee per month and receive health care coverage for yourself or your family.
Medicare plans, on the other hand, are health insurance plans that supplement you existing Medicare coverage. Medicare provides basic health care services to Americans over the age of 65 (or Americans under the age of 65 with certain disabilities).
Standard Medicare covers parts of your hospital coverage (part A) and preventive medical coverage (part B). Today, many Americans are choosing to supplement their plans with Medicare Part D, which provides prescription drug coverage. EmblemHealth offers supplement plans that add coverage onto your Medicare.
Meanwhile, the Medicaid, HARP, and Child Health Plus offer a range of health services to families. The Medicaid and Enhanced Care Plus (HARP) plans are available for families, children, and individuals. Child Health Plus, on the other hand, is designed for families who can’t afford health insurance, but aren’t eligible for Medicaid.
What Do Customers Have to Say About EmblemHealth?
All health insurance providers make the same basic promises: they all claim to provide the best coverage at the best possible price from the best doctors and hospitals in America.
So what do real customers say about EmblemHealth?
EmblemHealth currently has very poor reviews on Yelp.com, where 63 reviewers have given the company an average rating of 1 star out of 5.
EmblemHealth currently has a rating of A+ from the Better Business Bureau.
Meanwhile, on Insure.com, EmblemHealth has a rating of 90.5 overall. This rating is purportedly based on 128 reviews, although the review system isn’t very transparent.
Yelp is currently the best source of reviews on EmblemHealth. Here are some of the things reviewers had to say about the company:
- Bad customer service, including customer service agents who hang up on you
- Health insurance plan was automatically canceled with no warning (one customer claims this happened 3 times, which led to a nasty shock at the doctor’s office)
- Problems with getting claims paid due to “nasty” customer service agents
- “You should only choose this insurance if you know you are healthy and will never need to see a doctor.”
Overall, EmblemHealth has some of the worst reviews we’ve seen online for a health care provider. The vast majority of customers give the company 1 star out of 5.
That being said, there are only 63 reviews posted thus far, and it’s possible that an EmblemHealth competitor may have led a negative marketing campaign against EmblemHealth.
However, judging by the responses to these reviews online, it seems many people have had a similarly awful experience with EmblemHealth (including their subsidiary companies like Advantage Care Physicians).
EmblemHealth was created when two companies – Group Health Incorporated and Health Insurance Plan of Greater New York – merged. GHI was the first provider in America to offer dental coverage, and the first insurer to cover preventative medicine.
Today, EmblemHealth serves approximately 3.4 million New Yorkers, which makes it the largest health insurer in the state.
The company’s corporate headquarters are based at the following address:
55 Water Street
New York, NY 10041
You can contact the company’s member services at (800) 624-2414. Or, you can contact their corporate office at (646) 447-5000.
Should You Buy an EmblemHealth Plan?
EmblemHealth claims to be New York’s largest health care provider. The company currently serves 3.4 million New Yorkers. EmblemHealth was formed when two New York providers merged together. Today, the company offers a range of individual, family, Medicare, and Medicaid supplement plans you can use to access basic medical services, as well as dental care, vision care, and preventative medical care.
EmblemHealth is very poorly-rated on Yelp, where it has an average rating of 1 star out of 5. It appears most customers have had an extremely negative experience with EmblemHealth, including great difficulty with the company’s customer service.
Just like with all health care insurance providers, it’s a good idea to request a quote from EmblemHealth to see how they compare with other providers. By requesting quotes from multiple providers, you can make an informed decision about how to protect your health.