Yes, New York State (NYS) retirees pay for health insurance. The amount you will pay depends on the medical plan and coverage option you select. NYS retirees can choose from a large network of private insurance carriers, managed care health plans, and the New York State Health Insurance Program (NYSHIP).
The NYSHIP plans offer the following coverage options:
- Premium Plan A: This plan offers comprehensive coverage for hospital and physician services, mental health and substance abuse services, preventive health care, prescription drugs, and more. Premiums vary by plan and coverage option.
- Basic Plan B: This plan offers more limited coverage than Premium Plan A, including hospital and physician services and prescription drugs. Premiums are usually lower, but some health care costs will not be covered.
- Medicare Advantage Plan: This plan is for retirees who qualify for Medicare benefits. It provides additional coverage for health care services not covered by Original Medicare. Premiums vary by plan and coverage option.
You can find more information about NYSHIP plans and premiums on the NYS Department of Civil Service website (https://www.cs.ny.gov/employee-benefits/health/overview.cfm). You can also contact your local health insurance carrier or contact NYSHIP at 1-800-833-4344.