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		Healthfirst Silver Leaf Premier Plus, NS, INN, Dep29, Family Dental, Family Vision, No Deductible PCP Visits, Free Telemedicine, Fitness & Wellness Rewards

Price Per Month	$709.79	Metal	Silver	Overall Quality Rating	Quality Details
Maximum Out of Pocket	$8,700 / $8700 per person \| $17400 per group	Out-of-Network Coverage	No	Allows Health Savings Account	No
Plan Id	91237NY0020079	Persons Covered	individual	Deductible	$3,370 / $3370 per person \| $6740 per group
Specialist(s) Referral Required No

Design	Healthfirst Leaf Plans are health insurance plans that offer complete coverage, including: telemedicine (24/7 communication with a participating provider), preventive and annual check-ups, prescription drugs, and more. All Healthfirst Leaf Plans include access to a large network of thousands of providers. No referrals required for: specialists, obstetric and gynecologic services, chiropractic services, outpatient mental health and substance abuse services, retail health services, pediatric dental care, pediatric vision care (except from an ophthalmologist).

Design

Healthfirst Leaf Plans are health insurance plans that offer complete coverage, including: telemedicine (24/7 communication with a participating provider), preventive and annual check-ups, prescription drugs, and more. All Healthfirst Leaf Plans include access to a large network of thousands of providers. No referrals required for: specialists, obstetric and gynecologic services, chiropractic services, outpatient mental health and substance abuse services, retail health services, pediatric dental care, pediatric vision care (except from an ophthalmologist).

Click on the benefit categories below to learn more about this plan's covered benefits and services. To see a full list of the benefits and services, visit the "Summary of Benefits" link under "Plan Documents" at the bottom of this page.

Benefit	In Network Cost Share	Out of Network Cost Share	Subject to Deductible	Description
Basic Dental Care - Child	$30.00	100.00%	Routine Dental Care (exams, x-rays, simple extractions and fillings)
Major Dental Care - Child	$30.00 Copay after deductible	100.00%	Endodontics, Periodontics, Prosthodontics and Oral Surgery
Dental Check-Up for Children	$30.00	100.00%	Preventive Dental Care (cleanings, fluoride & sealants)
Orthodontia - Child	$30.00 Copay after deductible	100.00%	Orthodontics

Benefit	In Network Cost Share	Out of Network Cost Share	Subject to Deductible	Description
Second Opinion	$55.00 Copay after deductible	100.00%	A second medical opinion by an appropriate specialist or surgeon.
Telemedicine	$0.00	100.00%
Transplant	$1600.00 Copay after deductible	100.00%	Transplants determined to be nonexperimental and non-investigational. Covered transplants include but are not limited to: kidney, corneal, liver, heart, and heart/lung transplants; and bone marrow transplants for aplastic anemia, leukemia, severe combined immunodeficiency disease and Wiskott-Aldrich Syndrome. NOTE: Cost-share shown is the combined amount, including both the surgical fee and the Inpatient cost-share.
Chemotherapy	$30.00 Copay after deductible	100.00%	Chemotherapy in an outpatient facility or in a Health Care Professional's office. Orally-administered anti-cancer drugs are covered under the prescription drug benefit.
Diabetic Equipment and Supplies	$30.00	100.00%
Family Planning Services	No Charge	100.00%	Counseling on the use of contraceptives, sterilization procedures, and related topics.

Benefit	In Network Cost Share	Out of Network Cost Share	Subject to Deductible	Description
Skilled Nursing Facility	$1500.00 Copay per Stay after deductible	100.00%	A facility that performs skilled nursing care and rehabilitation services provided on a continuous, daily basis.
Inpatient Hospital Services (e.g., Hospital Stay)	$1500.00 Copay per Stay after deductible	100.00%	Health care you get when you're admitted as a patient to a health care facility, like a hospital or skilled nursing facility.
Inpatient Physician and Surgical Services	$100.00 Copay after deductible	100.00%	Surgical services performed by a physician or surgeon in an inpatient facility.
Delivery and All Inpatient Services for Maternity Care	$1600.00 Copay after deductible	100.00%	Delivery and inpatient maternity care in a hospital for the mother, and inpatient newborn care in a hospital for the infant, for at least 48 hours following a normal delivery and at least 96 hours following a caesarean section delivery.

Benefit	In Network Cost Share	Out of Network Cost Share	Subject to Deductible	Description
Specialist Visit	$55.00 Copay after deductible	100.00%	Visits to a physician to diagnose, manage, prevent or treat certain types of symptoms and conditions related to a specific disease or condition.
Home Health Care Services	$30.00 Copay after deductible	100.00%	Each visit of up to four hours by a home health aide is one visit.
Other Practitioner Office Visit (Nurse, Physician Assistant)	$30.00	100.00%
Outpatient Facility Fee (e.g., Ambulatory Surgery Center)	$100.00 Copay after deductible	100.00%
Outpatient Surgery Physician/Surgical Services	$100.00 Copay after deductible	100.00%	Surgical services performed by a physician or surgeon in an outpatient facility.
Primary Care Visit to Treat an Injury or Illness	$30.00	100.00%	Visit to a clinician for health services that cover a range of prevention, wellness, and treatment for common illnesses.
Retail Health Clinics	$30.00	100.00%

Benefit	In Network Cost Share	Out of Network Cost Share	Subject to Deductible	Description
Specialty Drugs	Not Applicable	Not Applicable	Specialty drugs are used to treat complex or rare conditions, such as multiple sclerosis, rheumatoid arthritis, hepatitis C, and hemophilia. The drugs are often self-injected or administered in a physician's office or through home health services.
Generic Drugs	$10.00	100.00%	A prescription drug that has the same active-ingredient formula as a brand-name drug. Generic drugs usually cost less than brand-name drugs.
Non-Preferred Brand Drugs	$100.00	100.00%	Brand drugs are sold by a drug company under a specific name or trademark and is protected by a patent. Non-preferred drugs may or may not be included on a plan's covered drug list or formulary and have higher cost-share.
Preferred Brand Drugs	$55.00	100.00%	Brand drugs are sold by a drug company under a specific name or trademark and is protected by a patent. Preferred drugs are included on a plan's covered drug list or formulary.

Benefit	In Network Cost Share	Out of Network Cost Share	Subject to Deductible	Description
Substance Abuse Disorder Inpatient Services	$1500.00 Copay per Stay after deductible	100.00%	Diagnosis and treatment of alcoholism and/or substance use and/or dependency in an inpatient setting. This includes coverage for detoxification and/or rehabilitation services as a consequence of chemical use and/or substance use.
Substance Abuse Disorder Outpatient Services	$30.00	100.00%	Also includes 20 visits per year for family counseling.
Mental/Behavioral Health Inpatient Services	$1500.00 Copay per Stay after deductible	100.00%	Diagnosis and treatment of mental, nervous and emotional disorders performed in an inpatient setting.
Mental/Behavioral Health Outpatient Services	$30.00	100.00%	Diagnosis and treatment of mental, nervous and emotional disorders performed in an outpatient setting.
Applied Behavior Analysis Based Therapies	$30.00	100.00%	Design, implementation, and evaluation of environmental modifications, using behavioral stimuli and consequences, to produce socially significant improvement in human behavior, including the use of direct observation, measurement, and functional analysis

Benefit	In Network Cost Share	Out of Network Cost Share	Subject to Deductible	Description
Urgent Care Centers or Facilities	$70.00 Copay after deductible	100.00%	A licensed facility (except Hospitals) that provides care for an illness, injury or condition serious enough to require care right away, but not so severe as to require emergency room care.
Emergency Room Services	$350.00 Copay after deductible	$350.00 Copay after deductible	Healthcare services you get in an emergency room.
Emergency Transportation/Ambulance	$150.00 Copay after deductible	$150.00 Copay after deductible	Ambulance services for an emergency medical condition.

Benefit	In Network Cost Share	Out of Network Cost Share	Subject to Deductible	Description
Well Baby Visits and Care	No Charge	100.00%	Routine doctor visits for comprehensive preventive health services that occur when a baby is young.
Prenatal and Postnatal Care	No Charge	100.00%	Healthcare for expectant mothers before and after the birth of their child.
Preventive Care/Screening/Immunization	No Charge	100.00%	Routine health care that includes screenings, check-ups, and patient counseling to prevent illnesses, disease, or other health problems.
Gym Membership Reimbursement	$0.00	100.00%	Up to $400 during coverage year; up to an additional $200 during coverage year for Spouse

Benefit	In Network Cost Share	Out of Network Cost Share	Subject to Deductible	Description
X-rays and Diagnostic Imaging	$55.00 Copay after deductible	100.00%	X-rays and other technologies that doctors use in the diagnosis of a medical condition
Imaging (CT/PET Scans, MRIs)	$55.00 Copay after deductible	100.00%	Imaging technologies such as CT and PET Scans and MRIs that doctors use in the treatment of a medical condition
Laboratory Outpatient and Professional Services	$55.00	100.00%	Professional fees and services associated with laboratory work for diagnostic and treatment purposes.

Benefit	In Network Cost Share	Out of Network Cost Share	Subject to Deductible	Description
Basic Dental Care - Adult	$30.00	100.00%	Cleanings and Exams
Routine Dental Services (Adult)	$30.00	100.00%	Cleanings and Exams
Major Dental Care - Adult	$30.00 Copay after deductible	100.00%	Services, including procedures for treatment of diseased pulp chambers and pulp canals, where Hospitalization is not required, removable complete or partial dentures, including six (6) months follow-up care; and additional services include insertion of identification slips, repairs, relines and rebases and treatment of cleft palate.
Orthodontia - Adult	$30.00 Copay after deductible	100.00%	Orthodontics

Benefit	In Network Cost Share	Out of Network Cost Share	Subject to Deductible	Description
Contact Lenses	30.00% Coinsurance after deductible	100.00%	Standard prescription contact lenses once in any twelve (12) month period. An allowance applies to covered lenses and frames, and contact lenses.
Routine Eye Exam (Adult)	$30.00 Copay after deductible	100.00%
Eye Glasses for Adults	30.00% Coinsurance after deductible	100.00%	Standard prescription lenses once in any twelve (12) month period. Prescription lenses may be constructed of either glass or plastic. Standard frames adequate to hold lenses once in any twelve (12) month period are also covered. An allowance applies to covered lenses and frames, and contact lenses.

Benefit	In Network Cost Share	Out of Network Cost Share	Subject to Deductible	Description
Outpatient Rehabilitation Services	$55.00 Copay after deductible	100.00%	60 visits per condition per year combined. Physical and speech therapy are only covered following a hospital stay or surgery.
Prosthetic Devices	30.00% Coinsurance after deductible	100.00%	1 external prosthetic device per limb per lifetime with coverage for repairs and replacements (limit does not apply to internal devices)
Inpatient Rehabilitation Services	$1500.00 Copay after deductible	100.00%	Health care services that help a person keep, get back, or improve skills and functioning for daily living that have been lost or impaired because a person was sick, hurt, or disabled. These services consist of physical therapy, occupational therapy, and speech therapy in an inpatient setting.
Chiropractic Care	$55.00 Copay after deductible	100.00%	Care performed by a Doctor of Chiropractic (Chiropractor).
Durable Medical Equipment	30.00% Coinsurance after deductible	100.00%	Equipment and supplies ordered by a health care provider for everyday or extended use. Coverage for DME may include: oxygen equipment, wheelchairs, crutches or blood testing strips for diabetics.

Benefit	In Network Cost Share	Out of Network Cost Share	Subject to Deductible	Description
Routine Eye Exam for Children	$30.00 Copay after deductible	100.00%	Emergency, preventive and routine vision care for children.
Eye Glasses for Children	30.00% Coinsurance after deductible	100.00%	One prescribed lenses & frames in a 12-month period.
Contact Lenses for Children	30.00% Coinsurance after deductible	100.00%	An allowance applies to covered lenses and frames, and contact lenses

		Healthfirst Silver Leaf Premier Plus, NS, INN, Dep29, Family Dental, Family Vision, No Deductible PCP Visits, Free Telemedicine, Fitness & Wellness Rewards

Price Per Month	$709.79	Metal	Silver	Overall Quality Rating
Quality Measure	Member Experience	Rating		Description	Based on member satisfaction surveys about their health care, doctors, and ease of getting appointments and services.
Quality Measure	Medical Care	Rating		Description	Based on the plan's network providers improving or maintaining the health of its members with regular screenings, tests, vaccines, and monitoring of some conditions.
Quality Measure	Plan Administration	Rating		Description	Based on certain measures of how well a plan is run, including customer service, access to needed information, and network providers ordering appropriate testing and treatment.
Maximum Out of Pocket	$8,700 / $8700 per person \| $17400 per group	Out-of-Network Coverage	No	Allows Health Savings Account	No
Plan Id	91237NY0020079	Persons Covered	individual	Deductible	$3,370 / $3370 per person \| $6740 per group
Specialist(s) Referral Required	No

Design	Healthfirst Leaf Plans are health insurance plans that offer complete coverage, including: telemedicine (24/7 communication with a participating provider), preventive and annual check-ups, prescription drugs, and more. All Healthfirst Leaf Plans include access to a large network of thousands of providers. No referrals required for: specialists, obstetric and gynecologic services, chiropractic services, outpatient mental health and substance abuse services, retail health services, pediatric dental care, pediatric vision care (except from an ophthalmologist).

Design

Pediatric Dental Care

Benefit	In Network Cost Share	Out of Network Cost Share	Subject to Deductible
Basic Dental Care - Child	$30.00	100.00%	Routine Dental Care (exams, x-rays, simple extractions and fillings)
Major Dental Care - Child	$30.00 Copay after deductible	100.00%	Endodontics, Periodontics, Prosthodontics and Oral Surgery
Dental Check-Up for Children	$30.00	100.00%	Preventive Dental Care (cleanings, fluoride & sealants)
Orthodontia - Child	$30.00 Copay after deductible	100.00%	Orthodontics

Other Services

Benefit	In Network Cost Share	Out of Network Cost Share	Subject to Deductible
Second Opinion	$55.00 Copay after deductible	100.00%	A second medical opinion by an appropriate specialist or surgeon.
Telemedicine	$0.00	100.00%
Transplant	$1600.00 Copay after deductible	100.00%	Transplants determined to be nonexperimental and non-investigational. Covered transplants include but are not limited to: kidney, corneal, liver, heart, and heart/lung transplants; and bone marrow transplants for aplastic anemia, leukemia, severe combined immunodeficiency disease and Wiskott-Aldrich Syndrome. NOTE: Cost-share shown is the combined amount, including both the surgical fee and the Inpatient cost-share.
Chemotherapy	$30.00 Copay after deductible	100.00%	Chemotherapy in an outpatient facility or in a Health Care Professional's office. Orally-administered anti-cancer drugs are covered under the prescription drug benefit.
Diabetic Equipment and Supplies	$30.00	100.00%
Family Planning Services	No Charge	100.00%	Counseling on the use of contraceptives, sterilization procedures, and related topics.

Hospitalization

Benefit	In Network Cost Share	Out of Network Cost Share	Subject to Deductible
Skilled Nursing Facility	$1500.00 Copay per Stay after deductible	100.00%	A facility that performs skilled nursing care and rehabilitation services provided on a continuous, daily basis.
Inpatient Hospital Services (e.g., Hospital Stay)	$1500.00 Copay per Stay after deductible	100.00%	Health care you get when you're admitted as a patient to a health care facility, like a hospital or skilled nursing facility.
Inpatient Physician and Surgical Services	$100.00 Copay after deductible	100.00%	Surgical services performed by a physician or surgeon in an inpatient facility.
Delivery and All Inpatient Services for Maternity Care	$1600.00 Copay after deductible	100.00%	Delivery and inpatient maternity care in a hospital for the mother, and inpatient newborn care in a hospital for the infant, for at least 48 hours following a normal delivery and at least 96 hours following a caesarean section delivery.

Outpatient Services

Benefit	In Network Cost Share	Out of Network Cost Share	Subject to Deductible
Specialist Visit	$55.00 Copay after deductible	100.00%	Visits to a physician to diagnose, manage, prevent or treat certain types of symptoms and conditions related to a specific disease or condition.
Home Health Care Services	$30.00 Copay after deductible	100.00%	Each visit of up to four hours by a home health aide is one visit.
Other Practitioner Office Visit (Nurse, Physician Assistant)	$30.00	100.00%
Outpatient Facility Fee (e.g., Ambulatory Surgery Center)	$100.00 Copay after deductible	100.00%
Outpatient Surgery Physician/Surgical Services	$100.00 Copay after deductible	100.00%	Surgical services performed by a physician or surgeon in an outpatient facility.
Primary Care Visit to Treat an Injury or Illness	$30.00	100.00%	Visit to a clinician for health services that cover a range of prevention, wellness, and treatment for common illnesses.
Retail Health Clinics	$30.00	100.00%

Prescription Drugs

Benefit	In Network Cost Share	Out of Network Cost Share	Subject to Deductible
Specialty Drugs	Not Applicable	Not Applicable	Specialty drugs are used to treat complex or rare conditions, such as multiple sclerosis, rheumatoid arthritis, hepatitis C, and hemophilia. The drugs are often self-injected or administered in a physician's office or through home health services.
Generic Drugs	$10.00	100.00%	A prescription drug that has the same active-ingredient formula as a brand-name drug. Generic drugs usually cost less than brand-name drugs.
Non-Preferred Brand Drugs	$100.00	100.00%	Brand drugs are sold by a drug company under a specific name or trademark and is protected by a patent. Non-preferred drugs may or may not be included on a plan's covered drug list or formulary and have higher cost-share.
Preferred Brand Drugs	$55.00	100.00%	Brand drugs are sold by a drug company under a specific name or trademark and is protected by a patent. Preferred drugs are included on a plan's covered drug list or formulary.

Mental Health and Substance Abuse Services

Benefit	In Network Cost Share	Out of Network Cost Share	Subject to Deductible
Substance Abuse Disorder Inpatient Services	$1500.00 Copay per Stay after deductible	100.00%	Diagnosis and treatment of alcoholism and/or substance use and/or dependency in an inpatient setting. This includes coverage for detoxification and/or rehabilitation services as a consequence of chemical use and/or substance use.
Substance Abuse Disorder Outpatient Services	$30.00	100.00%	Also includes 20 visits per year for family counseling.
Mental/Behavioral Health Inpatient Services	$1500.00 Copay per Stay after deductible	100.00%	Diagnosis and treatment of mental, nervous and emotional disorders performed in an inpatient setting.
Mental/Behavioral Health Outpatient Services	$30.00	100.00%	Diagnosis and treatment of mental, nervous and emotional disorders performed in an outpatient setting.
Applied Behavior Analysis Based Therapies	$30.00	100.00%	Design, implementation, and evaluation of environmental modifications, using behavioral stimuli and consequences, to produce socially significant improvement in human behavior, including the use of direct observation, measurement, and functional analysis

Emergency Services

Benefit	In Network Cost Share	Out of Network Cost Share	Subject to Deductible
Urgent Care Centers or Facilities	$70.00 Copay after deductible	100.00%	A licensed facility (except Hospitals) that provides care for an illness, injury or condition serious enough to require care right away, but not so severe as to require emergency room care.
Emergency Room Services	$350.00 Copay after deductible	$350.00 Copay after deductible	Healthcare services you get in an emergency room.
Emergency Transportation/Ambulance	$150.00 Copay after deductible	$150.00 Copay after deductible	Ambulance services for an emergency medical condition.

Preventive and Wellness Services and Chronic Disease Management

Benefit	In Network Cost Share	Out of Network Cost Share	Subject to Deductible
Well Baby Visits and Care	No Charge	100.00%	Routine doctor visits for comprehensive preventive health services that occur when a baby is young.
Prenatal and Postnatal Care	No Charge	100.00%	Healthcare for expectant mothers before and after the birth of their child.
Preventive Care/Screening/Immunization	No Charge	100.00%	Routine health care that includes screenings, check-ups, and patient counseling to prevent illnesses, disease, or other health problems.
Gym Membership Reimbursement	$0.00	100.00%	Up to $400 during coverage year; up to an additional $200 during coverage year for Spouse

Laboratory Outpatient and Professional Services

Benefit	In Network Cost Share	Out of Network Cost Share	Subject to Deductible
X-rays and Diagnostic Imaging	$55.00 Copay after deductible	100.00%	X-rays and other technologies that doctors use in the diagnosis of a medical condition
Imaging (CT/PET Scans, MRIs)	$55.00 Copay after deductible	100.00%	Imaging technologies such as CT and PET Scans and MRIs that doctors use in the treatment of a medical condition
Laboratory Outpatient and Professional Services	$55.00	100.00%	Professional fees and services associated with laboratory work for diagnostic and treatment purposes.

Adult Dental Care

Benefit	In Network Cost Share	Out of Network Cost Share	Subject to Deductible
Basic Dental Care - Adult	$30.00	100.00%	Cleanings and Exams
Routine Dental Services (Adult)	$30.00	100.00%	Cleanings and Exams
Major Dental Care - Adult	$30.00 Copay after deductible	100.00%	Services, including procedures for treatment of diseased pulp chambers and pulp canals, where Hospitalization is not required, removable complete or partial dentures, including six (6) months follow-up care; and additional services include insertion of identification slips, repairs, relines and rebases and treatment of cleft palate.
Orthodontia - Adult	$30.00 Copay after deductible	100.00%	Orthodontics

Adult Vision Services

Benefit	In Network Cost Share	Out of Network Cost Share	Subject to Deductible
Contact Lenses	30.00% Coinsurance after deductible	100.00%	Standard prescription contact lenses once in any twelve (12) month period. An allowance applies to covered lenses and frames, and contact lenses.
Routine Eye Exam (Adult)	$30.00 Copay after deductible	100.00%
Eye Glasses for Adults	30.00% Coinsurance after deductible	100.00%	Standard prescription lenses once in any twelve (12) month period. Prescription lenses may be constructed of either glass or plastic. Standard frames adequate to hold lenses once in any twelve (12) month period are also covered. An allowance applies to covered lenses and frames, and contact lenses.

Rehabilitative and Habilitative Services and Devices

Benefit	In Network Cost Share	Out of Network Cost Share	Subject to Deductible
Outpatient Rehabilitation Services	$55.00 Copay after deductible	100.00%	60 visits per condition per year combined. Physical and speech therapy are only covered following a hospital stay or surgery.
Prosthetic Devices	30.00% Coinsurance after deductible	100.00%	1 external prosthetic device per limb per lifetime with coverage for repairs and replacements (limit does not apply to internal devices)
Inpatient Rehabilitation Services	$1500.00 Copay after deductible	100.00%	Health care services that help a person keep, get back, or improve skills and functioning for daily living that have been lost or impaired because a person was sick, hurt, or disabled. These services consist of physical therapy, occupational therapy, and speech therapy in an inpatient setting.
Chiropractic Care	$55.00 Copay after deductible	100.00%	Care performed by a Doctor of Chiropractic (Chiropractor).
Durable Medical Equipment	30.00% Coinsurance after deductible	100.00%	Equipment and supplies ordered by a health care provider for everyday or extended use. Coverage for DME may include: oxygen equipment, wheelchairs, crutches or blood testing strips for diabetics.

Pediatric Vision

Benefit	In Network Cost Share	Out of Network Cost Share	Subject to Deductible
Routine Eye Exam for Children	$30.00 Copay after deductible	100.00%	Emergency, preventive and routine vision care for children.
Eye Glasses for Children	30.00% Coinsurance after deductible	100.00%	One prescribed lenses & frames in a 12-month period.
Contact Lenses for Children	30.00% Coinsurance after deductible	100.00%	An allowance applies to covered lenses and frames, and contact lenses

Plan Documents

Customer Service	www.healthfirst.org
Summary of Benefits and Coverage	http://healthfirst.org/healthfirst-summary-of-benefits/
Prescription Drug List	https://healthfirst.org/formulary
Provider Network	https://hfdocfinder.org
Plan Brochure	https://healthfirst.org/leaf-plans
Payment Information	https://www.myhfny.org

Plan Details