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Direct Pay HMO & POS Plans
Direct Pay HMO & POS Plans
An Important Message for those Enrolling in a Plan Today - Read Now

We offer direct pay plans for individuals and families without employer based coverage and who are not eligible for Medicare and Medicaid. Our HMO & POS plans provide comprehensive, quality health coverage on things like:

  • Inpatient and outpatient hospital services
  • Doctor services
  • Emergency Care
  • Well Child Care
  • Prescription medications

To qualify you must be:

  • A New York State resident living in our coverage area
  • Ineligible for group insurance coverage
  • Between the ages of 18 and 65 and ineligible for Medicaid
  • Over the age of 65 and ineligible for Medicare

Follow the links below to view the Summary of Benefits and Coverage (SBC):

Direct Pay Comprehensive

With our HMO plan you’ll have access to our local provider network of doctors and all local hospitals.

Direct Pay HMO Plan (for Rochester region only)

Direct Pay HMO Plan (for CNY & Utica region only)

Our Point of Service plan offers the flexibility of seeing providers outside of our network.

Direct Pay POS Plan (for Rochester region only)

Direct Pay POS Plan (for CNY & Utica region only)

Follow this link to view the SBC Glossary.

Apply Today
Call: 1-800-847-1200 (in Rochester) or 1-800-633-6066 (other regions).
Our friendly staff can help you get coverage.