Ghi cbp carveout

Family Life. What Is an Insurance Carve-Out? By: Suzanne Berman, MD, FAAP & Angelo Peter Giardino, MD, PhD, FAAP. Sometimes insurance plans subcontract a set of …

Ghi cbp carveout. GHI CBP BENEFITS 5 Care In-network Out-of-network Primary care doctor office visit $15 Annual Deductible: $200 Individual/ $500 Family. You pay the difference between the Doctor’s fee and GHI’s reimbursement. Specialist office visit $30 Diagnostic Lab / X-ray $20 High-tech radiology $50 Routine physical exam $0 Outpatient physical therapy $20

The GHI Comprehensive Features Plan (CBP) gives her the freedom to choose in-network or out-of-network doctors. To can see any lan doctor without a referral. Includes most cases, while you see a mesh doctor, your cost will just live a …

For in network providers $4,550 Individual / $9,100 Family. The out-of-pocket limit is the most you could pay in a year for covered services. If you have other family members in this plan, they have to meet their own out-of-pocket limits until the overall family out-of-pocket limit has been met. What is not included in the.- GHI HMO - HIP Prime HMO (Basic Plan is Free) - Vytra Health Plan - MetroPlus Health Plan - MetroPlus Gold has been available since January 1, 2016 to all NYC ... - GHI-CBP/Empire BlueCross BlueShield (Basic Plan has No employee cost) * If hired before July 1, 2019 you are able to enroll into any of the 11 Health Plans Offered. ...Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services EmblemHealth : PPO Coverage for: Individual/Family Plan Type: OMB Control Numbers 1545-2229, 1210-0147, and 0938-1146 Released on April 6, 2016 252GHI-CBP/EBCBS Services Requiring Pre-Certification: If you are an employee or non-Medicare eligible retiree participating in GHI-CBP/Empire BlueCross BlueShield. As previously communicated, many procedures require pre-certification. Your provider should call NYC Healthline at 1-800-521-9574 for pre-certifications including: In-patient AdmissionsThe top end Hi-Point 995 carbine has an MSRP of $438. Of course, 9 mm isn’t the only popular pistol cartridge out there, and Hi-Point offers versions of this carbine that chamber .380 ACP, 10 mm ...Carve out definition. Carve out is a term which refers to the elimination of coverage of a specific category of benefit services, most commonly medical services which are not included in a standard health insurance contract and are paid for separately, like vision care, dental care, mental health cover or prescription drugs.- GHI-CBP/Empire BlueCross BlueShield (Basic Plan has No employee cost) * If hired before July 1, 2019 you are able to enroll into any of the 11 Health Plans Offered. If y ouGHI-CBP/BCBS FAMILY METROPLUSBASIC INDIVIDUAL with RIDER $2,286.89 $988.42 with RIDER $2,505.41 INDIVIDUAL BASIC $944.37 FAMILY BASIC $2,316.26 (Standard) INDIVIDUAL with RIDER $1,086.08 FAMILY with RIDER $2,575.14. City of New York Office of Labor Relations Health Benefits Program

GHI CBP 212-501-4444 GHI HMO 877-244-4466 HIP Prime POS 800-447-8255 Vytra 866-409-0999 VIP Premier HMO and Rx Carve Out Medicare 877-344-7364 GHI Senior …I — CBP Hospital Benefits Summary (cont.) GHI — CBP Hospital Benefits Summary Basic 20Hospital 2benefits 21Basic Hospital In-network You pay: 021Basic Hospital Out-of-network You pay: Skilled nursing facility1 Up to 90 days per calendar year. NYC Healthline may substitute benefits if medically appropriate. 2 ½ outpatient visits=1 day in aSummary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services EmblemHealth : PPO Coverage for: Individual/Family Plan Type: OMB Control …It's been quite a month for browsers, with Internet Explorer and Firefox both dropping big new versions, and Chrome and Opera continuing their regular improvements. We tested all t...myEmblemHealth Member Portal Customer Secure Login Page. Login to your myEmblemHealth Member Portal Customer Account.

Coverage Period: Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services EmblemHealth : PPO Coverage for: Individual/Family Plan Type: PPO OMB Control Numbers 1545-2229, 1210-0147, …GHI CBP Carveout کیا ہے؟ GHI جامع فوائد کا منصوبہ (CBP) آپ کو نیٹ ورک کے اندر یا نیٹ ورک سے باہر ڈاکٹروں کو منتخب کرنے کی آزادی دیتا ہے۔ آپ کسی بھی نیٹ ورک ڈاکٹر کو بغیر کسی حوالہ کے دیکھ سکتے ہیں۔ زیادہ تر ...Health and Security Plan’s Inquiry Unit – Call (212) 815-1234. Retiree Toll-Free Number – Call 1-877- 323-7738 from outside the NY-NJ- CT area. As with all decisions regarding eligibility for and the amount of benefits payable under the Plan, the benefit allowances and guidelines are subject to change, at any time and for any reason, by ...DeCarlo Chiropractic29 Third StreetNew City, NY 10956845-708-8885. Learn all about Dr. DeCarlo and DeCarlo Chiropractic. The team at DeCarlo Chiropractic is committed to helping you get back to tip-top health.This chart shows the estimated cost von seeing a doctor outside of unseren network. Customer Service: (212) 501-4444, Monday-Friday (excluding major holidays), 8 am-6 pm. NORMAL OUT-OF-POCKET COSTS FOR GET CARE FROM OUT-OF-NETWORK PROVIDERS. Established Tolerant Office See (typically 15 minutes) — CPT Code 99213.I am not a teacher but I am a municipal employee. I am a member of GHI which you will note costs $0, and I carry my husband which costs $0. We have been completely satisfied after using quite a bit if medical care in the past year (urgent care for stitches and a broken foot (different accidents, lol), routine GYN exam, GP for a mysterious rash, a dermatologist for a follow-up, a back special

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Peptic Ulcer Disease. Rectal Bleeding. Rectal Pain. Stomach Cancer. Stomach Disorders. Swallowing Disorders. Ulcerative Colitis. Dr. Samuel Bae is a gastroenterologist and a member of the Englewood Health Physician Network. EmblemHealth : PPO Coverage for: Individual/Family. July 1, 2023 - June 30, 2024. The Summary of Benefits and Coverage (SBC) document will help you choose a health plan. The SBC shows you how you and the plan would share the cost for covered health care services. NOTE: Information about the cost of this plan (called the premium) will be ... Health and Security Plan’s Inquiry Unit – Call (212) 815-1234. Retiree Toll-Free Number – Call 1-877- 323-7738 from outside the NY-NJ- CT area. As with all decisions regarding eligibility for and the amount of benefits payable under the Plan, the benefit allowances and guidelines are subject to change, at any time and for any reason, by ...As well as 20,000 baby bottles, 3,000 boxes of baby wipes, and 36,000 pairs of extra-small shower shoes. US Customs and Border Protection (CBP) is looking to purchase 20,000 baby b...

GHI-Comprehensive Benefits Plan (GHI-CBP) With GHI-CBP, you have the freedom to choose any provider worldwide. You can select a GHI participat- ing provider and not pay any deductibles or coinsurance, or go out-of-network and still receive coverage, subject to deductibles and coinsurance. GHI's provider network includes all medical specialties. GHI CBP BENEFITS 5 Care In-network Out-of-network Primary care doctor office visit $15 Annual Deductible: $200 Individual/ $500 Family. You pay the difference between the Doctor’s fee and GHI’s reimbursement. Specialist office visit $30 Diagnostic Lab / X-ray $20 High-tech radiology $50 Routine physical exam $0 Outpatient physical therapy $20 certificate of creditable coverage by writing to GHI at: GHI P. o. box 1701 new York, nY 10023-9476 or, you may call us at 1-212-501-4GhI (4444) or, outside of the new York City area at 1-800-624-2414 to request this certificate. You may request this certificate at any time, even if your GHI coverage is still in force.Does anyone know what happened to the carveout rider for ghi-cbp? I transfered into a new title in 2023 and was not offered the carveout rider. I had to take another rider that …If you have a plan in mind, enter it here to begin, otherwise start by selecting a category below to view all available plans. Search for primary care doctors, specialists, hospitals, and other services in any of our networks. You can search our ‘Find Care’ directory by plan, look up doctors by name, specialty, location, and more. 77pdfs.com GHI CBP Enhanced Plan w Rx 07/01/2020 - 06/30/2021 * For more information about limitations and exceptions, see the plan or policy document at www.emblemhealth.com ...What is Carveout rider? Carve-out: A carve-out insurance plan is a supplement to a person’s standard health insurance plan. The carve-out plan is provided by a third-party vendor, and it covers specialized care or products, such as prescription medications and treatment for chronic illnesses. What is GHI CBP Carveout?Coverage Period: Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services EmblemHealth : PPO Coverage for: Individual/Family Plan Type: PPO OMB Control Numbers 1545-2229, 1210-0147, …

About to enroll in health insurance through ESS. Anyone know what the most popular plan is? I wouldn’t need any dependents. Should I go with “GHI-CBP Basic” or “GHI-CBP With Carveout Rider?” I saw people mention to get GHI with a Rider, but I don’t want to click the incorrect option. Any help is appreciated!

I’m in an open enrollment period at work so I have a chance to change my insurance. I’m looking at 2 plans right now; a “GHI-CBP Basic” plan that costs $0 additional dollars and a plan called “GHI-CBP Carveout” that will cost an additional $4.66 per month. I tried to look up what “GHI-CBP Carveout” is but could not find anything.da job sucks. 7,265 2. Mar 11, 2011 #10. GHI CBP plan is high option rider. Its a PPO plan no referrals. You can go in and out of plan with it. $15.32 per month. Aetna and HIP cant compare.Affected Public: Businesses. Abstract: U.S. Customs and Border Protection (CBP) is launching a Global Business Identifier (GBI) Evaluative Proof of Concept (EPoC) which aims to determine a single identifier solution that will uniquely discern main legal entity and ownership; specific business and global locations; and supply chain roles and ...GHI CBP Carveout کیا ہے؟ GHI جامع فوائد کا منصوبہ (CBP) آپ کو نیٹ ورک کے اندر یا نیٹ ورک سے باہر ڈاکٹروں کو منتخب کرنے کی آزادی دیتا ہے۔ آپ کسی بھی نیٹ ورک ڈاکٹر کو بغیر کسی حوالہ کے دیکھ سکتے ہیں۔ زیادہ تر ...For in network providers $4,550 Individual / $9,100 Family. The out-of-pocket limit is the most you could pay in a year for covered services. If you have other family members in this plan, they have to meet their own out-of-pocket limits until the overall family out-of-pocket limit has been met. What is not included in the.2921 total posts. Name: GHI CBP- rider or no rider? It's $7 per paycheck to add the rider. Never had it before, but now that I have DD, I'm wondering if I should add the rider on while open enrollment is still going on. Aside from seeing out of network doctors, what is the real benefit to having the rider exactly?Carve-Out: A carve-out is the partial divestiture of a business unit in which a parent company sells minority interest of a child company to outside investors. A company undertaking a carve-out is ...2921 total posts. Name: GHI CBP- rider or no rider? It's $7 per paycheck to add the rider. Never had it before, but now that I have DD, I'm wondering if I should add the rider on while open enrollment is still going on. Aside from seeing out of network doctors, what is the real benefit to having the rider exactly?Empire HMO - New York GHI-CBP/EBCBS GHI HMO HIP Prime HMO HIP Prime POS MetroPlus Vytra Health Plan OTHER Optional Benefits (Please check one): Yes No WELFARE FUND - COBRA Contact your your union or welfare fund directly for the necessary forms, available options and costs. You will pay the union welfare fund directly for the

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We exist to enhance information sharing and improve the lives and conditions of the public servants of the City of New York. This is a space to discuss and share info about the city budget, working conditions, benefits, and time-sensitive alerts!Since this subreddit is in its infancy, please suggest discussion topics and invite others to join!The myACPNY patient portal that allows you to make appointments, request prescription refills, view lab results, and give any ACPNY medical office immediate access to your medical history and records. To learn more about the AdvantageCare Physicians difference, call the dedicated City of New York Employee Gold Service Line at 646-680-3000 or ...- GHI HMO - HIP Prime HMO (Basic Plan is Free) - Vytra Health Plan - MetroPlus Health Plan - MetroPlus Gold has been available since January 1, 2016 to all NYC ... - GHI-CBP/Empire BlueCross BlueShield (Basic Plan has No employee cost) * If hired before July 1, 2019 you are able to enroll into any of the 11 Health Plans Offered. ...EmblemHealth : PPO Coverage for: Individual/Family. Plan Type: PPO July 1, 2023 - June 30, 2024. The Summary of Benefits and Coverage (SBC) document will help you choose a health plan. The SBC shows you how you and the plan would share the cost for covered health care services. NOTE: Information about the cost of this plan (called the premium ...Where to eat and drink at Phoenix Sky Harbor Airport, the best airport in the US for food lovers. I’m not a Phoenix homer. I understand Phoenix is hot and sprawling, and while it d...Aug 1, 2018 · Networks and Benefits. The table below shows how our provider networks and member benefit plans relate to our underwriting companies. You can print out this page as a reference tool for the staff who schedules appointments for you. Check the boxes to show them which networks your contract covers. Please customize for each practice location. Health and Security Plan’s Inquiry Unit – Call (212) 815-1234. Retiree Toll-Free Number – Call 1-877- 323-7738 from outside the NY-NJ- CT area. As with all decisions regarding eligibility for and the amount of benefits payable under the Plan, the benefit allowances and guidelines are subject to change, at any time and for any reason, by ...Pharmacy. Lab. Please check that a provider is in your network or plan before scheduling a visit with them. Search for primary care doctors, specialists, hospitals, and other services in any of our networks. You can search our ‘Find Care’ directory by plan, look up doctors by name, specialty, location, and more.Advertisement It's very important to know what you must declare or reveal on an official CBP declaration form (informally called the "customs form") before re-entering the country ...1. Have your member ID card handy, then type. emblemhealth.cominto your web browser. 2. Click the “Register Now” button on any page. Fill out the requested information. Once you submit this form, you’ll be able to access your account right away! 3. You’ll receive a confirmation email to the address you provided.Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services EmblemHealth : PPO Coverage for: Individual/Family Plan Type: OMB Control … ….

Young Adult Election and Eligibility Form - GHI, EmblemHealth Use this form if you are a plan member or the child of a plan member who is now a young adult and wants to be covered under your parent's plan. Members who have an On Exchange plan must contact NYSOH at 1‑855‑355‑5777 to elect coverage under the Young Adult rider.2921 total posts. Name: GHI CBP- rider or no rider? It's $7 per paycheck to add the rider. Never had it before, but now that I have DD, I'm wondering if I should add the rider on while open enrollment is still going on. Aside from seeing out of network doctors, what is the real benefit to having the rider exactly?• GHI CBP plan (New York City Plan) No PCP or referrals required. Deductibles: IN: N/A OON: $200/$500 Copay: $15/$30/$150 ACPNY and Monte: $0/$0 MOOP: $4,550/$9,100 ... (GHI), Health Insurance Plan of Greater New York (HIP), HIP Insurance Company of New York and EmblemHealth Services Company, LLC are EmblemHealth companies. ...Kas yra GHI CBP Carveout? GHI visapusiškas išmokų planas (CBP) suteikia jums laisvę pasirinkti gydytojus tinkle arba už tinklo ribų. Galite kreiptis į bet kurį tinklo gydytoją be siuntimo. Daugeliu atvejų, kai kreipiatės į tinklo gydytoją, jūsų išlaidos bus tik užmokestis. Ne tinklo sveikatos priežiūros specialisto naudojimas.I’m in an open enrollment period at work so I have a chance to change my insurance. I’m looking at 2 plans right now; a “GHI-CBP Basic” plan that costs $0 additional dollars and a plan called “GHI-CBP Carveout” that will cost an additional $4.66 per month. I tried to look up what “GHI-CBP Carveout” is but could not find anything.GHI-CBP option consists of two components: • GHI, an EmblemHealth company, offering benefits for medical/physician services, and • Empire BlueCross BlueShield offering benefits for services provided at hospital and out-patient facilities. GHI Emblem Health (GHI): You have the freedom to choose any provider worldwide.GHI CBP 212-501-4444 GHI HMO 877-244-4466 HIP Prime POS 800-447-8255 Vytra 866-409-0999 VIP Premier HMO and Rx Carve Out Medicare 877-344-7364 GHI Senior … Empire HMO - New York GHI-CBP/EBCBS GHI HMO HIP Prime HMO HIP Prime POS MetroPlus Vytra Health Plan OTHER Optional Benefits (Please check one): Yes No WELFARE FUND - COBRA Contact your your union or welfare fund directly for the necessary forms, available options and costs. You will pay the union welfare fund directly for the Ghi cbp carveout, GHI CBP Network (Member ID cards may show: CBP, EPO, EPO1, EPO2, PPO, PPO1, or PPO4) GHI CBP Plan (New York City Plan) No PCP or referrals required. Deductibles: IN: N/A OON: $200/$500 Copay: $15^/$30/$150 ACPNY: $0/$0 Urgent Care Copay: $50 City MD Urgent Care: $100 ProHEALTH Urgent Care: $100 High-Tech1 …, For July 1, 2016 – December 31, 2016, the GHI Medical MOOP is $2,175 for an individual and $4,350 for a family. The EBCBS Hospital MOOP is $1,250 for an individual and $2,500 for a family. Telehealth. Effective July 1, you will have access to a Telehealth benefit through American Well (AmWell) for a $15 copayment., We would like to show you a description here but the site won’t allow us., Kas ir GHI CBP Carveout? GHI visaptverošais priekšrocību plāns (CBP) sniedz jums brīvību izvēlēties ārstus tīklā vai ārpus tīkla. Pie jebkura tīkla ārsta var tikt bez nosūtījuma. Vairumā gadījumu, apmeklējot tīkla ārstu, jūsu izmaksas būs tikai kopmaksa. Ārpus tīkla veselības aprūpes speciālista izmantošana., Group Health Incorporated health insurance plans being offered include PPO, EPO, HMO, dental, vision and drug coverage. Group Health Incorporated (GHI) is one of the largest health insurer in New York with over 2.1 million members. Their network is strong with 15,000 primary care physicians and over 31,000 specialists., If you work a side gig, your taxes are probably more complicated than the average person. Here's everything you need to know about side hustle taxes. We may receive compensatio..., Work for the city and signing up for a medical plan. I only really spend money on a OON therapist and GHI-CBP has some OON coverage, but not sure how much it reimburses …, GHI-CBP/Anthem Blue Cross and Blue Shield. GHI Emblem Health Anthem Blue Cross and Blue Shield. PPO (800) 624-2414 (800) 433-9592. GHI HMO: HMO (877) 244-4466: HIP ..., GHI CBP 212-501-4444 GHI HMO 877-244-4466 HIP Prime POS 800-447-8255 Vytra 866-409-0999 VIP Premier HMO and Rx Carve Out Medicare 877-344-7364 GHI Senior …, GHI CBP BENEFITS 5 Care In-network Out-of-network Primary care doctor office visit $15 Annual Deductible: $200 Individual/ $500 Family. You pay the difference between the Doctor’s fee and GHI’s reimbursement. Specialist office visit $30 Diagnostic Lab / X-ray $20 High-tech radiology $50 Routine physical exam $0 Outpatient physical therapy $20, provider may charge but is set at a fixed amount based on GHI’s 1983 reimbursement rates. Most of the reimbursement rates have not increased since that time, and will likely be less (and in many instances substantially less) than the provider’s charge. Using an out-of-network provider,, EmblemHealth GHI CBP Benefit Summary. If you are thinking about becoming a member, call us at 800-447-6929 (TTY: 711). If you are a current member, call us at 212-501-4444. (TTY: 711). Our hours are 8 a.m. to 6 p.m., Monday through Friday. A Customer Service representative will be happy to help you. You can also visit., Carve out definition. Carve out is a term which refers to the elimination of coverage of a specific category of benefit services, most commonly medical services which are not included in a standard health insurance contract and are paid for separately, like vision care, dental care, mental health cover or prescription drugs., provider may charge but is set at a fixed amount based on GHI’s 1983 reimbursement rates. Most of the reimbursement rates have not increased since that time, and will likely be less (and in ... Summary of Benefits and Coverage: GHI CBP Enhanced - Coverage Period: 07/01/2023- 06/30/2024 ..., - GHI-CBP/Empire BlueCross BlueShield (Basic Plan has No employee cost) * If hired before July 1, 2019 you are able to enroll into any of the 11 Health Plans Offered. If y ou were hired post July 1, 2019 you may change your coverage 365 days after your date of hire. You can visit ., Reviews, rates, fees, and rewards details for The Costco Anywhere Visa® Business Card by Citi. Compare to other cards and apply online in seconds Excellent Credit $0 Discover the o..., Speak to an EmblemHealth specialist for help finding the right plan. Call seven days a week from 8 a.m. to 8 p.m. EmblemHealth provides all our members the latest plan & health information, including GHI Insurance information. We are dedicated to helping you stay healthy, get well, and live better., A carve-out allows self-insuring employers to isolate specific risks within the scope of health insurance coverages they provide. The third-party vendor assumes financial risk for the carve-outs for which it receives a flat fee from the employer. A carve-out can include the majority of a plan or just a single benefit such as pharmacy or ..., The pilot program is currently only available for select travelers renewing their TTP status. The Global Entry program has been severely hampered during the pandemic, but the U.S. ..., I — CBP Hospital Benefits Summary (cont.) GHI — CBP Hospital Benefits Summary Basic 20Hospital 2benefits 21Basic Hospital In-network You pay: 021Basic Hospital Out-of-network You pay: Skilled nursing facility1 Up to 90 days per calendar year. NYC Healthline may substitute benefits if medically appropriate. 2 ½ outpatient visits=1 day in a , I’m in an open enrollment period at work so I have a chance to change my insurance. I’m looking at 2 plans right now; a “GHI-CBP Basic” plan that costs $0 additional dollars and a plan called “GHI-CBP Carveout” that will cost an additional $4.66 per month. I tried to look up what “GHI-CBP Carveout” is but could not find anything., City of New York employees and employees of Participating Employers and their eligible dependents hired on or after October 1, 2022 will only be eligible to enroll in the …, NYC Health Insurance. I'm a new City government hire, looking through the benefit options. I'm also a recent graduate who's new to all of this. I'm pretty healthy and careful - the …, Empire HMO - New York GHI-CBP/EBCBS GHI HMO HIP Prime HMO HIP Prime POS MetroPlus Vytra Health Plan OTHER Optional Benefits (Please check one): Yes No WELFARE FUND - COBRA Contact your your union or welfare fund directly for the necessary forms, available options and costs. You will pay the union welfare fund directly for the, NYC Health Insurance. I'm a new City government hire, looking through the benefit options. I'm also a recent graduate who's new to all of this. I'm pretty healthy and careful - the …, I chose metro plus gold because all of the doctors I see are in the H+H system and there are no copays for most things. I just left city employment lol but GHI CBP is superior and …, GHI HMO | EmblemHealth. Key Features. GHI HMO offers you: Coverage for a comprehensive range of in-network services. Choice of doctors in private practice or at physician group practices (PGPs) $0 copay at an AdvantageCare Physicians provider or Montefiore faculty-based center. No claims forms or other paperwork to fill out. Your In-Network Costs., D.C. 37 Med Team 55 Water Street - 23 Floor . New York, NY 10041 : 1-800-624-2414 (Representatives are available Monday through Friday, 8:00 a.m. to 8:00 p.m., Please contact our HR Shared Services Benefits Department at 646-458-5634 or email us at [email protected] for answers to specific questions concerning data entry and processing in the Employee Self Service Website. All City health benefits rules apply, including pay dates, which are included in this Transfer Period package. , The CDP will be cheaper than the HMO because the HMO has no or cheap copays. The CDP also offers some kind of cost-sharing for non-participating doctors, the HMO does not. Generally speaking, as long as there are in network providers for the HMO nearby, HMOs are fine and dandy., I — CBP Hospital Benefits Summary (cont.) GHI — CBP Hospital Benefits Summary Basic 20Hospital 2benefits 21Basic Hospital In-network You pay: 021Basic Hospital Out-of-network You pay: Skilled nursing facility1 Up to 90 days per calendar year. NYC Healthline may substitute benefits if medically appropriate. 2 ½ outpatient visits=1 day in a, GHI CBP Enhanced Plan w Rx 07/01/2020 - 06/30/2021 * For more information about limitations and exceptions, see the plan or policy document at www.emblemhealth.com ..., NYC Health Insurance. I'm a new City government hire, looking through the benefit options. I'm also a recent graduate who's new to all of this. I'm pretty healthy and careful - the only times I ever receive medical care is the annual checkups. I'm picking between the 2 most popular plans they offer: GHI-CBP and HIP-HMO.