Jeffrey Wade
MVP Health Care is a health insurance company that offers a range of health benefit plans and options for individuals, families, and employers in New York and Vermont. MVP Health Care's members have access to a large network of providers, including doctors, specialists, and hospitals. The company provides comprehensive plans with valuable benefits and extras, such as $0 co-pays for children under 19 and 24/7 access to virtual care. To apply for MVP insurance, individuals can visit the official website of MVP Health Care or HealthCare.gov to create an account, fill out an application, and review their choices before enrolling.
| Characteristics | Values |
|---|---|
| Company | MVP Health Care, Inc. |
| Location | New York and Vermont |
| Number of Members | 750,000 |
| Number of Providers | 19,000+ |
| Number of Contracted Facilities | 150 |
| National Network of Doctors, Specialists, and Hospitals | 500,000+ |
| Rating | Financial Strength: A.M. Best rating B+ |
| Quality Ratings | NCQA Excellent |
| US News and World Report | "America's Best Health Plans" |
| Plan Type | Bronze Level major medical insurance plan |
| Cost Structure | High deductible with minimal coverage for commonly used healthcare services |
| Monthly Premium | $600 or more per month (employer portion) |
| Deductible | $8150 (employee portion) |
| Affordable Plans | Starting at $0/month with valuable benefits |
| Plan Benefits | In-network cost-sharing, 24/7 urgent care, same-day treatment, specialized pediatric care |
| Application Process | Create an account on HealthCare.gov, fill out an application, review choices, and enroll |
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What You'll Learn
Understanding the MVP Health Insurance Plan
MVP Health Insurance offers comprehensive health insurance plans in New York State. These plans are available to individuals, families, and employer-based groups. MVP Health Insurance is also a provider of Medicare Advantage plans, which are available in certain regions of New York.
The company offers a range of plans, including those that start at \$0/month for people over 65 and select others, with free or low-cost coverage for children under 19. MVP Health Insurance also provides valuable benefits, such as 24/7 urgent care, same-day treatment for many health conditions, and specialized pediatric care. Their plans also include vision and dental coverage, doctor and specialist visits, outpatient testing, lab work, and urgent care coverage.
The MVP Health Insurance Plan for Employees is a standard Bronze Level major medical insurance plan. This plan has a high deductible and minimal coverage for commonly used healthcare services. The employer must pay the majority of the monthly premium (\$600 or more), and the employee must pay the entire deductible (\$8150) before most services are covered. However, MVP also offers more affordable options during the Open Enrollment period to help employees understand how to make the best use of their healthcare options.
MVP Health Insurance's Medicare Advantage plans must offer the same coverage as Medicare Part A (hospital insurance) and Medicare Part B (health insurance), also known as Original Medicare. However, unlike Original Medicare, which is the same nationwide, Medicare Advantage plans vary depending on where you live. MVP offers two types of Medicare Advantage plans, including HMO-POS plans, which have received an "Excellent" accreditation status from the National Committee for Quality Assurance (NCQA).
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Eligibility and cost
MVP Health Care offers comprehensive health insurance plans in New York and Vermont. It provides access to over 19,000 providers, 150 contracted facilities, and a national network of 500,000 doctors, specialists, and hospitals.
Eligibility
MVP Health Care offers individual, family, and employer-based coverage options. For employer-based coverage, MVP Plans are designed for Applicable Large Employers to satisfy the Tax B requirement of the Affordable Care Act. Employees will no longer be eligible for government subsidies offered through the Open Market if they are currently participating in a government-sponsored plan.
Cost
The cost of MVP Plans varies depending on the specific plan chosen and the eligibility of the applicant. Plans for individuals start at $0/month, with comprehensive plans also available at $0/month for those over 65 or select others. For employer-based coverage, the monthly premium is typically $600 or more per month, with the employee paying the entire deductible of $8150 before most services are covered. The employee's portion of the MVP premium is calculated as 9.78% of a monthly amount determined by the federal poverty level for a single individual for the applicable calendar year, increasing each year according to the federal poverty scale.
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Registering and applying
Online
To apply for MVP Health Insurance online, you can visit the MVP Health Care website or eHealthInsurance, the leading online source of health insurance in the US. On the MVP Health Care website, you can compare plans, view benefits and coverage, and make payments. eHealthInsurance allows you to compare thousands of plans side by side, get quotes, and apply online.
By Phone
If you prefer to register and apply by phone, you can call the number on the back of your MVP Member ID card. This is also the number to call if you receive any suspicious automated calls claiming to be from MVP.
In-Person
You can apply for and enroll in a plan through an approved enrollment partner, such as an insurance company or online health insurance seller. You can search by your city, state, or ZIP code to find a list of local organizations that can help with your application. Some of these organizations offer in-person assistance and languages other than English.
Through an Employer
MVP Health Insurance Plans can also be obtained through your employer. Applicable Large Employers may offer MVP Plans to satisfy the Tax B requirement of the Affordable Care Act. These plans are affordable under the Affordable Care Act, with the employee's portion of the MVP premium being 9.78% of a monthly amount determined by the federal poverty level for a single individual for the applicable calendar year.
It is important to note that while MVP plans offer comprehensive coverage, they are considered Bronze Level major medical insurance plans with high deductibles and minimal coverage for commonly used healthcare services.
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Comparing with other health insurance plans
Before selecting a health plan, it is advisable to compare the options offered by different companies. Medicare’s search tool allows you to view policies from all companies in your area. Medicare Advantage plans are specific to where you live, and MVP offers plans in certain regions in New York. MVP is a private insurance company that offers Medicare Advantage (Part C) plans, which must offer the same coverage as Medicare Part A (hospital insurance) and Medicare Part B (health insurance). MVP offers two types of Medicare Advantage plans, HMO and PPO, but not all plans are available in all counties.
HMO plans work with a network of healthcare professionals for coverage, and MVP offers these plans as HMO Point-of-Service (HMO-POS) plans. This type of plan allows more flexibility than a traditional HMO, with no need for referrals from a PCP. You can see out-of-network professionals, but you will have a higher copay.
PPO plans also have a network, but they offer some freedom to see out-of-network providers. With a PPO offered by MVP, you’ll pay less to see in-network professionals. All of MVP’s Medicare Advantage plans offer Part D prescription drug coverage, and some plans also include dental, vision, and hearing care.
MVP Health Care also offers comprehensive health insurance plans with individual, family, and employer-based coverage. These plans start at \$0/month for people over 65 and select others, with free or low-cost coverage for children under 19. MVP also offers Medicaid, Child Health Plus, and Essential Plans.
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Customer support
MVP Health Care, Inc. is a family of companies offering a range of health benefit plans and options throughout New York and Vermont. It offers comprehensive health insurance plans with individual, family, and employer-based coverage.
MVP Health Care provides 24/7 access to virtual care through Gia® by MVP, where members can find the healthcare professionals and support they need. Members can also view, print, and order ID cards, find doctors, check claims, make payments, and more through their online account.
For any queries or complaints regarding coverage under their medical plan, members can contact MVP's Customer Care Center. The contact number may be found on the back of the member's MVP ID card.
In the case of billing errors or disputes, members can contact MVP's Professional Relations Department, which works directly with providers to resolve these issues.
MVP also offers Well-Being programs and resources to help members live and stay well, as well as unique health and wellness programs that pay employees up to $600 for fun, fitness, and healthy lifestyle choices.
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Frequently asked questions
MVP Health Insurance is a family of companies offering a range of health benefit plans and options throughout New York and Vermont. MVP Health Care’s 750,000 members have access to more than 19,000 providers, 150 contracted facilities regionally, and a national network of 500,000 doctors, specialists, and hospitals.
MVP Health Insurance offers comprehensive plans starting at $0/month for people over 65 and select others. It also offers free or low-cost coverage for children under 19, affordable group coverage for large and small businesses, and $0 co-pays.
You can apply for MVP Health Insurance online through eHealthInsurance, which is the nation's leading online source of health insurance.
MVP Plans amount to a standard Bronze Level major medical insurance plan. These plans have a high deductible and very minimal coverage for most healthcare services. They are expensive for both the employer and the employee as the employer must pay the majority of the monthly premium ($600 or more per month) and the employee must pay the entire deductible ($8150) before almost any services are covered.
