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Health Insurance New York:
GHI (Group Health Incorporated)

TEIGIT offers three GHI plans to Sole Proprietors and Small Business Owners throughout New York State:

• Small Business Advantage (SBA)

• High Deductible Health Plans (HDHP)  
• HDHP PPO 
• HDHP EPO 

The Small Business Advantage Plan is a PPO, where you may choose your own providers.  If they are in network, you pay a copay; out of network, you are responsible for a deductible, and then will be reimbursed a percentage of your medical costs.

The High Deductible Health Plans are much less expensive options, but high deductibles apply both in and out of network.  However, once your in-network deductible is met, your in-network costs are covered at 100%.  Out of network, after the deductible, you are covered at 80% of usual and customary charges.  The EPO is an in-network only plan

Eligibility:  You must be under age 65, and self-employed for at least 60 days, working a minimum of 20 hours per week. Two of the following tax documents must be submitted as proof of self-employment.

• Schedule C (pages 1 and 2)
• Schedule SE
• Schedule K-1
• Schedule 1120-S
• Schedule E
• Schedule F
• Quarterly Wage and Withholding Form NYS-45

A Letter of Certification may be substituted if you are too new to have applicable tax documentation.

Plan Details: