For 2018, Oxford, while eliminating some plans, has increased the number of options to 46.  Increases for this year look to be around 5.2%.  Liberty advantage is new, with 2 referral-required plans.  Most of the plans have changed to a $20 Lab copay (from 100%), and the ER copay increasing to $700.  Rx deductibles on some plans are increasing from $100 to $200.

The pharmacy network on the Metro plan is the Value network (no CVS or Target).  The Metro network still does not include Northwell, Stonybrook, NYU or Maimonides.

From an underwriting standpoint, parental waivers will now be accepted as valid – critical on younger groups.