Explaining Out-of-Network Benefits through Empire BlueCross BlueShield

April 16, 2018

Under the New York City District Council of Carpenters (“NYCDCC”) Welfare Fund, you have both In-Network and Out-of-Network benefits through Empire BlueCross BlueShield (“Empire”). HOWEVER, it is more costly to you when going Out-of-Network. Out-of-Network benefits have higher Annual Deductibles, Co-Insurance, and Out-of-Pocket Maximums. In addition, you can also be balance-billed for any difference between the Out-of-Network rate and the billed amount. To learn more about Out-of-Network benefits and why it is more beneficial to go In-Network whenever possible, click on the flyer below.