Health Insurance - Using Health Benefits
  • When you join a health plan you will receive an identification card and member handbook, with detailed information about your benefits.

  • Each health plan has participating providers who agree to accept certain fees for their services. You must use a participating provider in order to receive the maximum benefits from each plan. The health plan you choose will tell you how to find out who the participating providers are.

  • If you use a non-participating provider, your benefits will be reduced if you are in the PPO (refer to the Empire PPO Benefit Booklet), or may not be covered at all if you are in an HMO.

  • For more information regarding the Empire PPO, please refer to the Empire PPO Benefit Booklet. The Benefits Handbook also contains information regarding using PPO health benefits.

  • For more information regarding your HMO benefits, please refer to the HMO member handbook. 

    To find out more about the HMOs offered in your geographic area, please refer to the Health Insurance Deduction and Premium Amounts and the "View Health Plan Quality" section of the NCQA's Health Choices link. 

    Note: You will need to log in with your RF Web site user name and password to access Health Insurance Deduction and Premium Amounts. Don't have a user account? Visit

    The Benefits Handbook also contains information about using HMO health benefits.


Health Insurance - Regular



Contact your campus benefits office for more information.

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