Excellus Essential Plan in NYC for 2025
The Excellus Essential Plan, offered through NY State of Health, provides affordable health insurance for New York City residents. With $0 premiums for eligible individuals, low copays, and a broad provider network, Excellus delivers quality care at a low cost. Whether you need routine checkups, specialist care, or emergency services, this plan has you covered. Call (888) 215-4045 for a free quote today.
Benefits of the Excellus Essential Plan
The 2025 Excellus Essential Plan offers a robust set of benefits:
- Low Copays: $0–$150 for primary care, specialists, hospital stays, and emergency room visits.
- Prescription Coverage: $0–$30 copays for generic, insured, and high-cost medications.
- No Deductible: $0 in-network deductible for immediate benefit access.
- Max Out-of-Pocket: $0–$2,000, ensuring financial security.
- Vision and Dental: Select plans include vision and dental coverage.
- Provider Network: Access Excellus’ trusted NYC providers, including leading hospitals.
How to Join the Excellus Essential Plan
Enrolling in the Excellus Essential Plan is straightforward with NYHealthInsurer’s support:
- Confirm Eligibility: Use our guide to verify income and household requirements.
- Pick Enrollment Period: Enroll during open enrollment (November 1–January 31 for 2026) or a special enrollment period.
- Provide Details: Enter zip code, income, and preferences in our quoting tool to view Excellus plans.
- Select Plan: Choose the best tier with our brokers, ensuring provider coverage.
- Complete Application: Finalize securely through NY State of Health.
User Stories: Real Experiences with Excellus
Lisa – Bronx Teacher
Lisa, a Bronx teacher, needed affordable healthcare for her family. She enrolled in the Excellus Essential Plan, benefiting from $0–$150 copays and no deductible. “NYHealthInsurer’s broker ensured my pediatrician was covered,” she said. Lisa saved $2,000 annually, easing her financial burden.
James – Manhattan Retiree
James, a Manhattan retiree, chose the Excellus Essential Plan for its $0 premiums and $6–$30 prescription copays. “The enrollment process was smooth with NYHealthInsurer’s help,” he shared. With a $2,000 max out-of-pocket, James saved $1,500, enjoying worry-free care.
Frequently Asked Questions
What does the Excellus Essential Plan cover?
It covers primary care, specialists, hospital stays, emergencies, prescriptions, and select vision/dental with $0–$150 copays and no deductible.
Who is eligible for the Excellus Essential Plan?
NYC residents with incomes up to 250% of the federal poverty level qualify. Check our eligibility guide.
How do I enroll in the Excellus Essential Plan?
Enroll via NY State of Health during open enrollment or a special period. Call (888) 215-4045 for support.
What are the out-of-pocket costs?
Copays range from $0–$150, with a $0–$2,000 max out-of-pocket limit, depending on the plan.
Why Choose Excellus with NYHealthInsurer?
NYHealthInsurer has partnered with Excellus since 2013, offering:
- Expert brokers trained in NY State of Health plans.
- Tailored quotes based on your needs and income.
- Provider verification for in-network care.
- Multilingual support for NYC’s communities.
Other Essential Plan Options
Compare Excellus with other providers:
Sign up for the Excellus Essential Plan! Get a free quote today or call (888) 215-4045!