Notice of Privacy Practices and Compliance

The Notice of Privacy Practices has been updated to include language about how we protect the privacy of substance use disorder (SUD) treatment information. You can find more information on Page 3 of the Privacy Notice under “SUD Treatment Information".

• Privacy Notice
• Nonpublic Personal Financial Information Policy
• Electronic Communications Disclosure
• Website and Mobile Privacy Policy

En Español

• Aviso de Prácticas de Privacidad
• Politica de Información Financiera Personal No Pública

• Authorization to Disclose Information
• Authorization to Disclose Information — Spanish

Annual Notices/Reports—Commercial

• Member
• Provider – New York
• Provider – Vermont
• Vermont Report

Rate Filing—Narrative Summaries

• 2026 New York Individual HMO
• 2026 New York Small Group HMO
• 2026 New York Small Group EPO and PPO
• 2026 New York Large Group HMO
• 2025 New York Individual HMO
• 2025 New York Small Group HMO
• 2025 New York Small Group EPO and PPO
• 2025 New York Large Group HMO

Protocols for Domestic Violence and Endangered Victims

• Protocols for Domestic Violence Victims and Endangered Victims
• Protocolos de Confidencialidad para Víctimas de Violencia Doméstica y Víctimas en Peligro

New York State Out-of-Network (OON) Law (Effective 3/30/15)

• Independent Dispute Resolution Process for Emergency and Surprise Bills—Member
• Independent Dispute Resolution Process for Emergency and Surprise Bills—Health Care Providers
• Out-of-Network Reimbursement Examples

• Annual Health Equity Analysis of Utilization Management Policies and Procedures: 2024

• NY No Surprises Act Disclosure Notice
• VT No Surprises Act Disclosure Notice

New York Individual

• FRNY EP 1&2 2026 COC
• FRNY EP 3&4 2026 COC
• FRNY44 INDV HMO COC 2026 CAT
• FRNY44 INDV HMO COC 2026 CHILD ONLY
• FRNY44 INDV HMO COC 2026 CHILD ONLY HDHP
• FRNY44 INDV HMO COC 2026 NSTD
• FRNY44 INDV HMO COC 2026 NSTD AGG-EMB
• FRNY44 INDV HMO COC 2026 NSTD EMB
• FRNY44 INDV HMO COC 2026 NSTD PCP
• FRNY44 INDV HMO COC 2026 STD HDHP
• FRNY44 INDV HMO COC 2026 STD PCP
• FRNY STD IND COC 2026
• NY44 INDV HMO COC 2026 CAT
• NY44 INDV HMO COC 2026 CHILD ONLY
• NY44 INDV HMO COC 2026 NSTD
• NY44 INDV HMO COC 2026 NSTD AGG-EMB
• NY44 INDV HMO COC 2026 NSTD PCP
• NY44 INDV HMO COC 2026 STD
• NY44 INDV HMO COC 2026 STD PCP
• NY44 INDV HMO HDHP COC 2026 CHILD ONLY
• NY44 INDV HMO HDHP COC 2026 NSTD EMB
• NY44 INDV HMO HDHP COC 2026 STD

New York Small Group

• NY43 SG EPO COC 2026
• NY43 SG EPO COC 2026 AGG-EMB
• NY43 SG EPO COC 2026 AGG-EMB-Q (NoFP)
• NY43 SG EPO COC 2026 EMB-EMB
• NY43 SG EPO COC 2026 EMB-EMB-Q (NoFP)
• NY43 SG EPO COC 2026 PCP
• NY43 SG EPO COC 2026 PCP-Q (NoFP)
• NY43 SG EPO COC 2026-Q (NoFP)
• NY44 SG HMO COC 2026
• NY44 SG HMO COC 2026 AGG-EMB
• NY44 SG HMO COC 2026 HDHP EMB-EMB
• NY44 SG HMO COC 2026 PCP
• NY44 SG HNY COC 2026 GRP RX

New York Large Group

• NY43 CERT EPO GF 2026
• NY43 HMOPOS COC 2026 IntRX FP
• NY43 HMOPOS COC 2026 NoRX NoFP
• NY43 HMOPOS COC GF 2026
• NY43 LG 7 EPO COC 2026 IntRX AGG HD NoFP
• NY43 LG 7 EPO COC 2026 IntRX AGG HD
• NY43 LG 7 EPO COC 2026 IntRX AGG NoFP
• NY43 LG 7 EPO COC 2026 IntRX AGG
• NY43 LG 7 EPO COC 2026 IntRX AggEmb HD NoFP
• NY43 LG 7 EPO COC 2026 IntRX AggEmb HD
• NY43 LG 7 EPO COC 2026 IntRX AggEmb NoFP
• NY43 LG 7 EPO COC 2026 IntRX AggEmb
• NY43 LG 7 EPO COC 2026 IntRX EMB HD
• NY43 LG 7 EPO COC 2026 IntRX EMB NoFP
• NY43 LG 7 EPO COC 2026 IntRX EMB
• NY43 LG 7 EPO COC 2026 NoRX EMB NoFP
• NY43 LG 7 EPO COC 2026 NoRX EMB
• NY43 POS COC GF 2026
• NY43 PPO COC GF 2026
• NY44 HMO COC GF 2026
• NY44 LG 7 HMO COC 2026 IntRX NoFP
• NY44 LG 7 HMO COC 2026 IntRX
• NY44 LG 7 HMO COC 2026 NoRX NoFP
• NY44 LG 7 HMO COC 2026 NoRX

Vermont Small Group and Individual

• FRVT HMO STANDARD CTR (2026)
• FRVT HMO NON-STANDARD CTR (2026)
• FRVT HMO HDHP STANDARD CTR (2026)
• FRVT HMO HDHP NON STANDARD CTR (2026)

Vermont Large Group

• VT 6 HMO 2026 COC
• VT 6 HMO 2026 COC IntRx
• VT 6 HMO 2026 COC IntRx HDHP

New York Individual

• FRNY EP 1&2 2025 COC
• FRNY EP 3&4 2025 COC
• FRNY44 INDV HMO COC 2025 CAT CL
• FRNY44 INDV HMO COC 2025 CHILD ONLY HDHP
• FRNY44 INDV HMO COC 2025 CHILD ONLY
• FRNY44 INDV HMO COC 2025 NSTD AGG-EMB
• FRNY44 INDV HMO COC 2025 NSTD PCP
• FRNY44 INDV HMO COC 2025 NSTD
• FRNY44 INDV HMO COC 2025 STD HDHP
• FRNY44 INDV HMO COC 2025 STD PCP
• FRNY44 INDV HMO COC 2025 STD
• NY44 INDV HMO COC 2025 CAT
• NY44 INDV HMO COC 2025 CHILD ONLY HDHP
• NY44 INDV HMO COC 2025 CHILD ONLY
• NY44 INDV HMO COC 2025 NSTD HDHP
• NY44 INDV HMO COC 2025 NSTD PCP
• NY44 INDV HMO COC 2025 NSTD
• NY44 INDV HMO COC 2025 STD HDHP
• NY44 INDV HMO COC 2025 STD PCP
• NY44 INDV HMO COC 2025 STD

New York Small Group

• NY43 SG EPO COC 2025 AGG-EMB-Q (NoFP)
• NY43 SG EPO COC 2025 AGG-EMB
• NY43 SG EPO COC 2025 PCP-Q (NoFP)
• NY43 SG EPO COC 2025 PCP
• NY43 SG EPO COC 2025-Q (NoFP)
• NY43 SG EPO COC 2025
• NY44 SG HMO COC 2025 AGG-EMB-Q (NoFP)
• NY44 SG HMO COC 2025 AGG-EMB
• NY44 SG HMO COC 2025 HNY-Q (NoFP)
• NY44 SG HMO COC 2025 HNY
• NY44 SG HMO COC 2025 PCP-Q (NoFP)
• NY44 SG HMO COC 2025 PCP
• NY44 SG HMO COC 2025- Q (NoFP)
• NY44 SG HMO COC 2025

New York Large Group

• NY43 CERT EPO GF 2025
• NY43 HMOPOS COC 2025 IntRX FP
• NY43 HMOPOS COC 2025 IntRX NoFP
• NY43 HMOPOS COC 2025 NoRX FP
• NY43 HMOPOS COC 2025 NoRX NoFP
• NY43 HMOPOS COC GF 2025
• NY43 LG 7 EPO COC 2025 IntRX AGG HD NoFP
• NY43 LG 7 EPO COC 2025 IntRX AGG HD
• NY43 LG 7 EPO COC 2025 IntRX AGG NoFP
• NY43 LG 7 EPO COC 2025 IntRX AGG
• NY43 LG 7 EPO COC 2025 IntRX AggEmb HD NoFP
• NY43 LG 7 EPO COC 2025 IntRX AggEmb HD
• NY43 LG 7 EPO COC 2025 IntRX AggEmb NoFP
• NY43 LG 7 EPO COC 2025 IntRX AggEmb
• NY43 LG 7 EPO COC 2025 IntRX EMB HD NoFP
• NY43 LG 7 EPO COC 2025 IntRX EMB HD
• NY43 LG 7 EPO COC 2025 IntRX EMB NoFP
• NY43 LG 7 EPO COC 2025 IntRX EMB
• NY43 LG 7 EPO COC 2025 NoRX EMB NoFP
• NY43 LG 7 EPO COC 2025 NoRX EMB
• NY43 PPO COC GF 2025
• NY44 HMO COC GF 2025
• NY44 LG 7 HMO COC 2025 IntRX NoFP
• NY44 LG 7 HMO COC 2025 IntRX
• NY44 LG 7 HMO COC 2025 NoRX NoFP
• NY44 LG 7 HMO COC 2025 NoRX

Vermont Small Group and Individual

• FRVT HMO HDHP NON-STANDARD CTR (2025)
• FRVT HMO HDHP STANDARD CTR (2025)
• FRVT HMO NON-STANDARD CTR (2025)
• FRVT HMO STANDARD CTR (2025)

Vermont Large Group

• VT 5 HMO 2025 COC INTRX HDHP
• VT 5 HMO 2025 COC INTRX
• VT 5 HMO 2025 COC

New York Individual

• FRNY EP 1&2 COC (2024)
• FRNY EP 3&4 COC (2024)
• FRNY44 INDV HMO COC 2024 CAT
• FRNY44 INDV HMO COC 2024 CHILD ONLY
• FRNY44 INDV HMO COC 2024 CHILD ONLY HDHP
• FRNY44 INDV HMO COC 2024 NSTD
• FRNY44 INDV HMO COC 2024 NSTD AGG EMB
• FRNY44 INDV HMO COC 2024 NSTD AGG EMB HDHP
• FRNY44 INDV HMO COC 2024 NSTD HDHP
• FRNY44 INDV HMO COC 2024 NSTD PCP
• FRNY44 INDV HMO COC 2024 STD
• FRNY44 INDV HMO COC 2024 STD HDHP
• FRNY44 INDV HMO COC 2024 STD PCP
• NY44 INDV HMO COC 2024 CAT
• NY44 INDV HMO COC 2024 CHILD ONLY
• NY44 INDV HMO COC 2024 CHILD ONLY HDHP
• NY44 INDV HMO COC 2024 NSTD
• NY44 INDV HMO COC 2024 NSTD AGG EMB
• NY44 INDV HMO COC 2024 NSTD AGG EMB HDHP
• NY44 INDV HMO COC 2024 NSTD HDHP
• NY44 INDV HMO COC 2024 NSTD PCP
• NY44 INDV HMO COC 2024 STD
• NY44 INDV HMO COC 2024 STD HDHP
• NY44 INDV HMO COC 2024 STD PCP

New York Small Group

• NY43 SG EPO COC 2024
• NY43 SG EPO COC 2024 AGG EMB
• NY43 SG EPO COC 2024 AGG EMB HDHP
• NY43 SG EPO COC 2024 AGG EMB Q NoFP
• NY43 SG EPO COC 2024 AGG EMB Q NoFP HDHP
• NY43 SG EPO COC 2024 HDHP
• NY43 SG EPO COC 2024 PCP
• NY43 SG EPO COC 2024 PCP Q NoFP
• NY43 SG EPO COC 2024 Q NoFP
• NY43 SG EPO COC 2024 Q NoFP HDHP
• NY44 SG HMO COC 2024
• NY44 SG HMO COC 2024 AGG EMB
• NY44 SG HMO COC 2024 AGG EMB HDHP
• NY44 SG HMO COC 2024 AGG EMB Q NoFP
• NY44 SG HMO COC 2024 AGG EMB Q NoFP HDHP
• NY44 SG HMO COC 2024 HDHP
• NY44 SG HMO COC 2024 HNY
• NY44 SG HMO COC 2024 HNY Q NoFP
• NY44 SG HMO COC 2024 PCP
• NY44 SG HMO COC 2024 PCP Q NoFP
• NY44 SG HMO COC 2024 Q NoFP
• NY44 SG HMO COC 2024 Q NoFP HDHP

New York Large Group

• NY43 CERT EPO GF 2024
• NY43 HMOPOS COC 2024 IntRX FP
• NY43 HMOPOS COC 2024 IntRX NoFP
• NY43 HMOPOS COC 2024 NoRX FP
• NY43 HMOPOS COC 2024 NoRX NoFP
• NY43 HMOPOS COC GF 2024
• NY43 LG 7 EPO COC 2024 IntRX AGG HD NoFP
• NY43 LG 7 EPO COC 2024 IntRX AGG HD
• NY43 LG 7 EPO COC 2024 IntRX AGG NoFP
• NY43 LG 7 EPO COC 2024 IntRX AGG
• NY43 LG 7 EPO COC 2024 IntRX AggEmb HD NoFP
• NY43 LG 7 EPO COC 2024 IntRX AggEmb HD
• NY43 LG 7 EPO COC 2024 IntRX AggEmb NoFP
• NY43 LG 7 EPO COC 2024 IntRX AggEmb
• NY43 LG 7 EPO COC 2024 IntRX EMB HD NoFP
• NY43 LG 7 EPO COC 2024 IntRX EMB HD
• NY43 LG 7 EPO COC 2024 IntRX EMB NoFP
• NY43 LG 7 EPO COC 2024 IntRX EMB
• NY43 LG 7 EPO COC 2024 NoRX EMB NoFP
• NY43 LG 7 EPO COC 2024 NoRX EMB
• NY43 PPO COC GF 2024
• NY44 HMO COC GF 2024
• NY44 LG 7 HMO COC 2024 IntRX NoFP
• NY44 LG 7 HMO COC 2024 IntRX
• NY44 LG 7 HMO COC 2024 NoRX NoFP
• NY44 LG 7 HMO COC 2024 NoRX

Vermont Small Group and Individual

• FRVT HMO HDHP NON-STANDARD CTR (2024)
• FRVT HMO HDHP STANDARD CTR (2024)
• FRVT HMO NON-STANDARD CTR (2024)
• FRVT HMO STANDARD CTR (2024)

Vermont Large Group

• VT 4 HMO 2024 COC INTRX HDHP
• VT 4 HMO 2024 COC INTRX NQHDHP
• VT 4 HMO 2024 COC Intrx
• VT 4 HMO 2024 COC

New York

Individual 

• FRNY EP 1&2 COC (2023)
• FRNY EP 3&4 COC (2023)
• FRNY44 INDV HMO COC 2023 CAT
• FRNY44 INDV HMO COC 2023 CHILD ONLY
• FRNY44 INDV HMO COC 2023 NSTD
• FRNY44 INDV HMO COC 2023 NSTD AGG-EMB
• FRNY44 INDV HMO COC 2023 NSTD PCP
• FRNY44 INDV HMO COC 2023 STD
• FRNY44 INDV HMO COC 2023 STD PCP
• NY44 INDV HMO COC 2023 CAT
• NY44 INDV HMO COC 2023 CHILD ONLY
• NY44 INDV HMO COC 2023 NSTD
• NY44 INDV HMO COC 2023 NSTD AGG-EMB
• NY44 INDV HMO COC 2023 NSTD PCP
• NY44 INDV HMO COC 2023 STD
• NY44 INDV HMO COC 2023 STD PCP

Small Group

• NY43 SG EPO COC 2023
• NY43 SG EPO COC 2023 AGG-EMB
• NY43 SG EPO COC 2023 AGG-EMB-Q (NoFP)
• NY43 SG EPO COC 2023 PCP
• NY43 SG EPO COC 2023 PCP-Q (NoFP)
• NY43 SG EPO COC 2023-Q (NoFP)
• NY44 SG HMO COC 2023
• NY44 SG HMO COC 2023 AGG-EMB
• NY44 SG HMO COC 2023 AGG-EMB-Q No FP
• NY44 SG HMO COC 2023 HNY
• NY44 SG HMO COC 2023 HNY-Q (NoFP)
• NY44 SG HMO COC 2023 PCP
• NY44 SG HMO COC 2023 PCP-Q (NoFP)
• NY44 SG HMO COC 2023- Q (NoFP)

Large Group

• NY43 EPO COC GF 2023
• NY43 PPO COC GF 2023
• NY43 HMOPOS COC GF 2023
• NY43 LG 7 EPO COC 2023 IntRX AGG
• NY43 LG 7 EPO COC 2023 IntRX AggEmb
• NY43 LG 7 EPO COC 2023 IntRX EMB
• NY43 LG 7 EPO COC 2023 NoRX EMB
• NY43 HMOPOS COC 2023 IntRX FP
• NY43 HMOPOS COC 2023 NoRX FP
• NY44 HMO COC GF 2023
• NY44 LG 7 HMO COC 2023 IntRX
• NY44 LG 7 HMO COC 2023 NoRX

Vermont

Small Group & Individual

• FRVT HMO HDHP NON-STANDARD CTR (2023)
• FRVT HMO HDHP STANDARD CTR (2023)
• FRVT HMO NON-STANDARD CTR (2023)
• FRVT HMO STANDARD CTR (2023)

Large Group

• VT 3 HMO 2023 COC
• VT 3 HMO 2023 COC INTRX HDHP
• VT 3 HMO 2023 COC INTRX NQHDHP

Dental

Individual

• Individual Adult Dental COC 2023
• Individual Family Dental COC 2023
• Individual Pediatric Dental COC 2023

Small Group

• Small Group Adult Dental COC 2023
• Small Group Family Dental COC 2023
• Small Group Pediatric Dental COC 2023

New York

Individual

• FRNY44 INDV HMO COC 2022 CAT
• FRNY44 INDV HMO COC 2022 CHILD ONLY
• FRNY44 INDV HMO COC 2022 NSTD
• FRNY44 INDV HMO COC 2022 NSTD AGG-EMB
• FRNY44 INDV HMO COC 2022 NSTD PCP
• FRNY44 INDV HMO COC 2022 STD
• FRNY44 INDV HMO COC 2022 STD PCP
• NY44 INDV HMO COC 2022 CAT
• NY44 INDV HMO COC 2022 CHILD ONLY
• NY44 INDV HMO COC 2022 NSTD
• NY44 INDV HMO COC 2022 NSTD AGG-EMB
• NY44 INDV HMO COC 2022 NSTD PCP
• NY44 INDV HMO COC 2022 STD
• NY44 INDV HMO COC 2022 STD PCP
• 2022 EP Subscriber Contract 1&2
• 2022 EP Subscriber Contract 3&4

Small Group

• NY43 SG EPO COC 2022
• NY43 SG EPO COC 2022-Q (NoFP)
• NY43 SG EPO COC 2022 AGG-EMB
• NY43 SG EPO COC 2022 AGG-EMB-Q (NoFP)
• NY43 SG EPO COC 2022 PCP
• NY43 SG EPO COC 2022 PCP-Q (NoFP)
• NY44 SG HMO COC 2022 HNY
• NY44 SG HMO COC 2022 HNY-Q (NoFP)
• NY44 SG HMO COC 2022
• NY44 SG HMO COC 2022-Q (NoFP)
• NY44 SG HMO COC 2022 AGG-EMB
• NY44 SG HMO COC 2022 AGG-EMB-Q No FP
• NY44 SG HMO COC 2022 PCP
• NY44 SG HMO COC 2022 PCP-Q (NoFP)

Large Group

• NY43 PPO COC GF 2022
• NY43 PPO COC GF NoFP 2022
• NY43 HDHP EPO COC GF 2022
• NY43 EPO COC GF 2022
• NY43 LG 7 EPO COC 2022 T1RX EMB
• NY43 LG 7 EPO COC 2022 T1RX EMB NoFP
• NY43 LG 7 EPO COC 2022 T1RX AggEmb
• NY43 LG 7 EPO COC 2022 T1RX AggEmb NoFP
• NY43 LG 7 EPO COC 2022 IntRX AGG
• NY43 LG 7 EPO COC 2022 IntRX AGG NoFP
• NY43 LG 7 EPO COC 2022 IntRX AggEmb
• NY43 LG 7 EPO COC 2022 IntRX AggEmb NoFP
• NY43 LG 7 EPO COC 2022 IntRX EMB
• NY43 LG 7 EPO COC 2022 IntRX EMB NoFP
• NY43 LG 7 EPO COC 2022 NoRX AGG
• NY43 LG 7 EPO COC 2022 NoRX AGG NoFP
• NY43 LG 7 EPO COC 2022 NoRX EMB
• NY43 LG 7 EPO COC 2022 NoRX EMB NoFP
• NY43 HMOPOS COC 2022 IntRX FP
• NY43 HMOPOS COC 2022 IntRX NoFP
• NY43 HMOPOS COC 2022 NoRX FP
• NY43 HMOPOS COC 2022 NoRX NoFP
• NY43 HMOPOS COC GF 2022
• NY44 HMO COC GF 2022
• NY44 LG 7 HMO COC 2022 IntRX
• NY44 LG 7 HMO COC 2022 IntRX NoFP
• NY44 LG 7 HMO COC 2022 NoRX
• NY44 LG 7 HMO COC 2022 NoRX NoFP

Vermont

Small Group and Individual

• FRVT HMO STANDARD CTR (2022)
• FRVT HMO NON-STANDARD CTR (2022)
• FRVT HMO HDHP STANDARD CTR (2022)
• FRVT HMO HDHP NON-STANDARD CTR (2022)

Large Group

• VT 3 HMO 2022 COC
• VT 3 HMO 2022 COC INTRX HDHP
• VT 3 HMO 2022 COC INTRX NQHDHP

Individual

• Individual Adult NY PPO DD 003 A
• Individual Family NY PPO DD 002 F
• Individual Pediatric NY PPO DD 001 P

Small Group

• Small Group Adult NY PPO SD 003 A
• Small Group Family NY PPO SD 002 F
• Small Group Pediatric NY PPO SD 001 P

New York

• NY43 VISION CTR INDIVIDUAL 2022
• NY43 VISION COC GROUP 2022 SMALL
• NY43 VISION COC GROUP 2022 LARGE

Vermont

• VT44 VISION CTR INDIVIDUAL 2022
• VT44 VISION COC GROUP 2022 SMALL
• VT44 VISION COC GROUP 2022 LARGE

• Commercial Member Rights and Responsibilities
• Medicaid Member Rights and Responsibilities
• Medicare Member Rights and Responsibilities