Battle of the Health Insurance Plans?

I never heard of GHI and did google search and appears to be an Empire policy.

http://www.insurance.com/health-insuranc...
This site sort of explains how both HMO and PPO works.

http://www.epohealthinsurance.com/epo-vs...
Found this, since I never heard of EPO myself.

EPOs, though cost effective, are quite restrictive since the network of doctors is usually smaller than in HMOs and it is nearly impossible to see an out-of-network provider without paying the entire medical fees from one's own pocket (copied from that site)

You know one thing and that you are looking to see which company has the doctors you need and seen in the past. But you need to remember that in most cases, every year that your employer renews the contracts with these companies, that sometimes one will "add" or they may "drop" certain doctors or providers.

What you need to do, is take the literature they gave you on each company. Get a pen/paper and write down several things.
1: Deductibles
2: Co-pays
3: Co-insurance
4: Prescription, if they have a mail in plan
5: Costs to you out of pocket or deducted from your paycheck.
6: Maternity coverage (I am assuming you are female) do you want or may need in the future

As for pre existing, you may want to clarify with your HR or not if possible. As a general rule, all group policies will not have vs a private policy. But,,,,,with some companies, they can do so (IF), you did not have prior health insurance. But even if they do, most will only have in general 6 months to 18 months, then it is covered. You appear to live in NY, so don't know the rules or laws that would apply there.

Do you have a HR department that you can talk to? If so, it is not uncommon to call them and pose these questions that might make it easier to sort out. Years ago, when I got my 1st job, I called and they explained to me the differences that I could understand and make my decision.

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