What Insurance Is GHI?

Group Health Incorporated (GHI) is a legacy health insurance provider with roots tracing back to 1937. Known for offering health coverage in New York and surrounding areas, GHI merged with HIP to form EmblemHealth, one of the largest nonprofit insurers in the United States. Although GHI now operates under the EmblemHealth name, its plans and reputation continue to influence the way New Yorkers access care.

What Insurance Is GHI?

GHI, through EmblemHealth, offers a wide variety of plans tailored to different types of policyholders — from individuals and families to city employees and retirees. The available plans include PPO (Preferred Provider Organization) and HMO (Health Maintenance Organization) models. These options allow policyholders to choose providers with varying degrees of flexibility and referral requirements.

EmblemHealth continues to manage many plans originally introduced by GHI, such as the GHI-CBP (Comprehensive Benefits Plan), which is widely used by NYC employees. These plans are known for balancing affordability with access to high-quality care. Depending on your needs, you can select a plan that prioritizes either provider flexibility or care coordination.

A notable strength of GHI/EmblemHealth plans is their consistent mental health support. For example, their behavioral health benefits cover therapy, counseling, psychiatric consultations, and inpatient care. For more detailed information about what’s covered, visit GHI Mental Health insurance website or contact their support team directly.

Insurance Benefits

GHI plans include a variety of essential benefits designed to provide well-rounded healthcare. Beyond primary care, members benefit from preventive services, mental and behavioral health programs, maternity coverage, and chronic disease management.

• Mental Health Services: Plans include therapy sessions, medication management, and crisis support via in-network behavioral health professionals.
• Telehealth Availability: Especially in 2025, remote care is widely supported, offering virtual access to primary and mental health providers.
• Preventive Care: Services like annual physicals, immunizations, and screenings come at little or no cost, promoting long-term wellness.
• Prescription Coverage: GHI offers access to a wide pharmacy network with affordable copays and tiered medication pricing.

EmblemHealth has also invested in digital tools that enhance the user experience, such as their mobile member portal where individuals can manage appointments, claims, and prescriptions. In 2025, new AI-driven tools are being implemented to help identify care gaps and recommend proactive interventions.

Conclusion

GHI, operating under EmblemHealth, continues to deliver competitive and comprehensive health insurance for individuals and families alike. Its strong presence in New York, combined with reliable mental health coverage, preventive services, and a growing digital health infrastructure, makes it a top choice for those seeking affordable and dependable insurance in 2025.