The GHI Catastrophic Rider was established to assist our members and their eligible dependents (includes spouses, registered domestic partners, and eligible dependent children; fulltime students ages 19–23) to defray some of the non-covered medical and surgical expenses incurred for services rendered by non-participating or out-of-network providers and to provide coverage for catastrophic illness.

  • Members must incur out-of-pocket expenses of more than $3,000 per year. (Out-of-pocket expenses are those medical and hospital charges that are considered reasonable and customary by GHI and are not reimbursed by either the City Health Plan or private insurers).
  • Members must produce a statement of services, Explanation of Benefits Form (EOB) and cancelled checks for expenses submitted.
  • Reimbursement is based on a contract year (January – December) 100% of GHI reasonable and customary charges, based on the current profile.
  • The maximum lifetime benefit is $2 million (limitations apply).

The first $25,000 is covered for private duty nursing care, and thereafter 50% of the remainder, with a lifetime cap of $50,000 per person. The cap for in-hospital mental health charges is $10,000 individual lifetime maximum.