For our NY health insurance members: You can see answers to some FAQs on our Empire page.  Confused about the difference between a copay and coinsurance?  Take a look at the glossary of insurance terms. Unfortunately, yes, our servers were on the fritz for a while last night, but you should be able to access all the areas of the website now!  And of course, you can contact Member Services for help.  Hold times on our phones will probably be longer than usual for the next few days, so if you'd like you can call back later this week or early next week.