There’s been a lot of discussion among members about the switch to FIC, and we’ve noticed some confusion. I’ve taken the time to correct some of the most common myths here. If you don’t understand something about the new benefits, ask Member Services or look at the information on the FIC website. 1) All Empire doctors, specialists, and hospitals will accept FIC. Your card will show the BlueCard PPO® logo. 2) Pre-existing conditions will be covered. For all members currently enrolled in insurance, there will not be a waiting period on FIC plans. 3) We sent a survey to all of our enrolled members last spring. Over 1,600 of you responded. There was a space to write in comments, and we read each and every one of them. We posted the results here on our website, and sent an invitation in the e-newsletter to come look at them. 4) There is an annual out-of-pocket maximum on all the PPO plans. This applies to outpatient surgery, among other costs. 5) Members who live in New Jersey will keep their coverage. While we aren’t enrolling new members in New Jersey, those who have insurance can keep it.