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New York health insurance
Having a health insurance plan to deal with the emergencies in life is not just good sense; it will save you a lot of trouble in future if you face catastrophic health costs. If you are a resident of New York and are looking for health insurance, this page will provide you with all the information you need.
Individual health insurance in New York
Medical underwriting is not allowed in the state of New York. This implies that an insurance company cannot look into your past medical records and deny you insurance. They may not charge you more for your health status also. For this reason, in general, the premiums for health insurance plans in New York are very high.
All health insurances companies operating in the state of New York are legally bound to offer insurance to the residents. If you are a resident, you can avail of different health plans based on your needs, premiums and other costs like deductibles, coinsurance and copayments. As there are a number of plans on offer, it is important for you to go through each in detail so that you can find one that is just right for you. You can go for HMO, PPO and POS type of plans. You can also go for plans under HSA to get some tax benefits.
Group health insurance in New York
The group health plans offered in the state of New York are considerably less priced compared to the prices of individual health insurance plans in the state. The insurance premiums payable are determined by community rating. For people who do not have a health care coverage in the recent past, the carrier may look back into your health status for around 6 months and impose an exclusionary period of 12 months on you.
The healthy New York program is also offered in the state of New York. This program aims at helping workers and small business owners find health insurance. Every HMO in the state offers this program and it aims at covering the essential needs of the people. The participation rules and eligibility criteria differs from group to group.
COBRA coverage in New York
Laws under the Consolidated Omnibus Budget Reconciliation Act of 1985 are applicable in the state of New York. This law provides that a company employing more than 20 people is obligated to continue covers for him even after his employment has been terminated. The covers also have to be extended to his family. The covers are continued for a particular period of time.
New York Medicaid plans
Medicaid plans are also offered in the state of New York. Under this state and federal sponsored program, health plans are offered to people who have a low income, are pregnant, disabled or residents of nursing homes. Some of the people receiving Medicare are also eligible for this program. Plans are offered to these individuals, always providing that they meet certain income requirements. For participants under the
New York also offers the Child’s Health Plus children’s health insurance program. Under this program, health insurance is provided to children below the age of 19, provided they meet certain income criteria. They must also be residents of New York and have a social security number. Also, they may not be blind, disabled or receiving health insurance through an employer.
Easy Quotes from the Top New York Health Insurance Carriers
Get the best in New York health insurance quotes from our service. Through our service, you can get quotes on health insurance from the top health insurance carriers. This includes- American Medical Security, American Family Insurance, Anthem Blue Cross Blue Shield, Assurant Health, Fairmont Specialty Group, Celtic, Midwest Security, Golden Rule, Security Life and UNICARE and many more.
An easy, fast and free way to find New York Health Insurance
If you are looking for a fast and easy way of securing insurance, this is it. Just fill in a simple form with some basic information. This will be kept confidential and will be used only to provide you with medical insurance quotes. When you complete this form, you will receive instantaneous quotes from the top carriers. If you want, you can buy the plans online also. We will also put you in touch with licensed local agents in your area who will assist you in every way before you can purchase a plan.
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