subject: State-Sponsored Health Insurance for New York's Working Class [print this page] State-Sponsored Health Insurance for New York's Working Class
These times when our country is financially challenged, we need to have a good health insurance all the more. Health insurance premiums in New York are typically more costly when compared to that of other states. The population of New York ranges from the very wealthy to the very poor. because of the high rates for health care, the increase in unemployment and inflation, this leaves the poor vulnerable since they are the ones most affected because of poor eating habits, stress and other chronic illness as a product of poverty.
This population is most in need of health care. However, the most disadvantaged individuals and families need not despair. The government provides us with Medicare, Medicaid and other health care programs.
New York state sponsors various health insurance policies. New York residents who can't afford a private insurance but are looking to insure their children, you can either apply for Children's Medicaid or Child Health Plus depending on your annual gross income. If the family income is less than 1.6 times the poverty level there is no charge for this insurance. The rates will go up as the income goes up; so a family with a higher income can pay anywhere from $9.00 to $40.00 monthly for each child. The best part about this is that there is no need to pay co-pays. Everything is covered. These are the some of the benefits you can expect to get - doctor visits, immunizations, surgery, inpatient hospital care, hospice, speech and hearing, diagnostic testing, eye care, dental care, drug abuse treatment (limited), diagnostic testing, exams and short-term treatments.
Another program offered by New York State is the Family Health Plus plan. Despite the name, this is not limited to families. Individuals from ages nineteen to sixty-four who are without any children can still apply. This program covers preventive care, doctor visits, treatments like chemotherapy and many more.However you may have to pay co payments. Approval will be dependent on your annual income. If you are not eligible for this program, you can apply for Healthy NY. Healthy NY is designed for self-employed individuals and small business owners with limited staff. Rates of Healthy NY plans are 50% less than what private companies have for individual plans and 20% less for the plans they offer to small proprietors.
If you are looking to get health insurance coverage in the state of New York, you should research more about HIP medical insurance. HIP is the largest carrier in New York offering cost-effective health insurance plans for fifty-eight years. For over thirty years, they have been the provider for Medicare plans in New York. There are 5 different Medicare drug prescription plans and the newer Medicare D Out Patient Prescription Drug Plan.
Health insurance for New York's is so expensive that they might actually find themselves torn between feeding their family or paying for the health care. So think smart and see what state-run insurance program your family may be eligible to apply for.
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