Health Insurance In New York
Although some people consider having health insurance as an additional payable
, a lot of people actually want to get one because of the benefit it offers. For one, the high cost of medical treatment is one of the factors why people face debt. Two, health insurance seek to improve ones physical well-being by helping in getting the necessary care relative to ones health status. Three, in due consideration of prevailing factors like expensive costs, quality health is compromised without the help of insurance.In New York, citizens can purchase health insurance individually or do have it as a group. With the accessibility to insurance programs in the state, an individual should know that in accordance to policy, he can be denied claims from the insurance if the premium is unpaid for 63 days or more. This especially applies to individuals with pre-existing conditions. In terms of emergency though, the State of New York protects one from being denied the necessary services regardless of his payment history and financial capability to do so.
In the same way as in all other states, health insurance New York offers its citizens three ways to get enrolled: through ones employer, through a private plan, or through government subsidized programs. Under the employment sector, the options are as follows:
1. Coverage from employers. This comes as a benefit of ones employment. It entails that ones employer pays a higher percentage of the insurance premium and the employee pays for the rest. Examples are those paid for by unions, employers, and the Consolidated Omnibus Budget Reconciliation Act (COBRA).
2. Coverage from the academe. Some educational institutions in New York offer health insurance to its students as long as they meet certain academic requirements. One common requirement is for a student to be enrolled under a specific number of credits per semester.
3. Coverage for small business. This is an insurance plan intended for sole proprietors or the self-employed. A few well-known programs are Health NY, LIA Health Alliance, and Brooklyn HealthWorks. For self-employed individuals, health plans are offered through association memberships. Still, like all insurance programs, eligibility has to be met for this.
Under the programs subsidized by the government, the following are available options for health insurance New York:
1. Medicaid. This program does not require premium. In order to determine ones eligibility, ones sum of all income is obtained and deductions appropriately made.
2. Family Health Plus. This program is available to citizens aged 19 to 64 whose income information is overqualified under Medicaid requirements. Individuals enrolling under this program should be uninsured. Like Medicaid, this program does not have a premium.
3. Health NY. This is a group of insurance companies partnered with the state who aim at providing reduced health insurance services to individuals who do not qualify for the aforementioned plans above. Certain limitations are applicable although no premium is involved.
Apart from the standard programs available, health insurance New York also offers special programs or assistance for specific purposes. Among the specific assistance programs are for these purposes:
1. For pregnant women to avail of pregnancy care services.
2. For individuals who need assistance in diseases like HIV, AIDS, or cancer.
3. For the older population and those under 19 to get assistance on health-related matters.
4. To provide financial assistance to individuals who are receiving care in public hospitals and facilities.
5. To provide access to medications for free.
6. To provide assistance to individuals who do not have dental coverage.
In considering the available insurance products offered on the latter part above, one has to know that these are specifically tailored to meet the needs of individuals who have a low income and who are uninsured. One can always contact the State of New York Department of Health for specific inquiries.
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