New York Individual Health Insurance
While arguments rage over the availability of so-called Universal Healthcare, one thing remains consistent: affordable healthcare is a fleeting fancy. For the lucky Americans who have health insurance, going to the doctor or getting prescriptions filled is peace-of-mind 46-million (Source: US Census Bureau) only dream about. For them, the reality is often the stark possibility that a life-saving medical treatment or short stay in the hospital almost certainly mean eventual bankruptcy or, at the very least, long protracted battles with billing department and collections agencies.
Consider that New York has a total population of over 19-million and of which, approximately 13% are uninsured and almost half-a-million are under the age of 18 (Source: US Census Bureau). If you’re one of those unfortunate residents who need affordable XXXX health insurance for you and your family, IndividualHealthInsurance.org is here to help.
We’re ready to help put you in touch with top New York health insurance providers who will provide free, no-obligation quotes. Having a health insurance policy to at least cover basic emergency medical expenses or routine care may be the difference between a short stay in the hospital and forfeiting your retirement savings. Some states also extend coverage to include disability and long-term care.
New York Individual Health Insurance
When you apply for New York individual health insurance, the company’s underwriter will review your health situation when deciding whether to approve your application.
You will first need to fill out a detailed questionnaire pertaining to your lifestyle choices including smoking and alcohol consumption, as well as family history. Upon review, the underwriter will determine whether to grant coverage. You may not necessarily be denied; rather they may attach a rider to your policy, which typically excludes coverage of pre-existing conditions for a short time or the life of the policy.
Other New York health insurance companies might place a waiting period on pre-existing conditions regardless whether there is a rider on the policy. Always read through the plan’s finer details to ensure you completely understand what your individual health insurance covers and what it doesn’t.
New York Group Health Insurance
New York group health insurance is available to full-time employees who work in companies of two to fifty. Usually New York group health policies aren’t available if you work part-time or work outside the provider’s service area. Those who are eligible receive coverage no matter their health condition.
Also, unlike individual health insurance, New York group health insurance has no waiting period unless the employer implements one. Employers may also offer a range of coverage options, which may include varying deductibles, co-payments, or co-insurance.
Make sure you read through your plan choices carefully so you can choose one best suited to you. If only once plan is available, understand what is covered and what is not so when medical care expenses arise, you know exactly what to expect.
New York COBRA Insurance
New York COBRA coverage is available to anyone working in a company of twenty or more. If you are between jobs, you can apply for New York COBRA coverage for up to eighteen months as long as you meet certain eligibility requirements. Disabled persons can usually extend coverage to twenty-nine months. Dependents who are eligible may receive coverage for up to thirty-six months.
COBRA is simply an extension of your previous New York group insurance policy and remains in effect if that policy is current. If your former employer cancels your policy, COBRA too will end.
As always, if you are on your employer’s plan or COBRA, you should review you policy now to make sure you have the coverage you need.
Peace-of-Mind is only a Few Clicks Away
When it comes to finding affordable New York health insurance knowledge is power. Now that you’re better equipped to deal with the various types of health insurance out there, you can make a decision that is going to benefit you and your family. Those who don’t have New York health insurance coverage can fill out IndividualHealthInsurance.org’s free, no-obligation form and receive their complimentary New York health insurance quotes.
Get started today on your peace-of-mind and protect your future with IndividualHealthInsurance.org!
