Healthy NY: Possible Alternative for Affordable New York Health Insurance
You undoubtedly want affordable medical insurance in New York for yourself and, if applicable, your spouse and children. That’s why EZQuoteGuide.com offers free online health insurance quotes and tips to help you save money on health coverage. In New York, however, you can also find inexpensive medical insurance through a special program, if for some reason you can’t obtain it through an employer or a private insurer.
This “special program” is called Healthy NY. The program was introduced in 2000, thanks to the Health Care Reform Act, and it’s designed to help three groups of people obtain comprehensive medical coverage.
Health insurance companies consider pre-existing conditions to be any
health conditions for which you have been treated during the six months
prior to applying for low cost health insurance benefits. During those
six months, if your doctor or other health care professional recommended
treatment for a condition, that condition is also considered a
pre-existing condition regardless of whether or not you actually
obtained treatment for the condition.
- Small business owners who want to provide their employees with health coverage but can’t afford it.
- Employees who work for companies that don’t offer medical benefits.
- Sole proprietors or self-employed individuals.
Residents can find affordable medical coverage in New York via the Health NY program from any health maintenance organization (HMO) in the state. One health insurance package includes some degree of prescription medication coverage, and the other package includes no drug coverage.
Each package offers the following coverage:
- Doctor appointments and services
- Services and information for preventative health care
- Maternity care
- Inpatient and outpatient hospital care
- X-ray and diagnostic care
- Emergency room care
The Health NY eligibility criteria depend on what group of individuals the applicant falls into: small business owners, employees without a medical benefits package option, and self-employed persons. If you decide to apply for Health NY, talk with your health insurance agent or the New York State Insurance Department about where you stand as far as criteria is concerned.
Take time to browse the EZQuoteGuide.com tips to help you save money on health coverage in New York, and then apply for your free online health insurance quote. And remember: If you can’t obtain medical insurance through an employer or private insurer, contact the New York State Insurance Department and apply for Healthy NY.
Low Cost Health Insurance Alternatives