NY HEALTH INSURANCE

Whether you live in New York, Oregon, or Alabama, finding affordable health insurance is a dilemma many Americans face in current times. There are so many guidelines that apply to different scenarios and with so many companies changing the rules, it’s difficult to know what’s available to who and when, and many laws vary from state to state. In NY, health insurance must be offered to small company employees just like the larger company’s employees. As a small business proprietor, this means there are resources available for you to offer coverage at an affordable price and for employees, it means more employment possibilities.

NY health insurance laws presently requires the insurer to cover an insured individual and their family, regardless of previous health conditions. Also, as part of NY health insurance law, small group coverage must be made available to companies with between 2 and 50 employees. Participating in small group insurance is not required to get the best premium, which means coverage can be optional rather than mandatory. In most cases, this scenario works well with both the employer and the employee.

Though there are some NY health insurance laws and guidelines that are designed to protect consumers, you can’t depend solely upon them. It is your responsibility as both a consumer and a patient to educate yourself about the premiums and plans available to you. You should be able to competently compare the premium charges with the benefits and determine which plan or policy is best for your situation. If you and your spouse are offered health insurance, you will want to compare both of your offered plans’ premiums, deductibles and benefits closely.

If you fall into the self-employed category, you should know that there are many NY health insurance companies that offer individual, rather than group, coverage. You can contact any health insurance agency or broker to learn more, or you contact several of the larger health insurance companies directly. Typically, individual coverage consists of major medical emergencies and hospitalization. Additionally, you will want to secure a decent prescription drug coverage plan with your policy. Don’t forget that as a self-employed individual you might be able to deduct some or all of your insurance premiums from you taxes.

If you have been turned down for coverage or a NY health insurance company is denying or fighting a claim, you can contact any number of NY health insurance attorneys. Lawyers who specialize in dealing with the health insurance industry are very familiar with the laws that govern the insurers’ policies and plans. In most cases, an attorney won’t be necessary unless you were denied coverage for a large claim that should have been covered or were denied coverage based on an illegal or discriminating reason. Also remember that if you do not have health insurance available to you, you may qualify for state-administered, NY health insurance. Contact your local health department for more information.

Contact a NY health insurance agency or broker to learn more information about specific plans and coverages available to you or your small business. Ask to compare more than one plan based on premiums and benefits. Remember to ask your agent to clarify anything you don’t understand and be sure your agent is up to date on insurance laws in NY.