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New York Health Insurance

New York health insurance is easy to find, but you have to be able to choose it wisely in order to get the best coverage at the best price.  In New York, health insurance is regulated to help ensure that you get good and fair coverage.  When you are shopping for health insurance you have to take advantage of the benefits you get under New York law.  Use the information below and the handy quote tool above to find NY health insurance that is affordable and practical.

New York Health Insurance Laws

New York law has some certain requirements for HMO insurance policies.  Under the law the HMO provider must allow you access to information about your policy, coverage and the company.  

Laws also stipulate that they provide you with basic coverage, including:

  • women’s health care

  • prenatal and post natal care

  • emergency care

New York laws are set up to help ensure that you are not taken advantage of by the insurance company and that you get the coverage that you deserve under your policy.  Since HMO’s are the largest type of health insurance coverage used in the state, these laws help to ensure that most people are well covered under their insurance policy. If you have any specific questions about a NY health insurance law then be sure to do some research at the New York Department of Insurance.

Of course, other options like PPOs, POS plans and traditional plans are still available. To determine which is right for you, you will need to evaluate your need for provider choice against what you are able and willing to pay.

Basic Coverage Under A New York Health Insurance Policy

When shopping for NY health insurance and considering policies you need to think about the different factors that make up a policy.  You want to ensure that the policy will offer you all the coverage that you need.

There are some basic coverage options that you will get from almost all policies.  You will get coverage for doctor’s visits and general health care.  Additionally, you will get coverage for emergency room visits.

Other coverage options, though, are not always included in a policy.  You will want to look for prescription coverage, hospitalization and optional coverage options like dental and vision and maternity.  These things may cost you extra, but if you need them, then adding them to your policy will be beneficial.

New York Health Insurance FAQ’s

Choosing the best NY health insurance policy is something that takes some thought.  You really need to consider your options and make sure that you are getting the right coverage.  Here are some frequently asked questions about choosing a health insurance policy in New York:

  1. How do I choose a deductible?  You should choose a deductible that makes sense in comparison to how much you can afford and how much you will spend on health care.  You do not want a deductible so high that you will never reach it, but at the same time you do not want one so low that it raises your monthly premium.

  2. Should I buy optional coverage?  Some optional coverage includes dental and vision.  Typically a person will need to visit the dentist two times per year for checkups and cleanings.  These visits are generally not too expensive and the cost of the extra coverage may not be worth it.  However, if you need extensive work done, that would make the optional coverage worth it.  Basically you need to choose optional coverage if you feel it would be justified based on how much care you usually require.

  3. How do I choose the best NY health insurance company?  You want to choose a company that is reliable and that you feel comfortable with.  You have to be able to trust that your insurance company will pay their bills and be able to honor your policy. Independent auditors like A.M.Best may be a good place to start.

How To Find Cheap New York Health Insurance

Saving money on your NY medical insurance is something that you will want to think about when buying a policy. 

  • You can save money through shopping around and getting different quotes from companies.

  • You can also save money through choosing different options on your policy.

  • You can make your monthly premium lower by choosing a high deductible. 

  • You can also lower your monthly cost by choosing less coverage and higher co-pays. 

You have to think about your overall costs, though.  You want your out of pocket costs to justify the lower premiums.  You can figure your costs by determining the amount you usually spend on health care.

If you don’t already track your yearly medical expense- start now! You may discover a HSA (health savings account) is a great way to save tax dollars. Just remember, you want to make sure that your insurance coverage is affordable, but also that it is adequate.

New York Small Business Health Insurance

The Healthy NY Program is a New York State run program that is geared towards providing affordable New York health insurance to small business owners, their employees, and their families.

New York Health Insurance Companies

Aetna

Blue Cross Blue Shield of Western New York

Blue Shield of Northeastern New York

Capital District Physician’s Health Plan

Empire Blue Cross Blue Shield of New York

Excellus Blue Cross Blue Shield

GHI

Health Insurance Plan of New York (HIP)

MVP Health Care

Oxford Health Plan

Vytra

New York Health Insurance Quotes

You can begin shopping around and saving money on your New York health insurance by getting quotes. 

Use our quote tool above to get a range of NY health quotes from top health insurance companies quickly and easily.

Get started finding NY health insurance today!