Cheap New York Health Insurance
Whether you live near the natural power of Niagara Falls or close to the grace and beauty of the New York City Ballet, New York is a wonderful state to live in. But New York is not just unique because of it’s amazing sights. Its health insurance is unique as well. You should know what health insurance choices are available to those living in the Empire State.
The Regulations of Cheap New York Health Insurance
All New York citizens have the right to have health insurance. However, if you have not had insurance for 63 days or more, there might be an exclusion period for any pre-existing conditions. You also have the right to be treated in an emergency room in the case of an emergency whether or not you have health insurance. Public hospitals and some clinics are also required to provide non-emergency treatment to those without health insurance. Even if you receive treatment, you may be faced with high medical bills. You should not choose to go without cheap New York health insurance. Even basic medical expenses such as doctor’s visits, prescription medications, routine testing, and dental visits would be very high expenses if you did not find a good health insurance plan.
The Choices for Cheap New York Health Insurance
There are three good options for finding affordable health insurance in New York. You might qualify for government health care programs. Medicare is available for those 65 and older as well as the disabled. New York also has a child insurance program called Child Health Plus to cover the medical expenses of those under the age of 19 who are uninsured. The state also has other programs in place to help others who cannot get cheap New York health insurance, such as Healthy NY, a program designed to provide affordable insurance to small businesses and others who don’t qualify for other programs. Residents who are not eligible for a New York state sponsored insurance program have two options: employment-related insurance and private insurance.
Employment Options for Cheap New York Health Insurance
One of the most common options for health care for people under the age of 65 is through their employer. This can be a very affordable way to purchase health insurance, because the employer often takes on some of the health insurance costs. This kind of insurance is also known as commercial or group health insurance. Health insurance through an employer is also ideal for those with pre-existing conditions, because coverage usually begins immediately or after 90 days on the job. If you are going to be changing jobs, you can often use COBRA to extend this group insurance for a year or longer. COBRA is often not the cheapest health insurance, but it is not always as expensive as purchasing a private insurance policy.
Private Options for Cheap New York Health Insurance
Private insurance in New York is full of options. The two basic types are HMO plans and POS/PPO plans. If you are looking for cheap New York health insurance, an HMO plan might be perfect for you if you are willing to be flexible on the doctors that you see. If you have specific doctors that you would like to stick with, then you might prefer a POS/PPO plan, even though it is a bit more expensive. The trick to finding an affordable private insurance policy in New York is finding the balance between a low deductible and a low premium. Choosing a higher deductible will greatly reduce your monthly premiums, but it also requires you to pay more out of pocket before the insurance company will step in and cover your medical expenses.
If you would like to find an affordable New York insurance policy, we would love to help you. Just enter your zip code at the top of this page and we will give you a free New York health insurance comparison quote today so that you can find the right insurance plan for you.