There are several vehicles that you may use to obtain health insurance coverage. New York Health Insurance thinks that by knowing the basics about health insurance, you are more apt to make a better choice for yourself and your family when you are seeking to obtain coverage. If being an informed consumer sounds like a good idea for you, read on.

Individual Health Insurance in NYS

Individual health insurance coverage in New York State is pretty unique as it’s one of the few states in the US that does not allow for coverage to be decline because of a prior medical issue or condition. Also, insurers are also obligated to provide coverage for your entire family if you so request. Because of HIPPA (Health Insurance Portability and Accountability Act), workers and their families are guaranteed continuation of coverage even if they lose their jobs or switch employers.

Coverage cannot be discontinued due if you become ill and if you plan on seeking health insurance and have a pre-existing condition, your background can only be reviewed as far back as six months with the maximum exclusion timeframe of one year. Finally, premiums are set by way of community rating.

Group Health Insurance in NYS

While group health coverage is generally similar to individual new york health insurance coverage, employers may employ the use of a waiting period (generally 90 days) for the main reason of making sure that the new employee remains gainfully employed with said company.

Small Business Health Insurance in NYS

Small businesses having at least two but not more than 50 employees cannot be denied group health coverage in New York State. Also, an existing small business health insurance contract cannot be terminated because an employee(s) have an illness. There are also programs in place to assist small businesses with lower-paid workers the opportunity to obtain insurance coverage.

Other Health Insurance programs in NYS

Besides the aforementioned programs, the following programs are also offering in New York State, in addition to many others.

• Child Health Plus
• Medicaid
• Family Health Plus
• Early Intervention Program
• WIC (Economically priced foodstuff for women, babies and children.)
• Medicare
• Prenatal Care Assistance Program

Tags: New York Health Insurance, New York Health Care, Small Business Health Insurance