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New York's nickname is the "Empire State". The Affordable Health Insurance  plans in New York, Low Cost NY Health Insurance quotes, Cheap Health Insurance New York, Health Insurance in New York, New York Health Insurance Quotes, Affordable NY Insurance companies, Health Insurance NY.

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Affordable New York Health Insurance Plans with Quality Health Insurance Companies in NY can be found below. To get a low cost NY health insurance plan get a quote.

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Your Rights under New York Health Insurance Law

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If you are an individual seeking New York health insurance for yourself or family, you cannot be turned down for health reasons or pre-existing conditions. New York health insurance companies cannot charge you more if you have pre-existing conditions or because of your age, gender or status. This limits the number of Insurance companies willing to offer New York State health insurance. The rates are high for those remaining because of the cost to cover the high risk individuals. This is in contrast to states that provide other methods for insuring high risk individuals.

If you are considered low income you may qualify for New York health insurance with one of several programs available.

  • The New York Medicaid program provides free coverage for low income families with children, elderly, disabled and pregnant women.

  • Health New York provides low cost New York Health Insurance to uninsured working individuals and small business owners.

  • The New York Family Health Plus program provides either free or subsidized New York health insurance for uninsured children and eligible uninsured families and individuals. You can call them at 1-866-432-5849

Your New York Health Insurance policy cannot be cancelled because you get sick.  New York Health Insurance companies must renew your policy as long as the premium payments are paid up to date and the questions on the original application were answered truthfully.

Group health insurance in New York must accept all pre-existing medical conditions with the following provisions. A New York Health Insurance Company can impose up to an 18 month waiting period for pre-existing medical conditions if the employee was not previously covered under another plan within the previous 63 day period. If a pre-existing condition was diagnosed or treated within the "Look Back Period" (6 months) the New York health insurance companies can impose up to a one year exclusion period for that condition. As per the Federal HIPAA act of 1996, groups of 20 or more employees must provide New York health insurance through the COBRA program to separated employees or dependents of employees if divorce or death occurs.  You cannot be charged more than 2% higher than the actual premium for the COBRA coverage. No pre-existing exclusion period can be applied by a New York health insurance provider without appropriate written notice.

Newborn children and legally adopted children must be covered for the first 31 days under either the father's or mother's New York health insurance policy as per federal law.  Coverage will not continue if the child was not added to the policy by the parent prior to the 31 days expiring.  Because of this, New York Health Insurance companies offering individual health insurance policies will not cover an expectant parent even though they may not be married or the New York health insurance company does not include maternity. 

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Why Should You Buy New York Health Insurance?

The cost of health care has risen drastically over the past few decades. If you do not have New York medical insurance to help pay bills, a serious injury or illness can be financially devastating to you and your family.  The most recent studies on bankruptcy show that approximately 50% of all personal bankruptcies are due to serious illness.  Even if you are ill for only three to six months the bills for New York health care can total from $30,000 to $200,000 and much more in some cases. If you don't have New York health insurance coverage you can be exposed to high health care bills; or, if you have too little or the wrong kind of coverage, you won't have enough protection. Add this to the bills you were unable to pay while unemployed and it is easy to see how bankruptcy occurs.

What To Look For When Buying New York Health Insurance

  • Be sure you feel confident working with the New York Health insurance agent and company you choose. It is a good idea to contact the New York state insurance department and check that the agent and the company you are working with are licensed to sell insurance in New York.

  • Learn what kinds of New York Health Insurance policies will provide what you need and pick the one best for you. For tips on what questions to ask go to our list of Important Questions when buying Health Insurance. Don't hesitate to shop around and ask a lot of questions.

  • Do not sign an application for New York Health Insurance until you review it carefully to be sure the answers are complete and accurate. Make sure that the word insurance is actually used and that there is no disclaimer stating that, This product is not insurance, nor is it intended to replace insurance. There are hundreds of insurance scams occurring around the country offering coverage for $50 to $130 to cover the whole family. Don't get caught in a scam. If it sounds too good to be true, its too good to be true.

  • When you buy an New York Health Insurance policy, make the check payable to the company, not the agent. Always pay by check or money order, and write your policy number on the payment. Do not give the agent your bank account number for automatic withdrawals until you have verified  the agent and New York Health Insurance company background information.

  • Ask for a receipt for all New York Health Insurance payments. The receipt should include your policy number, the date of payment and the name of the New York Health Insurance Company.

Tips for Avoiding Fraudulent New York Health Insurance Plans

  • The best tool for avoiding fraud is your phone. Call your New York Health insurance department and find out whether the insurance agent and New York Health Insurance company are licensed in the state.

  • Fraudulent plans are most often sold through direct mail solicitations, fax, radio ads or over the Internet, so be especially wary when responding to these solicitations.

  • If an New York Health Insurance policy costs far less than what other companies are charging, this could be a warning sign. Its a good thing to comparison shop, but if a policy is significantly cheaper, beware. If it sounds too good to be true, it probably is.

  • Beware of an New York Health Insurance agent or company that:

    • Refuses to provide proof of state licensure.

    • Insists on cash payments or automatic withdrawal.

    • States this is a one-time deal or your "last chance for special savings."

    • Boasts that the coverage is available to anyone, regardless of history or risk.

    • Verbally states something is covered without showing you the details in a company publication.

    • Tells you no other company provides this coverage or that the only other company is much more expensive.

    • Tells you they can sell you any company but only has company publications for one company.

If you want to check the status of any company you can do so through the New York State Insurance office at http://www.ins.state.ny.us/ or the National Association of Insurance Commissioners (NAIC) at  http://www.naic.org

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We provide Affordable Low Cost NEW YORK HEALTH INSURANCE, NEW YORK DISABILITY INSURANCE and NEW YORK MEDICARE SUPPLEMENTS. We have many companies for New York Small Business Health Insurance, Self Employed Health Insurance, Family Health Insurance, Individual Health Insurance and Disability Insurance.  We represent many different insurance carriers so our Agency and agents can provide the best value Health Insurance in New York available for individuals, families, self employed, group and small businesses.

 There are many choices for New York Affordable Health Insurance Plans. If you are looking for health insurance for an Individual, Family, self employed or Business there is a  Low Cost Health Insurance in New York health plan to fit your needs. Programs are available in Traditional, PPO, POS, HMO, HSA's (Health Savings Accounts) or for Catastrophic occurrences. You can use the instant quote buttons to get quotes from multiple insurance carriers and programs. We provide you with health insurance quotes from multiple New York Health Insurance companies. We help you choose the health insurance company and health insurance plan that best fits your needs. If you are looking for Health Insurance for New York as an individual, family, small business, group or are self employed we can find an  Affordable Health Insurance in New York healthcare plan to meet your budget.

For New York Short Term Health Insurance or Temporary insurance you can get a quote.  If you are traveling there is an instant quote button for travel insurance and international insurance.  If you have a non-resident relative visiting the U.S. they can get instant quotes and apply for insurance from their country by applying on line through the travel insurance and international insurance SRI button.

Where to find more information on New York Healthcare and Health Insurance

If you would like more information on healthcare you can go to the U.S Agency for Healthcare Research and Quality at http://www.ahcpr.gov/consumer/

For a complete review of New York Health Insurance guidelines for New York Individual Health Insurance, New York Group Health Insurance, Cobra guidelines and more you can go to the Georgetown University publication for New York. The publication is titled "A Consumers Guide to Getting and Keeping Health Insurance in New York" and can be seen at http://www.healthinsuranceinfo.net/ny.pdf

Allchoice, Inc. Insurance offers low cost  health insurance, healthcare plans, health savings account, high deductible plans, life insurance, medicare supplements and long term care with instant quotes. We serve the following New York communities;  Albany, Amherst, Auburn, Binghamton, Buffalo, Elmira, Hyde Park, Ithaca, Jamestown, Kingston, Lockport, Middletown, Newburgh, New York, Poughkeepsie, Rochester, Rome, Saratoga Springs, Schenectady, Syracuse, Troy, Utica, Watertown, Yonkers, and many more.

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