New York Health Insurance
New York HEALTH INSURANCE PROGRAMS
Family Health Plus - Family Health Plus is a public health insurance program for adults who are aged 19 to 64 who have income too high to qualify for Medicaid. Family Health Plus is available to single adults, couples without children, and parents who are residents of New York State and are United States citizens or fall under one of many immigration categories.
Common Health Conditions in New York
- HIV / Aids
- Stroke
- Asthma
- Cancer.
New York Health Insurance Regulations
Some of the most important New York health insurance laws are the ones that specifically influence the health insurance policy. First, New York requires that your policy contain a provision called the "guaranteed renewability" clause. This clause ensures that, at the end of your New York health insurance policy's term, you always have the option to renew your policy for another term. Another provision to be aware of concerns "pre-existing conditions," or medical conditions you suffer from or have suffered from or been diagnosed with before the effective beginning of the policy. By law, New York health insurance policies can only include a pre-existing condition exclusion period up to a maximum of 12 months. Medical conditions are considered to be pre-existing if you received medical treatment for or were diagnosed with them 6 months prior to the beginning of the plan. If you are switching New York health insurance and have had no breaks in your coverage, your old coverage can be used to credit the pre-existing condition period of your new plan. New York health insurance policies can not contain elimination riders, which eliminate coverage for certain conditions permanently. There are also two New York health insurance policy provisions that concern dependents. In New York, parents' individual health insurance policies that cover dependents also automatically cover newborns and adopted children for at least 30 days after birth or adoption. Also, dependents with handicaps that are over the legal age limit may still be covered under a parent's individual New York health insurance plan. New York health insurance companies that sell individual health insurance cannot refuse to sell you insurance and must provide family coverage, if desired. New York health insurance laws state that you cannot be denied health insurance due to your health status, age, or any other factor. Also, the cost of your New York health insurance premiums cannot be dependent upon your health, occupation, age, or gender. In New York, HMOs must offer a standardized New York health insurance policy that offers comprehensive coverage. Although your health insurance policy can be canceled for some certain reasons, New York health insurance laws prohibit health insurance companies from terminating your policy on the grounds of illness. Temporary New York health insurance is a wise purchase to make when you have breaks in between your health insurance coverage. The best option for temporary health insurance in New York is to buy a conversion policy. Applications for a conversion policy must be received no later than 45 days after the end of your previous New York health insurance policy. You are eligible for a conversion policy if you have left a fully insured group policy or if you have used up your COBRA continuation coverage. You can also qualify for a conversion policy if you lost your New York health insurance because you formerly were covered under your parent's New York health insurance policy
New York
New York State Department of Health, Corning Tower, Empire State Plaza, Albany, NY 12237
Website: http://www.health.state.ny.us/
Phone: 1-866-881-2809
