How Can I Obtain New York Health Insurance?
If you live in the city of New York you may have already heard about the “Healthy NY” program. However, not everyone is going to be eligible for that coverage. This leaves us to question what those who are not should do. First of all there are dozens, if not hundreds of insurance agents in New York. Oftentimes purchasing private health insurance is not quite as expensive as one may think. For example, if you are a young, healthy and a non-smoker you could find very competitive rates. Additionally, your job just might have a group plan you can enroll in for a minimal amount of money.
There are also many New York state programs such as Medicaid that caters specifically to low income families and individuals. There are income guidelines that must be met in order to qualify for this type of health insurance. In addition, this is the lowest form of health insurance as only the bare minimum is covered and there are not as many options as there would be with private health insurance. However, unlike many other states that only allow coverage to adults with minor dependents or serious, life threatening disease, New York’s Medicaid program does accept adults, with or without dependents, between the ages of 19 and 64.
There are also programs through New York state that are designed for elderly people over 65. While using a state Medicaid program may not be the best route to go in terms of treatment, it is certainly much better than being without any coverage. Unfortunately, because of the income and expense requirements, many people fall through the cracks and cannot gain approval. These people make too much money to qualify for New York state health insurance but they do not make enough for private health insurance.
To find out more about the different options New York offers in terms of health insurance it is best to contact an insurance agent or use one of the many websites which have been set up to help people find the right kind of medical coverage, according to their needs.