Individual
Health Insurance in New York (NY)
The Empire State is home to more than 19 million people and every year almost a quarter of a million new babies join the population. Unfortunately, 14 percent of New York residents are walking around each day without health insurance. That's the bad news. The good news is that it's easy to find a health insurance policy to fit your specific needs and family budget.
New York Health Facts
A lack of health insurance hurts New Yorkers who aren't even here yet: 23 percent of mothers-to-be in the state did not get the prenatal care they needed. As a result, there are more than 20,300 babies born with a low birth weight each year, about 8 percent of all newborns. Another 11 percent are born prematurely and only 82 percent get the immunizations they need to stay healthy. Fifteen percent of New Yorkers between the ages of 10 and 17 are overweight and 31 percent didn't get to both the dentist and a doctor last year. The most basic of health insurance policies would take care of most of these issues with a minimal cost.
New York Health Insurance Needs
Adult New Yorkers would benefit greatly from regular health care covered by health insurance. Eight percent of adults have diabetes, almost 14 percent have asthma, 56 percent are overweight or obese and 20 percent smoke. All of these conditions can quickly add up to serious diseases and life threatening illnesses. Don't gamble with your health, get a free quote for health insurance today.
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Health Insurance Laws in New York
New York law does not allow insurance companies
to deny you coverage if you have a health problem. The state
regulates HMO and POS plans. Pre-existing conditions can be
temporarily excluded for a maximum period of 12 months. Pregnancy
qualifies as a pre-existing condition, but can only be excluded
for a maximum of 10 months. There are regulations limiting
premium prices. The state prohibits cancellation of your policy
if you become sick.
Individual Health Insurance Companies
in New York
Aetna
Blue Cross and Blue Shield of Western
New York
Empire Blue Cross Blue Shield
Group Health Incorporated (GHI)
Guardian
Health Net
HIP Health Plan of New York
Oxford Health Plans
UnitedHealthcare
Univera Healthcare
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