Need New York Health Insurance Quotes?

Purchasing health insurance in New York is an important matter and as such, it deserves significant thought and consideration. Several factors may affect your decision regarding the type and amount of health insurance that you choose to purchase. Regulations regarding health insurance vary from one state to the next. Be sure to consider the following facts, when considering the purchase of New York health insurance.

New York insurance companies have heavy regulations imposed on them for consumer protection. For an insurance company, wading through the list of rules can be a daunting process.

As with other states, most of those with insurance have group membership with their employer’s plan. Even with rising costs, group plans still offer members the best premium and coverage.

New York private insurance companies cannot deny health coverage to anyone, regardless of health. Family policies must be offered if you desire this type of policy. New York law states that you cannot be refused insurance coverage based on your health, age, or any other factor. Insurance companies are not allowed to rate your insurance coverage based on health, age, occupation, or gender.

Individual policies offer automatic dependent coverage up to 30 days for newborn and adopted children. Dependents with handicaps over age 18 can still receive coverage under their parents’ policy. Insurance companies sometime place elimination riders on insurance policies to exclude a certain health condition permanently. New York does not allow insurance companies to place these riders on policies.

Additional Resources for New York Health Insurance: