Health insurance can be confusing, complicated and difficult to understand. Finding and getting affordable health insurance isn't easy. If you have low income, help may be available to you through state and public programs if you cannot afford private health insurance.
topics: affordable health insurance in New York: New York Health Insurance Plans: Affordable Health Insurance, Low Cost Health Insurance through state insurance programs; COBRA; Unemployed, Uninsured
source:New York State Insurance Department languages: English from the web page: "...The Healthy NY program is designed to assist small business owners in providing their employees and their employees’ families with the health insurance they need and deserve. In addition, uninsured sole proprietors and workers whose employers do not provide health insurance may also purchase comprehensive coverage directly through the Healthy NY program..."
also from New York State Insurance Department / Healthy NY: brochure: Healthy NY Benefit Package languages: English from the brochure: "Services Covered by Healthy NY... Co-Payments... Services Not Covered by Healthy NY...
web page: High Deductible Health Plan Option languages: English from the web page: "Healthy NY now offers a high deductible health plan for small employers, sole proprietors and individuals who meet the eligibility requirements of Healthy NY. This new option allows those insured by a high deductible health plan to establish a tax-deductible health savings account...
source:City of New York, Health and Hospitals Corporation (HHC) languages: English from the web page: "MetroPlus provides low or no-cost health insurance to eligible people living in Manhattan, Brooklyn, the Bronx and Queens through the following plans..."
also from City of New York, Office of Citywide Health Insurance Access: web page: Private Health Insurance Options languages: English from the web page: "How to Buy Health Insurance... Why is Health Insurance Important? Small Businesses... Individuals and Sole Proprietors... "
source:New York State Insurance Department 39 pages; languages: English from the brochure: "...The purpose of this Guide is to: Inform you of the health insurance products offered in New York State and how they work.... Help you choose a health insurer... "
source:City of New York, Health and Hospitals Corporation (HHC) languages: English from the web page: "The Brooklyn Chamber of Commerce, in partnership with Group Health Inc. (GHI), an EmblemHealth company, and the New York State Department of Insurance, is pleased to offer Brooklyn HealthWorks – a low-cost health insurance plan for small businesses and other small employers located in the borough of Brooklyn... "
also from Brooklyn HealthWorks: web page: Brooklyn HealthWorks Eligibility languages: English from the web page: "...Is your business located in Brooklyn (Kings County, NY)? [You must answer “yes” to qualify.]... "
web site: Healthcore: A Healthy NY Initiative languages: English from the web site: "Healthcore is an initiative of Healthy NY, a program of the New York State Insurance Department. The Healthy NY Program provides more affordable health insurance coverage to working individuals, sole proprietors, and small businesses throughout New York State... "
also from Human Resources Administration of The City Of New York: web page: Private Health Insurance Options | Options languages: English from the web page: "Small Businesses
... Individuals and Sole Proprietors...
web page: More Info languages: English from the web page: "Where Can I Get More Information...
New York Health Coverage Tax Credit (HCTC) Program
source:Internal Revenue Service | United States Department of the Treasury languages: English from the web page: "...two separate lists of state-qualified health plans for the state of New York, each serving a different purpose. Please review the information under each heading to determine which list is most appropriate for you..."
also from Internal Revenue Service | United States Department of the Treasury
: web page: HCTC: The Yearly HCTC languages: English from the web page: "...With the yearly HCTC, you pay your health plan premiums in full and then claim the credit on your tax return. The credit is refunded or applied as a credit toward you year-end taxes. This page provides general information on how the yearly HCTC works..."
source:The New York Medicaid Project languages: English from the web page: "...Children's Medicaid in New York; Children's Health Care: All Kids and FamilyCare... "
Insurance for Pre-Existing Condition, Chronic Medical Problem Coverage
source:HealthCare.gov - U.S. Department of Health & Human Services languages: English from the web page: "...Eligible undefined residents of New York can apply for coverage through the state’s Pre-Existing Condition Insurance Plan program run by Group Health Incorporated..."
source:NY Bridge Plan 6 pages; English from the brochure: "...NY Bridge Plan is New York State’s Pre-existing Condition Insurance Plan (PCIP), providing individual coverage to eligible New Yorkers with a preexisting health condition who have not had health coverage for at least six months. Once a person is enrolled, there is no waiting period and coverage for medical services begins immediately. This program is administered by Group Health Incorporated..."
also from NY Bridge Plan: web page: Coverage & Benefits languages: English from the web page: "...The NY Bridge Plan covers a broad range of services, including primary and specialty care, inpatient and outpatient hospital care, and prescription drugs, as well as assistance from professional nurses and caseworkers to help members manage chronic conditions and maintain overall health..."
source:American Diabetes Association languages: English from the web pages: "The following information details health insurance and assistance programs available to uninsured people in New York..."
source:Kaiser State Health Facts languages: English from the web pages: "...Has High Risk Pool Program Yes 34... Pool Open Only to Medically Eligibles No 3... Pool Open to HIPAA Eligibles ... Pool Open to Medically Eligibles..."
source:New York State Insurance Department languages: English from the web page: "...This new program is called the Pre-Existing Condition Insurance Plan (PCIP) and will be available throughout the country. In New York State, the PCIP plan is called the NY Bridge Plan, and is administered by Group Health Incorporated (GHI), an EmblemHealth company..."
"...If you are seriously ill and/or are a caregiver of someone who is ill, this site will provide you with the comprehensive insurance information you need. New York State residents, now more than ever, have quality health insurance options and the power to obtain affordable coverage and determine their medical treatments..."
source:New York State Insurance Department languages: English from the web page: "...Does my employer have to offer me the opportunity to elect continuation of my health insurance coverage?
... Who is a qualified beneficiary?... What benefits are available under COBRA?... "
"...Health insurance is a very important protection for you and your family. Aside from providing coverage for services related to an existing illness or a sudden, unexpected illness, it may also provide coverage for important preventative care to detect illnesses before they become serious. Since many families obtain their insurance coverage through an employer, it is important to know your insurance options should you become unfortunate enough to lose your job..."
source:Georgetown University Health Policy Institute languages: English from the web page: "...If you are leaving your job and you had group coverage, you may be able to stay in your group plan for an extended time through COBRA coverage..."
source:Physicians News Digest languages: English from the web page: (warning: may be out-of-date)"...Some of the most confusing legislation in the HR arena is the Consolidated Omnibus Budget Reconciliation Act (COBRA). Passed by Congress in 1986, this law provides continuation of group health coverage that might otherwise be terminated when an employee leaves your practice..."
New York Health Insurance: Basics; Consumer Guides to Health Insurance IL
source:New York State Insurance Department languages: English from the web page: "Health insurance is very important. It protects you and your family from a potentially catastrophic financial loss from a major illness. Studies have shown that one of the leading causes of personal bankruptcy is medical costs..."
also from New York State Insurance Department: web page: Health Insurance Programs in New York State languages: English from the web page: "Child Health Plus... Family Health Plus ... Healthy NY ... Prenatal Care Assistance Program (PCAP)... Medicaid... Elderly Pharmaceutical Assistance Program (EPIC)... Medicare ... Breast and/or Cervical Cancer Treatment Program ... HIV Uninsured Care Programs... HIV Special Needs Plans..."
source:Georgetown University Health Policy Institute file size: 42 pg.; languages: English from the brochure: "...Help is available to certain low-income residents of New York who cannot afford to buy health insurance. Medicaid, Child Health Plus, Family Health Plus, and Healthy New York offer subsidized health insurance coverage, direct medical services or other help at little or no cost to you..."
source:Foundation for Health Coverage Education 2 pages; languages: English, Spanish from the web page: "...hand-held guide available that outlines your state’s (New York) public and private health care choices for individuals and groups in almost every demographic profile, as well as offers a reference list of phone numbers and Web sites..."
source:CoverTheUninsured.org file size: 9 pg.; languages: English from the brochure: "...…there are programs that provide health insurance to some people who cannot afford to buy it on their own. You or your family members may qualify, even if you work. However, these programs have income and asset limits. In New York, the main programs are Medicaid, Family Health Plus, Child Health Plus and Healthy NY...."
source:New York State Department of Health languages: English, Spanish from the web page: "...Breast Cancer: To be eligible for Medicaid coverage for the treatment of breast cancer or pre-cancerous breast conditions under the MCTP, applicants must be..."
also from New York State Department of Health: brochure: Women's Health Programs in New York State 48 pages; languages: English from the brochure: "New York delivers a wide array of women’s health services throughout the state, recognizing that improving and sustaining access to high-quality, continuous primary and preventive health care and treatment services are critical to eliminating disparities in health outcomes
and to achieving public health priorities...."
source:New York City Department of Health and Mental Hygiene languages: English, Spanish from the web page: "...the following sites in New York City offer free mammograms to qualified uninsured persons all year round, through the New York State DOH Breast Cancer Program..."
source:City of New York, Office of Citywide Health Insurance Access languages: English from the web page: "Community Health Care Centers provide comprehensive and cost effective primary care and supportive services that promote access to health care. These centers accept health insurance and also provide services to the uninsured on a sliding fee scale..."
also from City of New York, Office of Citywide Health Insurance Access: web page: Department of Health and Mental Hygiene Clinics languages: English from the web page: "The Department of Health and Mental Hygiene offers individuals and families free health services including immunizations, sexually transmitted disease testing, tuberculosis services, and flu shots. There are no income or immigration status requirements to receive these services. The clinics are open to the general public..."
source:City of New York, Health and Hospitals Corporation (HHC) languages: English from the web page: "Through HHC Options, low and moderate-income HHC patients can get affordable healthcare. HHC helps patients apply for public health insurance programs for which they may qualify. If a patient is not eligible for public insurance, we reduce the patient's fee to an affordable amount, based on family size and income..."
source:New York State Department of Health languages: English from the web page: "The NYS Department of Health's AIDS Institute has established four programs which provide access to free health care (HIV Drugs, Primary Care, Home Care, and APIC) for New York State residents with HIV infection who are uninsured or underinsured. The four programs use the same application forms and enrollment process..."
source: National Association of Community Health Centers (NACHC) languages: English from the brochure:"Community, Migrant, and Homeless Health Centers are non-profit, community-directed providers that remove common barriers to care by serving communities who otherwise confront financial, geographic, language, cultural and other barriers."
also from National Association of Community Health Centers (NACHC): web page: Find a Health Center languages: English from the web page: "If you need affordable health care, a Community Health Center may be what you're looking for... Click here to find the health center closest to your address or to see a list of health centers in your state or county/parish..."
"Federally-funded health centers care for you, even if you have no health insurance. You pay what you can afford, based on your income. Health centers provide
•checkups when you're well
•treatment when you're sick
•complete care when you're pregnant
•immunizations and checkups for your children
•dental care and prescription drugs for your family
•mental health and substance abuse care if you need it..."
source:City of New York, Office of Citywide Health Insurance Access languages: English from the web page: "information for individuals and families who may not be eligible for public health insurance programs, yet have limited resources. You can find out about additional health care access resources and other available public benefits..."
also from City of New York, Office of Citywide Health Insurance Access: brochure: Connecting New York City’s Uninsured to Coverage languages: English from the brochure: "This report summarizes the City and State programs and administrative policies that have served as a foundation for New York’s dramatic expansion in public health insurance enrollment. It analyzes four common principles ..."
source:New York State Department of Health languages: English, Spanish from the web page: "...EPIC is a New York State program that helps seniors pay for their prescription drugs. More than a quarter million EPIC enrollees are saving an average of 90 percent of the cost of their medicines..."
also from New York State Department of Health: web page: EPIC Plans languages: English from the web page: "Fee Plan... Deductible Plan... Co-payments..."
source:New York State Insurance Department languages: English from the web page: "Senior Citizens Index... Medicare and Health Medicaid
Long Term Care General Assistance Other New York State Agencies..."
source:New York State Office for the Aging languages: English from the web page: "HIICAP educates the public about Medicare, Medicaid, managed care, EPIC, and other health insurance options and issues..."
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