Get the Coverage You Need
Like it or not, insurance premiums in the United States are expensive. In the state of New York, they are even more expensive. However, you really do get what you pay for. In New York, we have many of the best hospitals in the world. A prime example of this would be Sloan-Kettering for cancer treatment. We also have well as Colombia and Cornell New York Presbytarian– well-known for organ transplants.
This is actually great news for people with preexisting conditions such as pregnancy and cancer. In fact, you can get an insurance policy that will cover these conditions– saving you a lot of money in the long-run. However, finding policies like these are not easy to come by because of the higher risk implied by such conditions.
Our company handles many of these cases on a day to day basis. If you have any of these unique situations, don’t hesitate to call, email.
Under 30 Years Old? You Can Get Health Insurance for ~$170/month!
Catastrophic health insurance is a type of medical coverage under the Affordable Care Act. This is a type of high-deductible health plan for people under 30 or those who qualify for a “hardship exemption.”
Catastrophic plans are designed to protect you in a worst-case scenario; for example, if you get into a medical emergency and your medical costs total thousands of dollars. Monthly plan premiums tend to be lower, but you’ll generally need to pay for all health-care costs out of pocket until you reach the plan’s annual deductible, which is usually at least a couple thousand dollars.
Group Health Insurance
In the state of New York, most group health plans are standard. Below is a table of the different standard rates for companies like Emblem, Oxford, Healthfirst, Oscar, and BCBS. While these rates don’t change, all the plans differ in what they cover. Learn more about Group Health and view this quarter’s rates.
If you’re turning 65 and would like to learn more about Medicare, we have a complete guide on our Medicare website. There, you can find an explanation Medicare Parts and find out how and when to enroll. We’re also happy to help walk you through the process if you have any questions. To contact us directly, send us an email, or call.
Traveling with Pre-existing Conditions
If you have or used to have a chronic medical condition, you may be worried about not getting insurance coverage. That’s where having a broker like us can help. Regardless of your health, we will do our best to find you your best coverage option. We shop many insurance companies to find the coverage you need at a rate you can afford. Find out how to make travel plans and buy insurance when you have a pre-existing condition.