Learn the basics (1)
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Information on the NY Bridge Plan
Today New York began taking applications for it's insurance pool for uninsured high risk individuals, who are people with medical conditions that are expensive to treat. It is called the NY Bridge Plan. To be eligible you must be a citizen or "lawfully present", you must not have had creditable coverage for six months, and you must have one of an inclusive list of conditions. You can access the brochure with the list of pre-existing conditions and plan benefits. here. Click here for more information. Content Detail
COBRA (6)
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An Employee's Guide To Health Insurance Under COBRA
Pamphlet explaining right of employees to purchase group health insurance through their former employer's health plan for themselves and/or their dependents, in certain cases after employment is terminated. Content Detail
- Read this in:
- Spanish / Español
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FACT SHEET: COBRA Premium Reduction
Fact Sheet on 2009 Changes in COBRA -- Federal subsidy for 65% of cost of COBRA premium for some workers who lost jobs between September 1, 2008 and December 31, 2009. Content Detail
- Read this in:
- Spanish / Español
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Hard Times and Health Insurance: Staying Covered When You Lose Your Job
In response to the growing number of New Yorkers who risk losing health insurance coverage in the current troubled economy, this guide--the first to help New Yorkers understand how to benefit from the COBRA premium assistance enacted in 2009, and presents practical advice on state and federal protections, and how to exercise them. Content Detail
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Hard Times and Health Insurance: Staying Covered When You Lose Your Job - A Guide for New Yorkers
If you have lost your health insurance, this guide offers practical advice on state and federal protections. Content Detail
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What if I currently have COBRA coverage?
If you have COBRA continuation health coverage, you can keep it or decide to buy a Marketplace insurance plan. Content Detail
Getting and keeping insurance (3)
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A Consumer's Guide to Getting and Keeping Health Insurance in New York
A summary of your rights under New York State law related to getting and keeping your health insurance, including information on your right to participate in your employee health plan. Content Detail
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New York Consumer Guide to Health Insurers
Pamphlet about how to select insurance plans, with consumer rights in HMOs, and charts of actual NYS health plans, with number of complaints filed against them. Content Detail
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What if My Insurance is Terminated?
What steps to take if your insurance has been stopped. Content Detail
Disagreements with your insurance company (4)
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External Appeals - Frequently Asked Questions, Instructions, and Applications
Consumers in NYS have the right to an external appeal when an HMO or insurer denies health care services as not medically necessary, experimental or investigational, or in certain cases as out-of-network. Content Detail
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How Can I Advocate for Myself?
If you have a disagreement with your insurance company, here are some suggestions on what steps to take and how to try to resolve the dispute in your favor. Content Detail
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Managed Care Complaints and Appeals
This resource provides a step-by-step guide on what to do if you are dissatisfied with your plan or any of its employees, providers, or contractors, or your plan's services, determination of benefits, or the health care treatment received through the plan, you can file a complaint or grievance with your plan. Content Detail
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Your Rights as a Health Insurance Consumer
A fact sheet put out by the New York State Insurance Department about the basic rights of health insurance consumers, including information on how to file a complaint against your health insurance company. Content Detail
Health and other benefits (2)
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A Consumer's Guide to Getting and Keeping Health Insurance in New York
A summary of your rights under New York State law related to getting and keeping your health insurance, including information on your right to participate in your employee health plan. Content Detail
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Hard Times and Health Insurance: Staying Covered When You Lose Your Job
In response to the growing number of New Yorkers who risk losing health insurance coverage in the current troubled economy, this guide--the first to help New Yorkers understand how to benefit from the COBRA premium assistance enacted in 2009, and presents practical advice on state and federal protections, and how to exercise them. Content Detail
Insurance and special health problems (4)
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New York State's Chiropractic Law
Information on your legal rights to be covered by your health care plan for chiropractic care. Content Detail
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What is a pre-existing condition and can it be excluded from my health coverage?
Brief Q & A explaining when a health insurance plan may deny converage for a pre-existing condition, meaning a condition that you were treated for, or for which treatment was recommended, in the past 6 months. Content Detail
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What is the Best Way to See a Specialist?
The rules for when your insurance must pay for you to see a specialist, and what steps to take to enforce these rules. Also see Managed Care Bill of Rights. Content Detail
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Women's Health and Cancer Rights
Information on a woman's legal right to health care coverage for certain medical procedures related to breast cancer. Content Detail
Insurance coverage and life changes (3)
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Changing Jobs? Know About HIPAA.
Information on a Federal law known as HIPAA, which protects people with pre-existing medical conditions who need to change insurance providers without losing coverage. Content Detail
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Coverage for Your Newborn or Newly Adopted Child
Legal information related to getting health insurance coverage for your newborn or newly adopted child. Content Detail
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Newborn's and Mother's Health Protection
Information on a law which requires health insurance companies to cover hospital stays of a certain length after child birth. Content Detail
Managed care (2)
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Managed Care Bill of Rights
A summary of your legal rights if you are covered by insurance under a managed care plan. Content Detail
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What is Managed Care?
This fact sheet explains what managed care is, including some important information to help you understand how this this type of health insurance coverage works. Content Detail
Medication and prescriptions (1)
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Getting Your Health Plan to Cover Your Prescription Medications
What steps to take if your health plan does not cover prescription drugs that you need, and what your legal rights are in such a case. Content Detail
More information (1)
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Consumer Frequently Asked Questions; Health Insurance in NYS
FAQ about Pre-Existing Illness and Insurance, Diabetic Supplies, HMO compliants, etc.... Read More
