New York Health Insurance Guide

Any New Yorker, may it be old or young, healthy or not cannot be taken away the right to buy health insurance.

Though, if you let your insurance to pass after 63 days, a waiting period may take in effect up to a maximum duration of 12 months. There are three ways to acquire a quality health insurance. First is the Private Health Insurance, which is divided into the HMO ( needs the use of referrals from Primary Care Physicians before seeing the specialists), and the POS (wherein you can see outside-your-plan doctors though with some deductibles).

You can also try insurance through associations, you can get by registering as a member. If it still didn’t work, you may be eligible for subsidized programs designed by the government to make sure that New Yorkers are fit and healthy.

Child Health Insurance Contributors

During the past few years, the nation has witnessed a tremendous increase in child-only health insurance. What could be the factors that contribute to this event?


Consumer-driven health plans – People used to be ignorant of the fact that they could avail of different insurance than their parents. Health plans today make people choose when it comes to buying health insurance, and when they have different health plans, value and price combines more effectively.
 
This type of insurance policy is compatible with health savings accounts. Because the number of health savings accounts is steadily growing, so does the number of child-only health insurance being purchased

State Children's Health Insurance Program

The State Children’s Health Insurance Program (SCHIP) is a joint federal program to provide health insurance to children in families who earn too much money to qualify for Medicaid, yet cannot afford to buy private insurance.

The statutory authority for SCHIP is under title XXI of the Social Security Act. SCHIP programs are run by the individual states according to requirements set by the federal Centers for Medicare and Medicaid Services, and may be structured as independent programs separate from Medicaid, as expansions of their Medicaid programs, or combine these approaches.

States receive enhanced federal funds for their SCHIP programs at a rate above the regular Medicaid match.

Health Insurance For Children

The term health insurance is commonly used in the United States to describe any program that helps pay for medical expenses, whether through privately purchased insurance, social insurance or a non-insurance social welfare program funded by the government. Synonyms for this usage include "health coverage," "health care coverage" and "health benefits."

The United States health care system relies heavily on private and not-for-profit health insurance, which is the primary source of coverage for most Americans. According to the United States Census Bureau, approximately 85% of Americans have health insurance; nearly 60% obtain it through an employer, while about 9% purchase it directly. Various government agencies provide coverage to about 28% of Americans In 2007, there were nearly 46 million people in the US who were without health insurance for at least part of that year.

In a more technical sense, the term is used to describe any form of insurance that provides protection against injury or illness. This usage includes private insurance and social insurance programs such as Medicare, but excludes social welfare programs such as Medicaid. In addition to medical expense insurance, it also includes insurance covering disability or long-term nursing or custodial care needs.

There is considerable debate in the US on the causes of and possible remedies for this level of uninsurance as well as the impact it has on the overall US health care system.