New York Health Insurance Regulations

A Health Care Article Contributed by Audrey Lynne Hart

New York Health Insurance Regulations

New York Health insurance has a lot more regulation than most of the other states in the country. In order to help you wade through some of them, we found a the following website at: www.healthinsuranceindepth.com

The Website Claims a User Friendly Searchable Index for New York Health Insurance, So You Can Become Familiar with All the Rules and Regulations Which Might Apply to Your Particular Health Policy, and Make It Easier to Comparison Shop for the New York Health Insurance Policy That's Most Suitable for You.

This Website Has a Very Detailed List of Regulations for New York Health Insurance Policies.

It also describes the particular rules and regulations which must be followed by each company and/or provider.

Since these rules and regulations vary from state to state, if behooves you, if you are a New York resident looking for an insurance policy, to familiarize yourself with the laws by which each company must abide.

On the website, you may research the different quotes without obligation and with absolute privacy, and apply at the website www.ehealthinsurance.

You may get additional quotes from www.insurecom. This service also does comparison shopping for you in the state of New York.

All these sites require is that you fill in your zip code for your particular county or area.

As to the Existing Laws Covering Insurance Policies for the State of New York, the Most Important One is a Clause Called Guaranteed Renewability. This Gives You the Option of Renewing a New York Health Insurance Policy for an Additional Term.

Another important law is the one which addresses a pre existing condition. Under state law, New York Health Insurance coverages are not allowed to exclude pre existing conditions for a previous period of twelve months.

These conditions are measured according to whether you were being treated or were diagnosed six months before the policy went into effect.

However, if you have moved from state to state, or if you choose a New York Health Insurance policy and were previously covered by another policy, that can apply to your pre existing condition.

Other provisions regarding the state of New York allow for policies for parents to cover their dependents, including newly born babies and adoptees for a period of up to 30 days. Those dependents which have a particular handicap and are of legal age can also be covered for a period up to 30 days.

As far as individual health insurance, companies are required by law to offer you a policy which will also include your family.

Other laws forbid companies from denying you health coverage on account of age, your medical history, your gender, or your particular occupation.

New York's HMO's come under the ruling of a standardized policy which will automatically give you total coverage. The law also prohibits a company from terminating the terms of your insurance policy if you become ill.

The website advises the option of temporary insurance when you might be between jobs and not be covered by any other policy. In that case, they suggest you purchase what is called a conversion policy.

Eligibility for a conversion policy depends on your previous employment in terms of prior coverage by a group insurance policy, or if you have taken advantage of your COBRA option after you changed employment or were let off.

This website also offers quotes and a guide to a small business insurance.

They also suggest you access the official site of The New York Insurance Department.