New York Health Insurance
Consumer Rights under NY State Law
New Yorks insurance laws are not very restictive to insurance
companies but the few that are in place will help prepare
you for purchasing a coverage.
Newborn and Dependent Coverage
An insurance policy issued in New York must automatically
cover newborns and adopted children for 31 days if the
policy already covers dependents.
Policy Cancellation
All New York health insurance policies include a guaranteed
renewable provision. An insurance company cannot deny
renewal request if there are no contract violations.
Unset Policies
Insurance companies in New York do no have policies that
are set by the state. This means they can tailor their
policies how they want.
Insurance companies can choose to cover or not cover certain
pre-existing medical conditions. This is called Elimination
riders, and can be added to any policy.
They can also set higher premiums based on current and
past health conditions and age.
Non Guaranteed Coverage
New York laws do not specify that an insurance company
has to issue insurance to an individual. An individual
can be denied coverage based on their health condition
or past conditions.
Temporary Health Insurance
Insurance companies in New York are allowed to offer temporary
insurance coverage. This coverage is helpful if an individual
is between jobs. Temporary insurance coverage is not guaranteed
renewable and can be cancelled by the insurance company.
Always check with your
health insurance company on latest policies. These types
of policies rarely ever change (but can), and they are
very similar from state to state. So, we have tried to
highlight the differences, where applicable.
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