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New York Health Insurance Policy Information - HMO, PPO & POS
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Individual or family health insurance can provide the important protection
needed in the event of illness and for regular preventive care. Using the strength and experience of our health insurance markets, Insurance Plus can offer affordable HMO, PPO, POS, and Major Medical Health Insurance policy coverages throughout New York, |
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including Long Island and the New York City metro
area. |
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Health insurance plans that allow you the most choices
in doctors and hospitals also tend to cost more than plans that limit choices. Individual and family health insurance plans that help to manage the care you receive, such as PPO and POS plans, usually cost you less, but you must give up some freedom of choice. |
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Learn more about HMO, PPO, and POS managed
health care insurance plans by clicking on a link below or click on the link for information on Major Medical health insurance. |
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Insurance Plus
15 W. Main Street
Oyster Bay, New York 11771
(516) 922-1200
(212) 268-4473
Fax: (516) 922-5900
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"Your Long Island, NY
Health Insurance Agent"
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Health Insurance
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New York Health Insurance Specialists
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We are your local Long Island NY insurance agency, offering affordable
Health Insurance policy premiums in the following New York City area cities and counties: Oyster Bay, Huntington, Glen Cove, Port Washington, Roslyn, Syosset, Jericho, East Hills, Great Neck, South Huntington, Melville, Pinelawn, Farmingdale, Bethpage, Levittown, Lindenhurst, Babylon, Bay Shore, Islip, Northport, Hicksville, Westbury, Mineola, Garden City, Long Island City, Manhasset, Massapequa, Freeport, Lynbrook, Rockville Centre, Hempstead, Elmont, Valley Stream, Long Beach, Oceanside, Amityville, Merrick, Bellmore, Jamaica, Brooklyn, Bronx, Flatbush, Queens, Astoria, and everywhere else in Nassau County, Queens County, Kings County, New York County, Bronx County, Westchester County, and Suffolk County, NY. |
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Click on the link below to fill out a quote request form
for a family or individual health insurance policy that provides excellent health insurance coverage and services at an affordable cost. Or you can speak with one of our New York Health Insurance agent specialists at 516-922-1200 or 212-268-4473 to discuss the features. |
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* Preventive care emphasis
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* Primary care physician (PCP) coordinates your total care
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* Must get a referral from your PCP to visit a specialist
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* Fixed monthly fee
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HMO Health Insurance Policy Overview - New York
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Subscribers to an HMO receive medical services from participating physicians,
clinics and hospitals. You choose a primary care physician (PCP) from a list of participating doctors from where you live in New York. That doctor is used for typical circumstances such as annual exams and usual health issues. If you need to see a specialist, be hospitalized, or have lab or X-ray work, your doctor will refer you to a provider or facility within the HMO system. Your doctor must give authorization for those services to be covered by your HMO. In other words, you must see HMO approved physicians and use HMO approved facilities or pay the entire cost of the visit yourself. |
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Similar to Point-of Service (POS) and PPO's, HMO's have made arrangements
for lower fees with a network of health care providers and give their policyholders a financial incentive to stay within that network. |
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You may have to pay some portion of the cost (co-payment) for each office or
hospital visit, such as $20 - $30 per doctor visit, regardless of what the services cost. Also, some services such as emergency room, mental health and chemical dependency services, may carry additional costs in a New York HMO health maintenance plan. |
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Learn more about the other types of New York Individual or Family Health
Insurance polices we offer in New York by clicking on a link below! |
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Managed Health Care Plans:
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Fee-for-Service Health Plan:
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Click on the link below to fill out a quote request form for a family or individual
HMO health insurance policy that provides excellent health insurance coverage and services at an affordable cost. Or speak with one of our New York Health Insurance agent specialists at 516-922-1200 or 212-268-4473 to discuss the features. |
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* Convenient access to quality health care
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* Large and diverse network available of primary care physicians, specialists,
hospitals & clinics. |
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* Pay for services as they are provided
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PPO Health Insurance Policy Overview (Family or Individual in New York)
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You can see any health care professional in the network any time you choose to
make an appointment. You don't need referrals for specialists or other services as you do in an HMO. You can see doctors or specialists outside your PPO network, however, your portion of the costs will be higher. |
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You may have to pay some portion of the cost (co-payment) for each office or
hospital visit, such as $20 - $30 per doctor visit, regardless of what the services cost. Also, some services such as emergency room, mental health and chemical dependency services, may carry additional costs in a New York PPO health insurance plan. |
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Learn more about the other types of New York Individual or Family Health
Insurance polices we offer by clicking on a link below! |
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Click on the link below to fill out a quote request form for a family or individual
PPO health insurance policy that provides excellent health insurance coverage and services at an affordable cost. Or speak with one of our New York Health Insurance agent specialists at 516-922-1200 or 212-268-4473 to discuss the features. |
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Managed Health Care Plans:
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Fee-for-Service Health Plan:
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Less restrictive than an HMO or PPO, a (POS) or Point of Service plan lets you
see any licensed health care professional for anything covered by the insurance. Care you receive from out-of-plan health care professionals is reimbursed, but you must pay an often times much higher co-payment or deductible amount. While you may choose to see a physician outside the network, if you don't receive permission from your (PCP) primary care physician, you're likely to end up submitting the bills yourself and receiving only a small reimbursement - if any.
Costs that exceed your deductible are covered by a co-insurance plan in which
you and the insurance company share the cost for services covered by the policy. |
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Also, some services such as emergency room, mental health and chemical
dependency services, may carry additional costs in a New York POS health insurance plan. |
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POS Health Insurance Policy Overview (Family or Individual in New York)
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* Preventive care emphasis
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* Pays benefits for out-of-network care, but at a lower level
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Learn more about the other types of New York Individual or Family Health
Insurance polices we offer by clicking on a link below! |
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Click on the link below to fill out a quote request form for a family or individual
POS health insurance policy that provides excellent health insurance coverage and services at an affordable cost. Or you can speak with one of our New York Health Insurance Agent specialists at 516-922-1200 or 212-268-4473 to discuss the features. |
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Managed Health Care Plans:
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Fee-for-Service Health Plan:
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Major medical health insurance provides benefits up to a high limit for most types
of medical expenses incurred, subject to a deductible. Once you meet the deductible, our New York Major Medical Insurance plans pay a percentage of what is considered the "Usual and Customary" charge for covered services. The insurance company generally pays 80% of the Usual and Customary costs and you pay the other 20%, which is known as co-insurance. If the insurance company charges more than the Usual and Customary rates, you will need to pay both the co-insurance and the difference. |
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With Major Medical Insurance plans you can choose your doctor and any hospital
for your medical services. You or your doctor send the bill to the insurance company, which pays part of it. Usually, you have a deductible such as $250 or more to pay each year before the insurer starts paying. The plan will pay for charges such as medical tests and prescriptions as well as from doctors and hospitals. |
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Major medical insurance coverages offer more choice of doctors (including
specialists, such as cardiologists and surgeons), hospitals, and other health care providers than managed care plans, such as HMO, PPO, and POS. Major Medical Insurance may not pay for some preventive care, such as check-ups, and is usually a more expensive health insurance coverage than utilizing an HMO, PPO, or POS plan. |
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Learn more about the types of New York Individual or Family Health Insurance
polices we offer by clicking on a link below! |
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Click on the link below to fill out a quote request form for a family or individual
Major Medical health insurance policy that provides excellent health insurance coverage and services at an affordable cost. Or speak with one of our New York Health Insurance agent specialists at 516-922-1200 or 212-268-4473 to discuss the features. |
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Managed Health Care Plans:
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Family or Individual
Health Insurance
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Affordable
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