NEWS & Updates

We have been busy developing an easier to navigate, faster loading and mobile friendly website to serve you.

Thank You to the thousands of Clients that have grown with us over the past 30+ years!

Sincerely yours,

Rose Gagliardi
President

INSURANCE PLUS

15 West Main Street
Oyster Bay, NY 11771
516-922-1200 / 212-268-4473
516-922-2829 fax
516-864-6652 cell/text

www.insuranceplusny.com

The Affordable Care Act, (also known as the Marketplace, The Exchange, Individual NY Programs and “Obamacare”) allows individuals, families and independent contractors to purchase insurance from a list of approved programs that are regulated by this health care law.

In addition, the Affordable Care Act has regulations such as when and where you can purchase your health insurance plan and the type of program that one can purchase.

Throughout the country, individuals (and their families) can enroll or change their program ONLY during the open-enrollment period, which offers a January, February and March 1st effective date. Typically, the final enrollment deadline is January 31st, which enrolls for March 1st. After this period, only those that have a “qualifying event” can enroll into an ACA (Affordable Care Act) plan. Qualifying events are life change occurrences, such as losing a job, marriage, moving, health insurance termination, etc.

However, there are exceptions…

Independent contractors, or those that have an LLC/Corporation, may be able to participate in a LARGE GROUP PLAN or create their own SMALL GROUP BUSINESS PLAN. Small group plans are an option only if the LLC or Corporation have two partners or one owner and at least one employee.

Both small and large group programs DO NOT have an open-enrollment period, and enrollment can be anytime throughout the year. These programs offer plans that New York State individuals and independent contractors cannot enroll into on their own. In many situations, these programs are the preferred choice when compared to the individual marketplace or exchange programs. Small and large group programs offer benefits that the marketplace and exchange programs DO NOT OFFER:

☑ Larger nationwide networks
☑ Out of network benefits
☑ No referrals required
☑ Ability to utilize network providers out of state


SMALL AND LARGE GROUP PROGRAMS currently offer networks such as CIGNA, MAGNACARE PPO, HIP PRIME, EMPIRE BLUE CROSS/BLUE SHIELD (traditional network), OXFORD FREEDOM, OXFORD LIBERTY AND AETNA. MANY OF THESE PROGRAMS OFFER PRICES THAT ARE SIMILAR TO THE CURRENT MARKETPLACE AND EXCHANGE PROGRAMS.

EXAMPLE STARTING PRICE:

$465 single / $875 couple/ $785 single parent/ $1,201 family

Should you have any question regarding these programs, please do not hesitate to contact my office.

Thank you.

Sincerely yours,

Rose Gagliardi
President

INSURANCE PLUS

15 West Main Street
Oyster Bay, NY 11771
516-922-1200 / 212-268-4473
516-922-2829 fax
516-864-6652 cell/text

www.insuranceplusny.com

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