Best Private Health Insurance NY
The term best private health insurance NY is subjective but this blog is going to highlight some of the lowest cost plans for the money in NY. For the purposes of this blog, “private health insurance” means a plan that are not part of the ACA exchange. We will also be excluding plans that are standard ACA non exchange based plans that do not have price points below average rates in NY. Please note that all plans listed are ACA compliant and will waive the potential income penalty as a result.
Elite PPO plan offerings
The Elite PPO plans are available to individuals and small groups. The standard plan offerings provide 4 plan choices. All 4 plans are copay plans that provide coverage for preventive services and copays for services such as doctors visits and lab work. The deductibles for major services range from $3,000 for the Elite PPO 3000, $500, $350 and $0 for the Elite Platinum Plus plans. All 4 plans use national PPO provider networks. None of the plans have referrals, as a result, members can go to any doctor in the national network.
Note: If you are a broker or agent looking to offer this plan to your clients CLICK FOR BROKER CONTRACTING INFORMATION
Prime PPO plan offerings
The next plans for our “best private health insurance NY” are the Prime PPO plans. Prime PPO plans are for sole proprietors, family business owners, DBA’s and small groups. Prime has 2 plan offerings including a copay plan and an HSA compatible high deductible plan. The network for both plans is the PHCS/Multiplan national PPO network. Members may go to any providers in the network without the need for referrals. The rates and application to apply are included in the link below.
Note: If you are a broker or agent looking to offer this plan to your clients USE THIS LINK FOR PRIME CONTRACTING INFORMATION
There are a number of factors to take into consideration when looking at health insurance options. Call our office at 203-796-5403 or email Edward@croweandassociates.com for more information.