Health insurance is insurance against the risk of incurring medical expenses among individuals. It involves securing yourself and your family members from all health contingencies that may arise. In essence, its need cannot be over-emphasized. Health insurance is defined as “a coverage that provides for the payments of benefits as a result of sickness or injury”. Health insurance basically covers losses from accident, medical expense, disability, or accidental death and dismemberment. As you would know, across the United States, there are many providers of health insurance. Specifically, in New York, there are many organizations and agencies that provide health insurance.
New York health insurance is governed by both private and public entities. The City of New York and the Municipal Unions have cooperated in choosing health plans and designing the benefits for the City’s Health Benefits Program. As expected, these benefits are intended to provide you, your family, and all other eligible dependents, with the fullest possible protection required. While deciding as to which New York health insurance to sign up with, it is important to choose from the top list. Inasmuch as there are many great insurance providers in the City of New York available, we have compiled a simple list of few of the best ones just for you.
Blue Cross Blue Shield of Western New York
BlueCross BlueShield of Western New York is a division of HealthNow New York Inc. – one of New York’s leading health care companies that provides access to quality health care and innovative solutions for members in upstate New York. They have been providing insurance services for over 80 years and thus, have a strong brand name. BlueCross Blue Shield of Western New York has established an independent committee of practicing physicians and a pharmacist to help ensure that our formularies are medically sound and that they support your patients’ health.
Its headquarters is located in Buffalo, New York. The company is an independent Licensee of the BlueCross BlueShield Association. They also have ample experience as they partner with doctors and hospitals to improve the quality of the healthcare that all patients receive. They also support preventive care initiatives and evidence-based medicine, to ensure that you and your family are safe. BlueCross BlueShield of Western New York is one of the best New York health insurance providers even though it is a non-profit making entity.
Independent Health Association
Independent Health Association is another top New York health insurance provider. Independent Health Association, Inc. operates as a health maintenance organization in Western New York. Independent Health (IH) is a not-for-profit organization that provides a range of health insurance and related products to more than 365,000 individuals. They offer quality healthcare plans, services, and products to their members at fair rates. Their plans include HAS, HMO, POS, PPO, indemnity, and Medicare Advantage. They also provide dental and vision coverage, as well as coverage for Medicaid recipients. The firm offers a variety of community-based health and fitness programs. To add to their already wide set of services, their Healthy Options program helps local restaurants design healthy menus and they offer wellness programs for seniors. They are definitely one of the best in the city of Ney York.
Univera Healthcare is a non-profit health plan that is part of a family of companies financing and delivering health services for about 1.5 million upstate New Yorkers. Univera Healthcare is a business segment of The Lifetime Healthcare Companies. They provide health insurance coverage to more than 200,000 members throughout eight counties in western New York. Out of those members, about 30,000 are retirees in the company’s SeniorChoice Medicare Advantage plans.
Their experience in New York health insurance, speaks ahead of them. Univera’s members have access to all of the hospitals in the area, as well as more than 50,000 pharmacies across the US. Their insurance cover HMO, PPO, indemnity, dental, and other health plans to small and large businesses, as well as individuals. You can sign up now to be one of their members.
Oxford Health Plans (NY), Inc.
Oxford Health Plans, a UnitedHealthcare company, offers health care benefits to employers and individuals primarily in New York, New Jersey, and Connecticut. The company was incorporated in 1985 and is based in New York, New York. Over the years, they have provided quality health insurance services for New Yorkers. Oxford Health Plans (NY), Inc. operates as a health maintenance organization in New York.
They provide health benefit plans, accident and health insurance services, point-of-service plans, and consumer-driven health plans; amongst others. In addition, Oxford also offers Medicare plans and third-party administration of employer-funded benefits plans.
Aetna Inc. was founded in 1853 in Hartford, CT. They are committed to providing individuals, employers, health care professionals, and many others with innovative benefits, as well as quality products and services. The company, one of the largest health insurers in the United States. They also provide retirement savings products for clients in need of it. Aetna offers all forms of New York health insurance ranging from Life, to death, to general health, and even injuries and disabilities.
Its health care division offers HMO, PPO, point of service (POS), health savings account (HSA), and traditional indemnity coverage. Furthermore, they provide dental, vision, behavioural health, and Medicare and Medicaid plans, to groups and individuals in New York. The health care segment covers more than 24 million medical members. Their group is one of the largest in the United States and specifically, in New York. You too can get in on it now by signing up.
There are many other New York health insurance providers. With a good level of research, you would be able to match your health insurance needs with your pockets and have the best experience in health Insurance, right in New York where you are based – without having to go far and beyond. For more information, visit the official websites of these New York health insurance providers.