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Population: 19,306,183
(Source: U.S. Census Bureau)
Uninsured: 2,513,000
(Source: U.S. Census Bureau)
Health Benefits Direct is a licensed insurance broker for New York health insurance policies. To verify our registration with the New York Office of Insurance, call 518-474-6630 and press 0 until you get the operator. They will provide the license number. Then enter it on their website. |
New York has the 4th highest number of uninsured in the U.S.
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Health Insurance News in New York
Buying Individual Insurance Policies in New York
State regulation of individual health insurance differs greatly from state to state. For you, this means certain conditions or providers covered in one state may not be covered in another.
Each state has its own health insurance mandates. Those mandates require that insurance companies and health plans cover, or offer coverage for, certain conditions, benefits, providers and patient populations.
Here is a list of mandated and non-mandated conditions, covered persons and providers in New York:
(Source: Health Insurance Mandates in the States 2008¹, Council for Affordable Health Insurance. Last updated Jan 2008.)
| Mandated (Covered) Conditions |
Non-Mandated Conditions |
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- Alcoholism
- Ambulatory Surgery
- Ambulance Services
- Autism
- Blood Products
- Bone Mass Measurements
- Breast Reconstruction
- Cervical cancer/HPV Screening
- Chemotherapy
- Clinical Trials
- Contraceptives
- Diabetes Self Management
- Diabetic Supplies
- Drug Abuse Treatment
- Emergency Services
- Home Health Care
- Hospice Care
- HPV Vaccine
- Mammogram
- Mastectomy
- Mastectomy Stay
- Maternity
- Maternity Stay
- Mental Health General
- Mental Health Parity
- Off-Label Drug Use
- Orthotics/Prosthetics
- Other Infertility Services
- PKU/Formula
- Psychotic Drugs
- Rehabilitation Services
- Second Surgical Opinion
- TMJ Disorders
- Well-Child Care
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- Alzheimer's
- Anti-Psychotic Drugs
- Birthing Centers/Midwives
- Blood Lead Poisoning
- Bone Marrow Transplants
- Cancer Medications
- Chlamydia
- Cleft Palate
- Colorectal Cancer Screening
- Congenital Bleeding Disorders
- Dental Anesthesia
- Early Intervention Services
- Habilitative Services
- Hair Prostheses
- Hearing Aid
- In Vitro Fertilization
- Kidney Disease
- Long Term Care
- Lyme Disease
- Minimum Hysterectomy Stay
- Minimum Testicular Cancer Stays
- Morbid Obesity Treatment
- Neurodevelopment Therapy
- Newborn Hearing Screening
- Newborn Sickle-Cell Testing
- Ostomy Related Supplies
- Ovarian Cancer Screening
- Port-wine Stain Elimination
- Prescription Drugs
- Prostate Cancer Screening
- Smoking Cessation
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| Mandated Covered Persons |
Non-Mandated Covered Persons |
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- Adopted Children
- Continuation/Dependents
- Continuation/Employees
- Conversion to Non-Group
- Grandchildren
- Handicapped Dependents
- Newborns
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- Dependent Students
- Non-Custodial Children
- Domestic Partners
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| Mandated (Included) Providers |
Non-Mandated Providers |
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- Chiropractors
- Dentists
- Nurse Midwives
- Nurses
- Occupational Therapists
- Optometrists
- Physical Therapists
- Podiatrists
- Psychologists
- Social Workers
- Speech or Hearing Therapists
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- Acupuncturists
- Chiropodist
- Denturists
- Dieticians
- First Nurse Assistant
- Lay Midwives
- Licensed Health Professional
- Marriage Therapists
- Massage Therapists
- Naturopaths
- Nurse Anesthetists
- Nurse Practitioners
- Opticians
- Oral Surgeons
- Osteopaths
- Pain Management Specialist
- Pastoral Counselor
- Pharmacists
- Physician Assistants
- Professional Counselors
- Psychiatric Nurse
- Public or Other Facilities
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Although health insurance coverage for a particular condition or provider may not be mandated in your state, insurance carriers may still provide coverage for the condition or provider. Please keep in mind that major medical health insurance plans are subject to health underwriting and that mandates do not necessarily guarantee coverage. If you're not sure whether you could receive coverage, one call to Health Benefits Direct can help you determine if you're eligible to buy an individual health insurance policy in New York.
Health Benefits Direct provides free health insurance quotes on affordable health insurance plans for New York residents. We work with highly rated insurance carriers to deliver quality health insurance plans to families and individuals across New York.
¹Authors: Victoria Craig Bunce & JP Wieske
Please note that information contained on this page can change at any time. Consequently, while we seek to present as up-to-date information as possible, Health Benefits Direct in no way warrants the accuracy of the information.
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