NEED TO KNOW INFORMATION FOR NASSAU COUNTY OBAMACARE

Call 516-605-2757 today for assistance with choosing and enrolling into an Obamacare plan on or off New York's exchange.

Most folks assume that if their hospital or doctor took their insurance before that they will continue to with their new policy, which is not always the case.  

The Hospitals

 

Northwell boasts a large award winning hospital system throughout Long Island, New York City, and Westcheter.  If you live in the Huntington area or SW Suffolk in the Bay Shore area, you should know that Huntington Hospital and Southside Hospital are both owned by Nortwell Health.  If you live in an area which only has Nothwell Hospitals, and the providers you use are only affiliated with Northwell, and you require them to be in your network then you should require that whichever insurer you choose have Northwell in their network.  If you do NOT require Northwell to be in your network then you have more options. The only EPO available which includes Northwell is their own carrier, CareConnect. The HMO Affinity is an excellent inexpensive option as well, otherwise there are the more expensive HMO's EmblemHealth, Empire Blue Cross Blue Shield, United Healthcare.

The major benefit to EPO's is that you do not need referrals to visit a specialist. The HMO's tend to carry higher premiums (aside from Affinity), some with larger networks, and you need referrals from your PCP to visit a specialist.

Call 516-605-2757 today for assistance with choosing and enrolling into an Obamacare plan on or off New York's exchange.

Catholic Health Services - A large network of hospitals including Good Samaritan, Mercy Medical Center, St Catherine, St Charles Hospital, St Francis Hospital, and St. Joseph hospital.  If the providers you use are only affiliated with Catholic Health Services and you require that whichever insurer you choose have them in their network Oscar is currently the only EPO on Long Island to offer access to these fantastic award winning hospitals. If you are open to an HMO Affinity offers access to Catholic Health Services of Long Island at a great price point, as as does the most expensive carrier United Healthcare.

Call 516-605-2757 today for assistance with choosing and enrolling into an Obamacare plan on or off New York's exchange.

’On’ indicates that these plans are available in the Individual Marketplace or the SHOP Exchange (for small business).

'Off' indicates the plan is not available on the NY State Of Health Website (NYSOH).

If a plan is not available on the NYSOH you will not be eligible for an Advanced Premium Tax  Credit (individual/family) or Small Business Tax Credits with these plans.

 

Oscar Health Insurance (EPO) - In 2017 Oscar Insurance has about 20,000 providers, and includes every major hospital on Long Island aside from Northwell Health formerly known as North Shore LIJ.  Oscars plans offer a great value, as their premiums are one of the lowest cost in the market and they include plans that have flexible cost-sharing options. There are no referrals needed to see specialists. Oscar Insurance offers free with every plan cash for step tracking,  gym reimbursement, 24/7 telemedicine, and the best customer service in the industry.

Call 516-605-2757 today for assistance with choosing and enrolling into an Obamacare plan on or off New York's exchange.

CareConnect (EPO) - was created by Northwell Health formerly known as North Shore-LIJ Health System in 2013 to "ensure that its community has affordable access to excellent care.” They offer non-standard plans with alternative cost-sharing options at very affordable premiums. Their network is primarily comprised of Northwell hospitals and providers and therefore is a top choice of carrier for Nassau County residents. CareConnect is offering small and large groups the option of a national wrap network.  Along with its quality network and reasonable costs, CareConnect offers the unique feature of integrated medical management. Plans are available to individuals and families (On/Off) and small and large businesses.

Call 516-605-2757 today for assistance with choosing and enrolling into an Obamacare plan on or off New York's exchange.

Affinity (HMO) - offers both QHPs and Essential Plans: new plans offered in 2016 for low imcome individuals which cost either $20 a month or are free, depending on your income and family size.  Affinity includes NSLIJ and most major hospitals in Nassau County in their network.  They also offer some of the most affordable plans in the Marketplace.  Affinity plans are available to individuals and families (on/off).

Call 516-605-2757 today for assistance with choosing and enrolling into an Obamacare plan on or off New York's exchange.

Empire Blue Cross (HMO) -  Empire's Pathway Network, the network available to individuals and families, has a decent network on the North Shore of Nassau County and includes Northwell Health.  YOU NEED REFERRALS FROM A PCP TO SEE A SPECIALIST WITH ALL EMPIRE PLANS . Their rates have gone up substantially for 2017, making them the second highest priced of all carriers, with platinum plans costing nearly $1,000 a month this year.  Qulifying individuals who enroll in and Empire plan throught the Exchange can receive tax credit (subsidies) to reduce their monthly premiums.  Empire plans are available to individuals and Families (On/Off), or Small Business plans (Off).  

Call 516-605-2757 today for assistance with choosing and enrolling into an Obamacare plan on or off New York's exchange.

 

EmblemHealth (HMO) - SelectCare is the network offered by EmblemHealth to individuals families as well as small businesses. With only about 12,000 participating doctors and health care providers in New York, their network is not nearly as broad those of the other carriers.  Their premiums also happen to be among the highest in the Marketplace.  Northwell and Stony Brook are in their network, however none other hospitals in Nassau County currently participate with Emblem.  They have plans avaialable to individuals/families (On/Off) and small businesses (On/Off). This applies to individuals or Families (On/Off) or Small Business plans (On/Off).

Call 516-605-2757 today for assistance with choosing and enrolling into an Obamacare plan on or off New York's exchange.

 

 

 

United Healthcare (HMO) -  UnitedHealth Care’s Compass Network is UHC's network for individuals and families. They include most major hospitals in Suffolk county, except for Stony Brook.  The benefits in UHC insurance plans are not as flexible as you will find in the EPO's. United Healthcare's premiums are the highest available, and they offer a strong, high quality network of providers.  UnitedHealth Care plans are available to individuals or families (On/Off), and small businesses (Off).

 

In 2017 the New York State of Health is offering new, highly affordable plans to low income individuals called "Essential Plans."  UnitedHealth Care's Essential Plan is provided through their Community Plan Network, and qualifying individuals can choose a plan which offers medical coverage only, or they can upgrade their plan to include vision and dental coverage for a minimal increase in premium.  Their provider network is somewhat limited compared to that of QHPS, however they include most major hospitals in New York.

Call 516-605-2757 today for assistance with choosing and enrolling into an Obamacare plan on or off New York's exchange.

 

Depending on income and family size, the cost for these plans is either $20 per month per person (for medical only) with no deductibles and small copays for services; or they are completely free with no premIum, deductibles or copys.  Qualifying individuals may enroll in Essential Plans all year long.  Call JayMar Insurance to see if you qualify.

Call 516-605-2757 today for assistance with choosing and enrolling into an Obamacare plan on or off New York's exchange.

 

 

 

Oxford (HMO) - OXFORD INSURANCE HAS CANCELLED ALL INDIVIDUAL PLANS IN 2017 - IF YOU ARE CURRENTLY ENROLLED IN THE OXFORD METRO INDIVIDUAL PLAN YOU MUST FIND A NEW PLAN FOR 2017.  CLICK HERE or Call 516-605-2757 today to get started in finding your new plan for 2017. 

Oxford EPO, and PPO's for Small Businesses -  You can purchase an Oxford plan off Exchange through a broker such as JayMar Insurance Agency.  Oxford has been the leading carrier with the greatest variety of plans available to small businesses for many years. Their plan offerings, network, and service model are fantastic. While they are not the least expensive carrier available they also have some slimmer network plans at a lower price point.

Call 516-605-2757 today for assistance with choosing and enrolling into an Obamacare plan on or off New York's exchange.

 

 

 

Aetna (EPO) - Aetna has numerous plan designs to choose from and includes most major hospitals in their network.  The cost of their plans is middle-of-the-road, and their network is sizable in Nassau and Suffolk counties. Unfortunately these plans are only available to a Small Business (Off).

Call 516-605-2757 today for assistance with choosing and enrolling into an Obamacare plan on or off New York's exchange.

 

Please contact JayMar Insurance Agency at 631-875-2993 for help determining which plan and network is right for you.  Or see JayMar Insurance Agency for more information.

 

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