NEED TO KNOW INFORMATION FOR SUFFOLK COUNTY OBAMACARE

Please call JayMar Insurance Agency at

516-605-2757 for up to the minute Obamacre information for  Suffolk County residents. We offer enrollment Assistance to all individuals, families, and small businesses.

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.  

 

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.

 

 

 

Stony Brook University Hospital - In 2017, the only carrier that includes Stony Brook University Hospital in their network is EmblemHealth. If the providers you use are only affiliated with Stony Brook and you require that whichever insurer you choose have them in their network, EmblemHealth is your only carrier option at this time.  Unfortunately EmblemHealth does not have a substantial network in Suffolk County. If you are willing to forgo having access to Stony Brook physicians, there are less expensive carriers available, with far better benefits.

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.

 

THE CARRIERS

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

‘Off’ indicates the plan is available through a broker, and does not qualify for any premium credits.

If a plan is not available on the NYSOH you will not be elegible for an Advanced Premium Tax Credit (individual/family) or Small Business Tax Credits if you choose one of those plans.

Oscar Health Insurance (EPO) - Oscar a great choice for Suffolk County residents as long as the doctors you require to be in your network are not affiliated with Northwell -  In 2017 Oscar's network will include approximately 20,000 providers, as well as the Long Island Health Network of hospitals, which include most major hospitals, other than Nrothwell.  In addition they will include Mt Sinai, and Montefiore hospital systems.

 

Oscar Health Insurance gives you free telemedicine from anywhere in the country included in all of their plans, as well as step tracking cash rewards, and many of their plans include rich benefits before ever having to pay into a deductible. Oscars network  includes 139 urgent care clinics in New York State. Oscars plans offer a great value, as their premiums are relatively low and they include plans that have flexible cost-sharing options.

Oscar has announced it has plans to enter the group market in the 2nd quarter of 2017.

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

CareConnect (EPO) -THIS IS WHERE IT'S AT, IF YOU HAVE DOCTORS WHO YOU REQUIRE TO BE IN YOUR NETWORK AND ARE ONLY AFFILIATED WITH NORTHWELL -  CareConnect (EPO) - Was created by North Shore-LIJ Health System in 2013 to "ensure that its community has affordable access to excellent care.” They offer standard and non-standard plans with alternative cost-sharing options at very affordable premiums. Huntington Hospital and Southside Hosptial in Suffolk are owned by Northwell.  CareConnect is offering small and large groups the option of a national wrap network.  Along with its quality network (approximately 22,000) 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) - Affinity offers some of the lowest premiums available offering both QHPs and Essential Plans: new plans offered in 2016 for low income individuals which cost either $20 a month or are free, depending on your income and family size.  Affinity includes most major hospitals in Suffolk County in their network, with the exception of Stony Brook.  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.

 

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  most of which is in NYC, their network is not nearly as extensive as that of the other carriers.  However, if you live in Suffolk County and you need Stony Brook University Hospital physicians in your network EmblemHelth is currently your only carrier option.  They have plans avaialable to individuals/families (On/Off) and small businesses (On/Off). 

Call 516-605-2757 Today For assistance with choosing and enrolling into an Obamacare plan.

United Healthcare (HMO) -  United Healthcare’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.  United Healthcare plans are available to individuals or families (On/Off), and small businesses (Off).

 

In 2016 the New York State of Health is offering new, highly affordable plans to low income individuals called "Essential Plans".  United Healthcare'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 some of their other plans, 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.

or visit

www.NewYorkEssentialPlan.com

Depending on income and family size, the cost for an Essential Plan 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 co-pays, depending on income.  Qualifying individuals may enroll in Essential Plans all year long.  

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

or visit

www.NewYorkEssentialPlan.com

 

 

Empire Blue Cross (HMO) -  Empire's Pathway Network, the network available to individuals and families, has a weak network in Suffolk County.  Some major hospitals in Suffolk that accept Empire Pathway are Southampton Hospital, Peconic Bay Medical Center and Eastern Long Island Hospital, as well as Northwell.  In 2017 Empire is rolling out a new product offering to groups.

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 - Aetna has numerous plan designs to choose from and includes all hospitals in Suffolk County in their network.  The cost of their plans is middle-of-the-road, and they have a sizeable network in Nassau and Suffolk counties. These plans are only available to a Small Business (Off).

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