Larry Said:

College grad health insurance - New York?

We Answered:

You have several options depending on your future plans. If you will be looking for a full time job with benefits you can get a short term medical policy which will tie you over until you get the job. The premium is very reasonable. If you plan on staying with your job that doesn't have coverage you can get a permanent policy. Either way you should visit a local agent that works with all of the major companies in your area. The agent can explain your options and can find the best policy for your situation and budget. There is no extra charge using an agent.

Mario Said:

what is the best health insurance in new york for going to see the dentist ?

We Answered:

Some Dental plans, PPO plans, are really good. Delta Dental, Met Life, Guardian. When we first started out in business we signed up with quite a few. Over the years we have not had to sign up with any new ones. The low quality plans have dissappeared. We are still members of others that we just hold on to because we like particular patients. Other wise we don't accept new pateiens from the lower paying plans. In general you get what you pay for. PPO plans seem to work because Dentist are compensated for each service at some predentermined rate. Dentist can give you your options expensive and cheap, pretty or less pretty, and he gets paid for the exam. Everybody is happy. If you decide to go with the less expensive treatment that's your decision. Less expensive options require less time and material and the dentist gets paid. More expensive options require more hand skills and integrity and the dentist charges accordingly.

Stay away from HMOs and discount cards. If you buy one of these discount cards the dentist staff has to do all this work to figure out your rate, I refuse to see people who have discount cards because I just can't figure out what part of the tooth I should discount. ha.

HMOs; Don't get an HMO if possible. The way HMOs work is the dentist gets a FAT check every month for say 300 patients on a list. You have to see these patients for basic services for free. (sounds good eh?) But most of the time the dentist gets to thinking, why should I bust my butt and see HMO patients all day when I can put them off for a few weeks and see the Cash and PPO patients. So right off the bat you become a second class patient. Then lets say your plan covers basic fillings for free, but not crowns and white fillings. Suddenly, you are at a car dealership. OH sorry Mr. Shmo you need a crown and that tooth. By the way you need a deep cleaning and those wisdome teeth should come out. Get the picture? HMO's suck because you can't figure out if you really need a service or are getting served.

I wish you luck. Remember cash works well too. you'll get a bigger discount than those discount cards.

Armando Said:

Where can we get health insurance in New York that we can afford?

We Answered:

There are always places that you can get health insurance in New York. In fact, that state seems to do a great job of making sure that there is coverage their residents. You can check out the State Insurance Website for more information on what they have to offer.

And in addition to that, get several quotes from a variety of companies to see what they are able to offer you. You can try various scenarios of coverage to find the right one for your budget. The easiest way to do that is search online. You can get several quotes in minutes from an online search.

I hope that help!

Rafael Said:

Cheap Health Insurance In New York State for single adult?

We Answered:

Zarnev, is corect
Try using yellowpages.com to search for health insurance brokers in your area.

Don't call your auto and home agent they specialize in property and causality insurance. You need someone that specializes in health insurance.

A Broker represents multiple carriers and can help you sort through all the different insurance companies and plan options in your state.

Bryan Said:

What is the best health insurance in New York for a small business?

We Answered:

You might want to try and bookmark this site for research information on health insurance. news, articles and more. It may have the resources to help you with your question and New York insurance.

http://www.healthinsurance-guide.net/