Wilma Said:

What is the average price of health insurance in Queens, New York?

We Answered:

For a perfectly healthy, not overweight, absolutely NO preexisting conditions, on a low/no deductible plan, without maternity, at the age of 27, you can expect to pay about $600 a month.

If you want maternity, or are overweight, or have any preexisting conditions . . . it's going to cost a lot more.

If your cousin who is 50, has a private plan that he pays less than $500 a month for, then 1. he's not in New York and 2. He's got qite a hefty deductible there.

The price range you are looking for, is NOT realistic, for a low/no deductible plan in New York.

Those online places are going to harvest your personal information, and sell it as leads to agents.

Your best bet, is to talk to a local insurance agent/broker. They will NOT sell your personal information, AND, they'll help you balance cost and coverage to get you something you can afford - or at least, give you a realistic price range for your personal circumstances.

Randall Said:

how to get health plan for individual in new york?

We Answered:

Do not try to do this over the internet. It'll take you several days to intelligently compare all the plans available. Also, if you have any pre-existing conditions that might add a rider to the policy, cause you to be declined, or if you are out of the height and weight guidelines you won't know until you've applied and gone through the underwriting process. Also, this is a very good way to get scammed.

Visit a local independent agent that works with all the major carriers in your area. The agent can find the best plan for your situation and budget and they don't charge any extra for the service.

Deanna Said:

How much will a healthcare insurance for a family of 3 cost?

We Answered:

New York has an unusual system of insurance laws which result in very few plans being available statewide. Even for the same person in the same place, one company may charge twice as much as another. As a result, prices may be very different in one part of the state than another, depending on which companies offer insurance there. In any case, while there are good plans for many specific places within the state, none of them are good plans for the entire state. The website http://www.ehealthinsurance.com will give you prices based on ZIP code, which seem to be accurate, but you may find it more useful for seeing how wide the range from company to company is than for seeing the exact amount you will pay.

Dorothy Said:

What am I going to do about health insurance?! I need to see a doctor.?

We Answered:

keshawna m, Health insurance can be very tricky. Since I live in Vermont I'm not sure about New York regulations, so I recommend you contact a local insurance agent. http://www.americaschoicetoday.com/Health-Insurance.html They should be able to assist you.

Wendy Said:

NYC Health Savings Account and Individual Health Insurance?

We Answered:

Search for 'health insurance' on line and request a free quote. You will receive calls from several NY agents who can help you

Wallace Said:

New job doesn't offer benefits, where can I sign up for them?

We Answered:

Medicaid is for everyone of all ages and is the only program that fits your requirements. Other than that you'll need to visit a local independent agent. This person knows the plans available in your area and can find a plan that fits your situation and budget. The plans and premiums are the same whether you use the agent or buy directly from the company.

You may get answers here concerning medical discount cards. Be very wary of these cards. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of “save up to 80%” be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. Montana couldn’t find any doctors in the whole state that actually took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card and fined the company. See this link http://www.insurancejournal.com/news/wes… for more information. Many other states are starting to ban these cards as well.

Before signing up with any discount plan get a list of doctors. If they won’t give you a list consider it to be a scam. Call the doctors on the list to make sure they’re still taking the card (many don’t even know that they’re listed as a provider) and that they’re accepting new patients.

Do not try to do this over the internet. It'll take you several days to intelligently compare all the plans available. Also, if you have any pre-existing conditions that might add a rider to the policy or cause you to be declined or if you are out of the height and weight guidelines you won't know until you've applied and gone through the underwriting process. You don't want a decline on your record if you can help it.

Tyler Said:

Is there a health insurance plan for individual that gives coverage in multiple states? (NY & CA)?

We Answered:

I don't know about those states but my suggestion would be to look at getting a PPO plan that has networks in both states. Also, if you get a PPO plan then it should have out-of-network benefits. You'll just pay higher out of pocket for out-of-network benefits.