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Understanding how health coverage works is an important first step in finding a health plan that meets your needs. This web site provides general information about the kinds of health care coverage available in New York. It can help you evaluate different health plans and know what to do if you have a problem with your coverage.
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NY Health Insurance Quote

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Even minor illnesses and injuries can cost thousands of dollars to diagnose and treat. Serious illnesses can be financially devastating. Having adequate health care coverage not only helps ensure that you’ll get the care you need, but also helps protect you and your family from large financial losses in the event of an illness or injury.
All HMOs must have an internal appeals procedure to allow members to contest a decision to deny medically necessary treatment, including denials of medications that are not on the HMO’s formulary. After you exhaust your appeal rights within the HMO, you can request an Independent Review Organization (IRO) to review the denial. The IRO may agree with the HMO’s decision or reverse the HMO’s decision. The HMO must pay for the review, and the IRO’s decision is binding on the HMO. An IRO review is only available if the HMO decides that the covered service or treatment is not medically necessary. For example, the IRO review is not available if the decision to deny coverage is due to an exclusion in your contract. In addition, not all health plans are subject to the IRO review process. Contact your plan to determine whether an IRO review is available to you when services or treatments are denied.

NY Health Insurance Quote - New York Health Insurance Quotes - Compare NY Health Insurance Quote