Many people think by getting a “good job” they’ll have a “good health benefits package.” That is just not always the case. Sometimes we find our dream jobs – great pay, weekends and holidays off, many opportunities to use our skills and advance – only to find out our dream jobs do not offer employer-sponsored health insurance. So, we start looking for individual insurance policies to purchase, but just do not have the money left over after the bills are paid to pay the higher premiums.
It is a vicious cycle, but it can be stopped thanks to New York State’s Family Health Plus. The Family Health Plus plan was created for adults between the ages of 19 and 64 who can’t find affordable health insurance in New York. Maybe their employers don’t offer group health insurance plans, or maybe they can’t afford to purchase an individual health insurance plan on their own. These are the New Yorkers who are considered to have too much money or assets to qualify for Medicaid; at the same time, they make too little money to afford either out-of-pocket health care costs or individual health insurance plans.
The great thing about New York State’s Family Health Plus plan is that you don’t have to have children in order to be eligible. Single adults as well as married couples without children are eligible for the Family Health Plus plan.
Plus, it costs nothing to apply for and enroll in the Family Health Plus plan, nor will you be required to pay deductibles. You will, however, need to pay co-payments at the time of medical treatment.
The Family Health Plus plan offers coverage for, but not limited to, doctor visits, in and out patient care, emergency room visits, vision care, diabetic services, behavioral health services, and even family planning.
For more information about this affordable health insurance in New York, contact the New York State Department of Health.