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Living in Manhattan what are the best PPO options for individuals, self-employed, etc. I currently have amazing coverage with Blue Cross, but after doing some research the only comparable plans offered in the state of NY are with Oxford. The monthly premiums are upwards of 415. I currently pay 157 with all of the essentials covered 100% no annual ded. and small copays. I knew the cost would be higher considering the inflated prices of NYC in general but I didn't think it would triple.
What is health insurance like in NY in general? Compared to MI/CA which are the only two states I'm familiar with. Plans in MI & CA are cheap and offer great coverage. In NYC for a self employed under 30 great general health what is the best provider? I want the best possible coverage with the most options. PPO is a must. I don't like the idea of the network dictating specialists god forbid something were to happen. Oxford seems to be the only option, any advice?
All I can really say is good luck. Insurance for young people is outrageously expensive in New York. While you can get cheap, high-deductible insurance in a state like for California for $75/mo, in New York you're generally looking at $300+ even for lousy coverage. My understanding is that this is largely due to New York State's community rating and guaranteed issue laws, which basically force young, healthy people to subsidize the premiums of others. Honestly, $415 for a good PPO plan doesn't sound bad to me.
^I have to echo these sentiments. I'm 23 and laid off with no insurance (insurance wasn't available at my job). Nearly all of my friends in their 20's lack insurance. I've looked into purchasing insurance individually but its not viable due to the cost.
PPO insurance should cover you in any state...unless I am not understanding something. I used to buy private PPO for years and wherever I go (east coast or west coast) there is a list of preferred providers I can go to in any city. As long as your doctor/hospital is in the list of providers for that city you can use your insurance, isn't this how PPO purchased via private insurance plan works? At least this is how it worked for me. 400/month with no deductible/copay for PPO sounds about right.. If you want to lower your payment, you should be able to get significantly less premium if you are willing to have a deductible/copay. If you are healthy, this might be a good option for you, just be aware most tests/diagnostic procedures are out of pocket and that's how they get you, so you need to have savings to cover up to your max out of pocket (deductible + copay).
All I can really say is good luck. Insurance for young people is outrageously expensive in New York. While you can get cheap, high-deductible insurance in a state like for California for $75/mo, in New York you're generally looking at $300+ even for lousy coverage. My understanding is that this is largely due to New York State's community rating and guaranteed issue laws, which basically force young, healthy people to subsidize the premiums of others. Honestly, $415 for a good PPO plan doesn't sound bad to me.
Yeah I figured. I used to pay 450 under COBRA. I guess that's it!
The out of pocket max was only 3500, with unlimited lifetime coverage and 10% coinsurance for office visits and everything else. I think it's a pretty great deal. I just hope the best docs are in their network.
On a whiny note, the whole idea of paying insanely high premiums because of the community is really annoying. Hard working people shouldn't have to pay for filth. This country is so messed up.
PPO insurance should cover you in any state...unless I am not understanding something. I used to buy private PPO for years and wherever I go (east coast or west coast) there is a list of preferred providers I can go to in any city. As long as your doctor/hospital is in the list of providers for that city you can use your insurance, isn't this how PPO purchased via private insurance plan works? At least this is how it worked for me. 400/month with no deductible/copay for PPO sounds about right.. If you want to lower your payment, you should be able to get significantly less premium if you are willing to have a deductible/copay. If you are healthy, this might be a good option for you, just be aware most tests/diagnostic procedures are out of pocket and that's how they get you, so you need to have savings to cover up to your max out of pocket (deductible + copay).
I don't know what insurance company you have, but where I come from if you move, your insurance doesn't move with you. Health insurance varies widely based on your location, hence the insanity of NYC. I've always had a PPO with a commercial health provider. Even when I moved within the state of MI I had to switch providers.
I think I'm going to eliminate the cost of having a car in the city. I'm just going to leave my car in Michigan. The building I'm looking into offers a 'luxury' garage with valet but it's 700 a month for a spot. Where I come from the parking is free lol Welcome to NYC I guess
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