About Low Cost Health Insurance in New York State
Most states have a health insurance program for low income individuals and families that do not qualify for Medicaid. The program in the state of New York is called Family Health Plus and is available for adults between the ages of 19 and 64. Family Health Plus is only available to residents of New York who are also United States citizens or belong to a certain immigration category. Individuals that have insurance through a federal, state, county or municipal benefit plan are not eligible
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Eligibility
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The New York Family Health Plus program enforces certain eligibility criteria that needs to be met in order to join. In addition to age requirements, individuals and families need to meet a certain level of income as well as have no existing insurance. The maximum amount a family of four can earn and still be eligible for the Family Health Plus program is $33,075. This means that a family of four can have a monthly income of $2,757 or a weekly income of $636.
Costs
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There is no cost for individuals and families to join the Family Health Plus program. Once enrolled in the program there are no deductibles that need to be paid. Some costs may need to be paid for certain types of services. Costs typically consist of a co-payment that can range from $22 to $50. Services subject to a co-payment may include prescription drugs as well as dental care. A co-payment may also apply for inpatient and outpatient hospital care.
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Benefits
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Health care for the program is available through managed care plans. One of these plans will need to be selected when applying for Family Health Plus. All plans include having a regular doctor and getting a regular check-up. Dental care may even be provided with some types of plans. Other benefits include hospital care for inpatient and outpatient services as well as prescription drugs.
Health Plans
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There are many health plans available in the Family Health Plus program. However, there are limitations to each of the plans that are provided. One limitation to these plans is that only doctors and hospitals that are included on the plan can be used. This means that an individual or family needs to make sure their current doctor is included on the plan or a new one will need to be chosen.
Documentation
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Some documentation will be needed when applying for the Family Health Plus program. An applicant will need to provide documentation for proof or date of birth and residence. Documentation will also be needed for proof of current income. A driver's license can be used for date of birth and residence documentation. A pay stub or a copy of a paycheck can be used as documentation for proof of income.
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