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Private Insurance
COBRA - Keeping Employer Group Health Insurance After a Job Ends - Federal & New York State Protections
 Basic Information on COBRA under Federal & New York State Law Here are resources on rights to continue coverage after losing one's job, under the federal "COBRA" law. Hard Times and Health Insurance Publication Date: 03.03.2009 - United Hospital Fund Author: Peter Newell and...
Patients' Rights in the Health Care System
Managed Care Bill of Rights New York State has a fairly progressive managed care bill of rights which is found in both the Public Health and Insurance laws. Disclosure. Managed care plans must tell their patients about the coverage offered, benefit packages, prior authorization rules,...
Health Plan Appeal Rights in New York After the Affordable Care Act
Samuel Salganik, an attorney at Community Health Advocates of the Community Services Society (CSS) wrote this incredibly thorough article breaking down the types of appeal rights available to individuals covered by the various types of private health insurance plans in New York. This article...
Saving Money on Prescription Drugs if You're Uninsured or Underinsured: Discount Cards and PAPs
Prescription drugs can be the most expensive healthcare cost for many people. Those who are uninsured are typically stuck with paying full retail price for prescription drugs at the pharmacy counter, which can be hundreds or thousands of dollars per month. Even those who have health insurance -...
Help for those who missed the annual open enrollment period for Qualified Health Plans
Do you or someone you know need health insurance? Did you miss the annual open enrollment period for enrolling in a Qualified Health Plan? (In 2021, the open enrollment period runs from Nov. 16, 2021 - Dec. 31, 2021). You may still have options to get coverage! Medicaid, Essential Plan...
2015 NYS Law Gives Protection from Surprise Bills and Emergency Services
The NYS Surprise Bills for Health Care Services Law went into effect in New York State March 31, 2015, protecting some consumers from "surprise bills" when services are performed by a non-participating (out-of-network) doctor at a participating hospital or ambulatory surgical center in your HMO or...
No Surprises Act 2022 – Understanding Consumers’ Rights against Surprise Medical Bills
Starting January 1, 2022, there are new protections that prevent surprise medical bills under the federal No Surprises Act (NSA), Pub. L. No. 116-260, 134 Stat. 1182, Division BB § 109. If you have private health insurance, these new protections ban the most common types of surprise bills. If...


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