What NYers Should Consider When Buying Healthcare Plans
Monday, October 3, 2022
Many New Yorkers will be shopping for new health insurance plans this month, when open enrollment begins. If you are among them, experts advise it is important to be aware of exactly what you are getting.
New Yorkers pay some of the highest health care premiums in the U.S., second only to Alaska.
According to a study by the Empire Center, insurance costs here average more than $8,500 a year, which is more than $1,000 higher than the national average. No matter the cost, every health plan has its limitations.
Dr. Rhonda Randall, chief medical officer for UnitedHealthcare employer and individual, noted it is up to you to ask about what the plans cover, including any mental-health options.
"In addition to in-person mental health care, you might have access to a very large virtual network of licensed mental health professionals, like therapists and psychiatrists," Randall pointed out. "Some insurers also offer digital tools for mental health, and advocacy services to help you navigate those needs."
She stressed adding dental, vision or hearing coverage is another consideration, as well as double-checking whether the plan covers prescriptions. In short, she recommended people do their homework, as enrollment dates are fast approaching.
There are some elements of a plan Randall acknowledged people do not typically consider, but should. For example, how would the plan handle a significant health event, or a chronic health condition? And she added the pandemic has also influenced the services many insurers provide.
"Plans that include virtual care services for both medical conditions as well as behavioral health conditions have become very popular," Randall observed. "We've seen the utilization of those increase. You're also looking for a plan that has not only virtual health options, but a connection to in-person care as well."
Above all, Randall emphasized having health coverage is the most important thing, including the kinds of care you and your family need.
get more stories like this via email
Holiday shoppers this week have no shortage of options with Small Business Saturday being observed on Nov. 26. Sandwiched between Black Friday and …
By Lucia Walinchus for Eye on Ohio.Broadcast version by Nadia Ramlagan for Ohio News Connection Collaboration reporting for the Ohio Center for Invest…
While many Iowa families gather through this weekend to celebrate Thanksgiving in traditional ways with food and family, thousands of people take to …
Members of a Detroit-area community are intervening in an Environmental Protection Agency lawsuit against a DTE Energy subsidiary charged with dumping…
Health and Wellness
A bill headed to President Joe Biden's desk addresses a long-standing problem for domestic violence survivors, ending their ties to their abusers' …
Oregon is home to a plethora of rivers, but those waterways are not always accessible to every community. A new video series highlights how …
California is number one in the country for dollars spent on camping, hiking, climbing, and biking, according to the latest federal data. The most …
As holiday shopping kicks into high gear, security experts are offering tips for avoiding efforts by scammers to separate people from their hard-…