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
The Federal Energy Regulatory Commission approved a plan extending a natural-gas pipeline in Virginia. The Virginia Reliability Plan and Transcot's …
Today is Giving Tuesday, a day when millions of Americans are expected to make charitable donations. But it can also be a field day for scammers…
A new project in Southern Arizona aims to support local reporting and enable greater access to local news and information. Earlier this month…
As the weather turns colder, two groups of people in one North Dakota city that are generations apart appear to be in good shape to navigate housing …
Researchers are out with new findings they say show that death rates linked to air pollution from coal plants are underestimated. A Wisconsin …
Illinois high school seniors have new hurdles to overcome to get to college. High school students are waiting several extra weeks to get their hands …
Clean-energy companies and supporters are calling on federal officials to prioritize the development of charging infrastructure for EV powered medium …
Missouri's duck-hunting season runs through January, and many enthusiasts are concerned about how plentiful their future quarry will be because of a …