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Discover What New York Health Insurance Politics And Legislation Is All About

The state of New York is among the states with many regulations to control the individual health insurance. If you have an intention of buying either a temporary or even a permanent health care insurance in New York, it is important for you to ensure that you are familiar with these legislation. As it is the case with every other state, the policies of health insurance are regulated by the laws of New York. Therefore, it is a requirement for both the company and the holder of the policy to abide by these laws.

Like it is the case in many other states, the law in New York requires that the policy contain what is known as the ‘guaranteed renewability’’ clause. This is a clause that ensures that the policy holder has a right to automatically renew the policy at the end of the term of the policy. There is also what is called the ‘pre-existing condition’. This is a description of the medical condition that you may suffer from prior to the effective beginning date of the policy. As per the laws of New York, the health insurance policy can only include this condition for a maximum period of 12 months. The law also applies to many other states

For a medical condition to be termed as having pre-existed, they must have been diagnosed for a period of at least 6 months to the beginning of the policy date. For those people who have an intention of switching the New York health insurance and yet they have not had a break in their covers, their old policy could be used to give credit to the ‘pre-existing condition’ period in your new plan.

One good thing with the health insurance laws in New York is that they do not have elimination riders. This is where some coverage is eliminated permanently for some conditions. Concerning the dependents, there are two provisions that touches on them in the laws of New York. Like it is the case in many other states such as Washington, the newborn of the policyholder and any other adopted child are also covered by the cover for a period of thirty days after birth. For those dependents that may have handicaps, they can also continue being covered by the parent’s cover even after they have exceeded the legal age limit.

For a person who has breaks in his policy, the best decision that could be made would be to buy a temporary health insurance in New York. In this case, the person should purchase a conversion policy. The application for the conversion policy should be received by your insurer within a period that is not later than 45 days after the expiry of you previous policy in New York. If you are a local resident, you can be able to get the best individual health insurance by entering the zip code above. This is the easiest way to get a quote for your health insurance that is not only competitive but also offers the best coverage.