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OnlineAdviser forum
Short term medical insurance in NY
Our guest asks: Hello, I live in NY and would like to apply for 30 days of health insurance for myself and my wife. However, the enrollment website does not seem to be working. Please let me know how I can apply. OnlineAdviser responds:Unfortunately New York state law does not allow short term medical insurance. The low cost defined benefit insurance options used elsewhere are also not available within New York1. Although some states allow residents to purchase health insurance that is legally available in other states, New York does not permit this option while you are physically within New York state. The only solution, it appears, is to purchase insurance while temporarily residing outside of the state. Insurance legally issued while you are at another temporary address is legally valid within New York state and you may use it for New York doctors and hospitals. A temporary address may be a vacation residence, school, relatives, etc. where you need insurance and it is offered. There is no requirement that it be a permanent address or your legal address. If you return to an address in New York it is possible to notify the short term insurance carrier for administrative purposes (if you pay by mail) but this does not affect the rates or validity of the already in-force policy. Other options are described at http://www.freedombenefits.net/OnlineAdviser/New-York-health-insurance-options.html . 1 Many older Web pages, including some that I authored that we suspect you may have viewed, still list exist that list health insurance options that are no longer available in New York. Some of these are not able to be updated for various technical or legal reasons or because the material was simply pirated and reproduced without permission. Columnist Tony Novak answers user questions in a wide range of consumer finance issues. Health insurance questions and responses are published here to help others with the same issues. Personal information is removed from the question prior to publication. Novak has addressed more than 50,000 consumer finance questions in newspapers, radio television and Internet over a span of 24 years. An expanded biography is published at www.tonynovak.com. Novak is frequently compensated for endorsement of the companies covered in the forum. Advise is from sources believed to be reliable but cannot be guaranteed. OnlineAdviser comments represents the opinion of the adviser only and not represent the position any other person or business. This service is provided without charge on a best-efforts basis. Neither Freedom Benefits nor the adviser assume any liability for the effects of reliance on this advice. Have a Question? Ask OnlineAdviser for a fast professional response. |
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