NASRO's Affordable New York Group Health Insurance for Large Employer Groups, Sole Proprietors, Self Employed People & Families, Contractors and Small Business, Call 800-638-8113 and Speak to the NASRO Administrtor of New York, an Advocate for You
See Below New Yorkers Rates and Benefits and
Call Us to Find Out How to Qualify
Move Your Health Insurance Money to NASRO
NASRO is the private non-profit that is the solution to achieving affordable health care. We are a third party administrator of affordable group health insurance. We helped build and lead as start ups, some of the largest and most successful health plans in the country and we can help you find affordable quality coverage.
Participating Carriers
NASRO recommends to sole proprietors, self employed people, independent contractors and freelancers Oxford/United HealthCare and Emblem Health's high deductible plans as the best value in greater New York for the premium cost.
New York

ConsumerDirect EPO (Sole Proprietors)
EmblemHealth high deductible health plans (HDHPs) feature lower premiums based on a higher than usual annual deductible and offer a separate health savings account (HSA ) that members own and can use for future medical expenses with tax-free dollars.
Affordability
Members pay no out-of-pocket costs for covered preventive care in-network, including routine physicals, screenings, immunizations, mammograms, gynecological exams, well-baby care and more. These services are covered in full and not subject to the plan's annual deductible
Monthly Premiums
Single $141.06
Family $359.43
Emblem Health Sole Proprietor High Deductible Plan Benefits & Rates
ConsumerDirect PPO (Sole Proprietors)
EmblemHealth high deductible health plans (HDHPs) feature lower premiums based on a higher than usual annual deductible and offers a separate Health Savings account that members own and can use for future medical expenses with tax-free dollars.
Emblem Health Sole Proprietor PPO
Monthly Premiums
Low Option High Option
Single $204.14 $261.95
Family $520.56 $719.07
To enroll please call 800-638-8113. Deadline for monthly enrollment is the 15th of the month prior to the effective date

January 1, 2010 - March 31, 2010
Look Up Your Doctors
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More Affordable New York Health Insurance Plans for Sole Proprietors, Self Employed People, Contractors and Freelancers
Rates for Manhattan, Richmond, Bronx and Suffolk Counties
Liberty Plan Direct Plan 1 Monthly Rates
Office Visit Copayment $30/$50 Single $484.39
In Network Deductible $2,000/$4,000 Parent / Child(ren) $896.12
In Network Coinsurance $80% to 10k Husband / Wife $1,065.66
Out of Network Deductible $2,000 Family $1,530.67
Out of Network Coinsurance $60% to 10k
Hospital Inpatient Deductible and Coinsurance
Outpatient Surgery Deductible and Coinsurance
Pharmacy $15/50% w $100 Tier 2 deductible
Oxford Exclusive Plan Metro Liberty Plan 2 Monthly Rates
Office Visit Copayment $25 P,$50 S Single $434.85
In Network Deductible $2,000 S/$4,000 F Parent / Child(ren) $804.47
In Network Coinsurance 90% to 10k Husband / Wife $956.67
Out of Network Deductible In Network Only Family $1,348.06
Out of Network Coinsurance In Network Only
Hospital Inpatient Deductible & Coinsurance
Outpatient Surgery Deductible & Coinsurance
Pharmacy $15/50% w $100 Tier 2 deductible
Oxford HSA Direct Freedom Plan 3 Monthly Rates
Office Visit Copayment D&C Single $413.79
In Network Deductible $2,850/$5,700 Parent/ Children $765.51
In Network Coinsurance $90%to 10k Husband / Wife $910.34
Out of Network Deductible $2,850 Family $1,307.58
Out of Network Coinsurance 70% to 10k
Hospital Inpatient Deductible & Coinsurance
Outpatient Surgery Deductible & Coinsurance
Pharmacy $15/50%
Oxford HSA Exclusive Freedom Plan 4 Monthly Rates
Office Visit Copayment Deductible&Coinsurance Single $431.19
In Network Deductible $2,000/$4,000 Parent/ Child(ren) $797.70
In Network Coinsurance 100% Husband / Wife $948.62
Hospital Inpatient Deducible & Coinsurance Family $1,336.69
Outpatient Surgery Deductible & Coinsurance
Pharmacy $15/50%
All plans also come with a mental health rider that includes unlimited biologically based mental health services. Call 800-638-8113 for the rate information.
Additional Rates for Kings, Queens and Nassau Counties.
Liberty Direct Liberty Metro Freedom Direct Freedom Exclusive
Single $496.14 $445.53 $394.64 $444.13
Parent/Child(ren) $917.86 $824.23 $730.08 $821.64
Husband/Wife $1,091.51 $980.16 $868.21 $977.09
Family $1,576.80 $1,381.14 $1,247.06 $1,376.80
Westchester Country is part of the Oxford service area, but this program is only available to people who work in counties where the plan is offered and live in Westchester County.
Where can I find out in depth information about what is covered by each plan?
Oxford Liberty Plan Direct Benefit Summary
Oxford Liberty EPO Non-Deductible Benefit Summary
Oxford Exclusive Plan Metro Liberty Benefit Plan
Oxford HSA Direct Freedom Benefits Summary
Oxford Exclusive Freedom Plan Benefits Summary

Longtime Consumer Advocate, Robert Gaw, NASRO President & Founder
Frequently Asked Questions
How long does it take to be covered for New York health insurance?
Coverage is effective on the first of the month. All the forms need the first month's payment need to be sent to NASRO by the 25th of the previous month. For example, if coverage is needed for an October 1, 2009 effective date, the paperwork must be sent to our office by September 25, 2009.
After I join a new plan how do I know my new New Yor health insurance coverage is effective?
As soon as NASRO is informed your coverage is approved a copy of the confirmation letter from Oxford will be emailed or faxed to you, so you can start using your new plan.
Do these New York plans cover Domestic Partners
Yes, the plans do cover both same sex partners and opposite sex partners
How do I find out if I qualify as a sole proprietor if I am an independent contractor, a self employed person or a small business person?
Call our office at 800-638-8113 and speak to one of our consultants
How do I sign up and how long does it take for NASRO to process my application?
Order the Sole Proprietor Enrollment Kit by calling our office at 800-638-8113 and it will be sent out via email or fax on the same day as your call. After we receive your information it takes us one day to process the forms and get back to you on any missing information that needs to be added
What if I need a high option health plan, can NASRO Co-op help me sign up for those plan?
Yes, NASRO also has available high option plans with almost no out of pocket expenses that also have a higher premium than the Oxford plans. Just call us or email us and we will send out the information.
Oxford Member Discount Programs
Oxford My Gym Discount Program for Children
Oxford Diabetic Care Services
Oxford The Sports Center at Chelsea Piers
Oxford Premier Martial Arts
Sole Proprietor Guardian Dental Plan
Healthpass Guardian DMO Dental Plan
Call 800-638-8113 to enroll in a Guardian Dental Plan to go along with an Oxford/United HealthCare Health Plan.
Oxford Small Employer Group Health Insurance Plans for Employer Groups of 2 to 50
Oxford Health Plan Small Employer Group Coverage
- Routine preventive care and laboratory services covered in-network at no charge ( includes PCP and OB/GYN)
- Access to the industry leading network of over 75,000 physicians in the New York tri-state area
- In-network access to over 526,000 United HealthCare Choice Plus Network physicians throughout the United States, when outside the Oxford service area
- No referrals for specialist visits
- Access to most of the area's finest hospitals, including New York Presbyterian, North Shore/LIJ, Robert Wood Johnson University Hospital and Yale/New Haven
Oxford
Provider Directory
Oxford Enrollment Area Map for New York and Surrounding States
New York 2-50 employees, Call 800-638-8113 for October 1, 2009 Rates
Liberty Gated HMO Plan for Manhatten, Suffolk, Richmond, Bronx, Westchester, Nassau, Queens, Brooklyn, Rockland, Dutchess, Orange, Putnam, Ulster and Sullivan Counties
$30 Primary Care Physician Copay, $50 Specialist Copay, Hospital Copay of $500 a day up to $1,000 per hospital stay, $150 Outpatient Surgical Copay, $150 Emergency Room Copay, Avaialble with or without Prescription Drug Coverage
Liberty Direct Plan & Freedom Direct Plans for Manhattan, Suffolk, Richmond, Bronx, Westchester, Nassau, Brooklyn, Queens and Rockland Counties
In Network - $25 Primary Care Physician Copay, $40 Specialist Copay, $500 Individual Deductible / $1000 Family Deductible, 100% Coinsurance, $100 Emergency Room Copay
Out of Network - $1000/$2000 Deductible, 70% of $10000 Coinsurance, $10/$25/$50 Rx with a $50 Deductible ( waived for generic )
Liberty & Freedom Exclusive Plan Metro for Manhattan, Suffolk, Richmond, Bronx, Westchester, Nassau, Brooklyn, Queens and Rockland Counties
$20 Primary Physician Copay, $40 Specialist Copay, Hospital Copay $200 inpatient/$200 Outpatient, $10/$25/$50 Drug Card with a $50 Deductible ( waiver for generic)
Liberty & Freedom Exclusive Plan Metro for Manhattan, Suffolk, Richmond, Bronx, Westchester, Nassau, Brooklyn, Queens and Rockland Counties
$25 Primary Physician Copay, $50 Specialist Copay, Hospital Copay $300 per day up to five days, $15/$35/$75 Drug Card with a $100 deductible (waived for generic)
New York Group Disability Coverage for Short Term and Long Term Disability
New York Employers Are Required to Provide Disability Benefit Law Coverage
NASRO has coverage available from many leading carriers
New York & New Jersey Dental Plan Coverage
Aetna Dental for Small Business in Metro New York Area, with Rates and Benefits
Aetna Dental for Small Business in New Jersey, with Rates and Benefits
What dental plan is available for one person groups in New York?
Healthpass Guardian DMO Dental Rates and Benefits for NY
What dental plans are available for groups of three to nine employees?
Delta Dental of New York Red Plan
CapDent Managed Care PPO
In Network In Network In/Out Network
Option 1 Option 2 Option 3
Rates Rates Rates
EE - $15.25 EE - $24.50 EE - $37.50
ES - $24.00 ES - $49.25 ES - $75.25
EC - $24.00 EC - $49.25 EC - $75.25
Fam - $32.00 Fam - $58.50 Fam - $89.50
Employer Groups of Two or More

Empire Blue Cross and Blue Shield
PPO, POS, HMO; Large Group, Small Group, Self Employed
> Small
Group Plans
>
Guidelines for Participation
EPO Plans - with referral-free in network care in New York and out of the area
>
EPO Benefits Summary
HMO Plans - with 65,000 provider locations and 147 hospitals in New York and the bordering counties in New Jersey and Connecticut
>
HMO Benefits Summary
PPO Plans - with maximum choice of providers in New York and out of the area
> PPO
Benefits Summary
Aetna

Aetna is a company that remains an option for small businesses throughout the state. In New York City they have a number of new lower cost plans that are worth investigating. Please see the rate and benefit information for their plans below. Its national reputation and name recognition are important for small companies with staff located in different locations or with staff traveling around the country. If you are interested in knowing more about the Aetna plans please call NASRO at 800-638-8113.
Small Business Plans for Groups of 2 to 50
Aetna New York City Community Plan
Aetna New York City Community Plan Graphic
Aetna NYC Community Plan Options
Emblem Health formerly GHI
Small Business Advantage Plan Rates and Enrollment Rules
Finding affordable coverage for individuals who are self employed, independent contractors and sole proprietors can be difficult in New York. The small business advantage plan is available in the metropolitan areas throughout New York state. To qualify an existing organization or person will need to be prepared to submit to NASRO two of the following: a schedule C, a signed SE self employment tax form, a form 1120S with K-1, a signed NYS-45 Form or articles of incorporation. If you are a new business just formed, you can still participate. You are required by the state to submit a letter of certification completed by an attorney or a CPA. Please call NASRO to discuss the benefits, the providers and how to enroll. You already know the rates.
GHI Small Business Advantage Program Benefits Summary
Emblem Health
Perfect Health

Small Group Plans
Plan 3 - PPO with $5,000 deductible
Plan 5 - PPO with $2,500 deductible
Plan 9 - PPO with $2,000 deductible
Plan 22 - PPO with $2,000 deductible
Small Employer Groups
Benefit Plan Summaries
HIP Prime Plan
HIP Prime POS Plan
HIP Prime EPO Plan
HIP Prime PPO Plan
HIP Access I Plan
HIP Access II Plan
HIP Select EPO Plan
HIP Select PPO Plan
HIP Classic Plan
HIP Start Smart Plan
Health Net
Small Employer Groups of two or more employees
Health Net New York's PPO Benefit Plan Summaries
Health Net New Jersey PPO Benefit Plan Summaries
Health Net Connecticut PPO Benefit Plan Summaries
Health Net New York Series of Health Plan Benefit Summaries
MVP Health Plan
Blue Cross Blue Shield of Western New York

Blue Shield of Northeastern New York

Excel Blue Cross and Blue Shield
Dental & Vision Plan
Aetna Vital Savings Plan
Sign Up On Line at Any Time
Monthly Rates
Individual - $7.50
Family - $12.00
For Both Dental and Vision
Click on logo for benefits, list of participating dentists and vision providers and to enroll on line.
The National Association of Socially Responsible Organizations Health Insurance Options Available in All 50 States
NASRO Is Working For New York State Communities
NASRO Eastern Office
Two Canal Park, Fifth Floor
Cambridge, MA 02141
800-638-8113
Fax - 800-562-8588
NASRO Western Office
609 Deep Valley Drive, Suite 200
Rolling Hills/Palos Verdes, CA 90274
424-237-9647
Fax - 800-562-8588
Tell Other Organizations or Associates About NASRO
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