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

Oxford Health Plans

January 1, 2010 - March 31, 2010

Look Up Your Doctors

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 Blue Shield

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

> Provider Directory

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