Affordable New York Group Health Insurance Exchange from the National Association of Socially Responsible Organizations (NASRO), with Ethical Advice on Controlling Health Care Costs for Non Profits, Businesses, Sole Proprietors, Professionals and Self Employed People in Technology and Other Industries - Call Us At 917-474-1218 or 800-638-8113 for Rates and Benefits
See NASRO's Recommendations for the Best New Rates and Benefit Plans
NASRO of New York Is A Private Non Profit Health Care Exchange.
Only basic information is needed. Health Insurance from your friendly non profit means no annoying phone calls and your privacy is protected.
 
Health Care For All In Business
To Find the Best New Metropolitan New York City Health Insurance Plans Call Us For Rates and Benefits At Union Square In Manhattan
NASRO Administrators
41 East 11th Street
11th Floor
New York City, NY
10003
917-474-1218
Don't Just Accept the Ongoing New York State Health Insurance Company Premium Increases! The Industry Remains in Charge and the Only Effective Counter Weight to Control Prices Is the Self Organization of the Buyers of Health Insurance.
Self Employed People Have Lower Cost Alternatives
Newly Self Employed People Are Not Subject to Annual Earnings Levels Minimum Hours Worked or SIC Code Classifications
Employer Groups Of As Few As 25 Employees Can Now Be Partially Self Funded By High Quality Health Insurers
Federal Health Care Reform Progress
Report
President Obama's Health Care Reform Law has produced increased benefits to
consumers and employer groups that are now available despite strong insurance
industry opposition to them. Improved access for children, free comprehensive
preventive care and tests and the removal of maximum caps on benefit plans are
just some of the changes for 2011. More benefits are coming in 2014. NASRO has long worked in support of universal health care and continues to work for New York state solutions as it is not certain that the currently scheduled federal health care reforms will survive the election of a new President.
Problems In Need of Solutions Remain for the State of NY to Solve
Health insurance premiums have risen at a double digit level for the past ten years and to solve this problem small business associations like NASRO need to be allowed to form large groups in New York in order to have leverage with the health insurance carriers. Otherwise, health insurance exchange gains can be quickly wiped out as health insurers continue to just pass through premium increases and providers raise prices and drop out of managed care organizations. Cost shifting will also be a problem. From NASRO's five years of experience as a fiscal intermediary under Massachusetts health care reform, sole proprietor and small employer costs will increase as individuals are added to the risk pool. Right now in New York the premium costs for individuals is double the cost for sole proprietor plans. Insurers are going to claim the need to raise prices on everyone else in order to cover the individuals.
NASRO of New York is a health care consultant that is a solution to achieving affordable health care. We are a private non-profit third party administrator of affordable group health insurance for local employer groups and national organizations. The fact that individuals are forced to pay three times the cost of the same health insurance plan offered by a medium size employer group is a mockery of New York state health care reform making health care accessible. Information that is a full disclosure of health insurance benefits for sole proprietors and small businesses remains difficult to obtain from the health insurance companies, even for the experts. We offer innovative solutions in risk management with reinsurance, self administered plans with the best national PPO provider network. We can assist small employer groups with qualifying to be eligible to take advantage of the new federal 35% tax credit for those groups offering employee health insurance this year. That is an additional 35% off the business tax liability in addition to the fact that that health insurance benefits themselves provided by the employer are not taxable.
New York State Carriers
Oxford, Aetna, Emblem, GHI, HIP, Empire Blue Cross & Blue Shield, CIGNA, Amalgamate Life, Met Life
New Jersey Carriers
Oxford, Aetna, Horizon Blue Cross & Blue Shield, CIGNA, Amalgamated Life, Met Life
Connecticut Carriers
Oxford, Connecticut, Aetna, Blue Cross & Blue Shield, CIGNA, Amalgamated Life, Met Life
New York State
News Update - Sole Proprietors and Self Employed People Living in Westchester County but having a business or office location in New York City can enroll in the Oxford Health Plans.
More Affordable New York Health Insurance Plans for Sole Proprietors, Self Employed People, Contractors and Free lancers - To Find Out About All the Enrollment Services We Provide Call 800-638-8113
Current Rates for Manhattan, Richmond, Bronx and Suffolk Counties
Liberty Plan Direct Plan 1
Office Visit CO payment $30/$50
In Network Deductible $2,000/$5,000
In Network Coinsurance $80% to 10k
Out of Network Deductible $2,000/$5,000
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 BEST BUY FOR 2011
Office Visit CO payment $25 P,$50 S
In Network Deductible $2,000/$5,000
In Network Coinsurance 90% to 10k
Out of Network Deductible In Network Only
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
Office Visit CO payment D&C
In Network Deductible $2,850/$5,700
In Network Coinsurance $90%to 10k
Out of Network Deductible $2,850
Out of Network Coinsurance 70% to 10k
Hospital Inpatient Deductible & Coinsurance
Outpatient Surgery Deductible & Coinsurance
Pharmacy $15/50%
Oxford HSA Exclusive Freedom Plan 4
Office Visit CO payment Deductible & Coinsurance
In Network Deductible $2,000/$4,000
In Network Coinsurance 100%
Hospital Inpatient Deducible & Coinsurance
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.
Where can I find out in depth information about what is covered by each plan?
Oxford Liberty Plan Direct 2011
Oxford Liberty Exclusive Plan Metro 2011
Oxford HSA Direct Freedom Plan 2011
Oxford HSA Exclusive Freedom Plan 2011
The most affordable plans for people in New York looking to lower their monthly premium costs and willing to change to a higher deductible plan. Call 800-638-8113 for information and current monthly rates.
Emblem Health HSA EPO Plan for Sole Proprietors
Emblem Health HSA PPO Plan for Sole Proprietors
Emblem Health PPO Plan with a $10,000 Deductible then 100% Coverage Plan for Sole Proprietors
Available in the counties of Bronx, Kings, Nassau, Queens, Richmond, Rock land, Suffolk and Westchester
HIP Sole Proprietor Plans
HIP Select Sole Proprietor PPO # 3 Plan Description
HIP Select Sole Proprietor PPO # 2 Plan Description
HIP Select Sole Proprietor HMO #1 Plan Description
New York Dependents Health Insurance Coverage to Age 29, which NASRO supported, has been the law of the state now for two years and it is very popular with young adults and their parents. Additional incremental reforms are needed in New York. We need the health insurance plans located in our state to be non-profit organizations and we need price controls placed on health insurance premiums.
On July 1, 2009 a new and good law was enacted in New York that provides for parents to be able to cover their dependents through age 29. To be eligible the dependent needs to meet the following criteria: They must be under 30 years of age, not married, not insured or eligible for coverage, as an employee or member, under a self-funded or fully insured, employer sponsored plan and not not cover under Medicare.
The dependent does not have to reside with the subscriber, or be a subscriber's dependent for tax purposes. Insurers are required to notify subscribers and employer groups of these changes that are now taking effect. Because New York does not have an age rated individual health insurance system the cost of coverage is unusually high compared to other states for these young people on their own.
New York State Small Group Coverage
Aetna
New York Plan Guide
Oxford Group Plans
Oxford Health Plans has a full range of small employer group health insurance choices for any organization located in New York, with employees in the tri state area. The most affordable comprehensive plan is the Liberty HMO Plan. There are also PPO plans with greater choice of doctors and hospitals and more out of pocket costs, with deductible and coinsurance. HSA plans with even higher deductible and coinsurance levels are another strategy to use to lower monthly premium costs, while still having a full range of provider choices if a cat is trophic health care problem arises. For rates and full disclosure of benefit information call NASRO at 800-638-8113.
Oxford in area plan enrollment map
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
Plan Benefit Outlines
Liberty Gated HMO Plan for Manhattan, Suffolk, Richmond, Bronx, Westchester, Nassau, Queens, Brooklyn, Rockland, Dutchess, Orange, Putnam, Ulster and Sullivan Counties
$30 Primary Care Physician Co pay, $50 Specialist Co pay, Hospital Co pay of $500 a day up to $1,000 per hospital stay, $150 Outpatient Surgical Co pay, $150 Emergency Room Co pay, Available 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 Co pay, $40 Specialist Co pay, $500 Individual Deductible / $1000 Family Deductible, 100% Coinsurance, $100 Emergency Room Co pay
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 Co pay, $40 Specialist Co pay, Hospital Co pay $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 Co pay, $50 Specialist Co pay, Hospital Co pay $300 per day up to five days, $15/$35/$75 Drug Card with a $100 deductible (waived for generic)
Who Started NASRO?
Veteran Health Care Consultant & Consumer Advocate, Robert Gaw, NASRO President & Founder, who is still fighting for universal health care in New York state that will lower health insurance premium prices
Frequently Asked Questions
How long does it take to be covered for New York group 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.
After we enroll in a new plan how do we know our new New York health insurance coverage is effective?
As soon as we find out your coverage is approved a copy of the confirmation letter from the carrier will be emailed or faxed to your group.
Do these New York health insurance 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 for a small employer group plan as a small business, a sole proprietor, an independent contractor or a self employed person ?
Call our office at 917-474-1218 or 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 a Small Business Enrollment Kit by calling our office at 917-424-1218 or 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.
New York, New Jersey & Connecticut Group Dental Plan Coverage
Met Life Dental Plans
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
> 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 * Best Buys For 2011
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
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
Met Life Dental Plans
The National Association of Socially Responsible Organizations Health Insurance Options Available in All 50 States
NASRO Is Working For New York State Communities
Don't Delay Emergency Care When Asthma Flare-Ups Strike
Study found waiting led to worse outcomes, including hospitalization
MONDAY, May 16 (HealthDay News) -- Asthma patients who delay seeking emergency medical care when the condition flares can suffer worse outcomes, including hospitalization.
That's the finding of a study that included 296 asthma patients in two New York City emergency departments. They were asked about the duration of their asthma symptoms and their attempts at self-management before they decided to go to the emergency department.
Two-thirds of the patients waited five days or less before they sought medical treatment and one-third waited longer than five days.
Patients who waited longer were more likely to be sicker when they arrived at the emergency department, more likely to arrive by ambulance, and more likely to be admitted to the hospital.
The study also found that patients who waited longer and those who sought treatment earlier were about equally likely to have health insurance (80 percent), to consult a physician before coming to the emergency department (23 percent and 18 percent, respectively), and to have used drugs called beta-agonists (albuterol, for example), which are typically prescribed to treat asthma flare-ups.
The study is slated to be presented Monday at the American Thoracic Society (ATS) international conference in Denver.
"An important aspect of managing asthma is for patients to realize when they can handle exacerbations with help from their regular doctors, and when they need the more intense treatment the emergency room provides," study author Dr. Carol Mancuso, an associate professor of medicine at the Hospital for Special Surgery, Weill Cornell Medical College, in New York City, said in an ATS news release.
"It is preferable to get help early from regular doctors and avoid the emergency room. However, when intense treatment is necessary, then the sooner the patients present to the emergency room the better, because then they are not as sick and are less likely to be hospitalized," she added
NASRO of New York
Union Square
41 East 11th Street
11th Floor
New York City, NY
10003
917-424-1218
NASRO Administrators
101 California Street, Suite 2450
San Francisco, CA 94111
415-732-9440
Fax - 800-562-8588
NASRO Main Office
2 Canal Park, Fifth Floor
Cambridge, MA 02141
617-308-1525
Fax - 978-261-5408
Tell Your Friends and Business Associates To Call NASRO, 800-638-8113
Additional contact info here >>
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