Affordable New York, New Jersey & Connecticut Health Insurance Quotes

for Small Business, Non-Profits, Workers, Freelancers and Sole Proprietors From NASRO Group Health Co-operative

Don't Just Accept Your Rate Increases

There Is A Way To Lower Your Costs

Know Your Rights

The National Association of Socially Responsible Organizations (NASRO) is a non-profit group health cooperative that is, cost effective, socially responsible, athird party administrator and fiscal intermediary of individual and group health, dental, vision, life and disability 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.

NASRO is not a pass through for the government, the insurance companies or the medical providers. NASRO continues to see success in the fight for health care access, affordability and quality coming through the U.S. Congress passing Universal Health Care in 2009.

NASRO Recommends Oxford Health Plans as the best value in greater New York not only for the premium cost, but because of their physician and hospital networks, their policy of no referrals needed for specialist visits, the ease of use of their high deductible plans with the Health Savings Account feature, but because of their professionalism.

Oxford Health Plans

July 1, 2009 - September 30, 2009

Look Up Your Doctors Call 800-638-8113 to apply

Rates for Manhattan, Richmond, Bronx and Suffolk Counties

Liberty Plan Direct Plan 1 Monthly Rates

Office Visit Copayment $30/$50 Single $443.98

In Network Deductible $2,000/$4,000 Parent / Child(ren) $821.36

In Network Coinsurance $80% to 10k Husband / Wife $976.75

Out of Network Deductible $2,000 Family $1,402.98

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/$50 Single $393.30

In Network Deductible $2,000/$4,000 Parent / Child(ren) $727.61

In Network Coinsurance 90% to 10k Husband / Wife $865.26

Out of Network Deductible In Network Only Family $1,219.23

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 $371.99

In Network Deductible $2,850/$5,700 Parent/ Children $688.18

In Network Coinsurance $90%to 10k Husband / Wife $818.38

Out of Network Deductible $2,850 Family $1,175.49

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 D&C Single $387.63

In Network Deductible $2,000/$4,000 Parent/ Child(ren) $717.12

In Network Coinsurance 100% Husband / Wife $852.79

Hospital Inpatient Deducible & Coinsurance Family $1,201.65

Outpatient Surgery Deductible & Coinsurance

Pharmacy $15/50%

Additional Rates for Kings, Queens and Nassau Counties.

Liberty Direct Liberty Metro Freedom Direct Freedom Exclusive

Single $454.72 $402.90 $383.15 $399.26

Parent/Child(ren) $841.23 $745.37 $708.83 $738.63

Husband/Wife $1,000.38 $886.38 $842.93 $878.37

Family $1,436.92 $1,248.99 $1,210.75 $1,237.71

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

Do these 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 a freelancers, a self employed person or a new small business person?

Call our office at 800-638-8113 and speak to one of our consultants

How do I sign up and when is the cut off date to sign up?

Order the Sole Proprietor Enrollment Kit by calling our office at 800-638-8113

Small Business Health Insurance Plans for Employer Groups of 2 or more

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 April 1, 2009 Rates

Liberty Direct Plan & Freedom Direct Plans

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

$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

$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 & 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