The Best Affordable New York Group Health Insurance Plans from the National Association of Socially Responsible Organizations (NASRO), with Ethical Advice and Personalized Service for Non Profits, Businesses, Sole Proprietors, Professionals and Self Employed People - Call 800-638-8113
Do You Now Need a Less Expensive Group Health Insurance?
NASRO Is a Non Profit. We Work as Health Care Consultants and
Do Not Represent the Financial Interests of the Insurance Companies.
Non Profits Know What It Means To Be Socially Responsible.
We Set the Standards For Small Buiness to Follow.
Only basic information is needed. Health Insurance from your friendly non profit means no annoying phone calls and your privacy is protected.
 
To Find the Best New Metropolitan New York City Health Insurance Plans Call Us For Rates and Benefits At Union Square In Manhattan
Don't Just Accept Health Insurance Company Increases!
Health & Human Services Department Issues Guidelines on New Business Health Insurance Tax Credit
How To Save Money This Year!
NASRO of New York is a Co-op 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. For example, 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 inflicting real harm on people and must be changed before 2014. We also 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, ConnectiCare, Aetna, Blue Cross & Blue Shield, CIGNA, Amalgamated Life, Met Life
New York State
NASRO has just been able to process an overage dependent and get her coverage on her parents sole proprietor plan, off cycle. The new law to cover dependent children in New York State through age 29.
More Affordable New York Health Insurance Plans for Sole Proprietors, Self Employed People, Contractors and Freelancers - 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/$4,000
In Network Coinsurance $80% to 10k
Out of Network Deductible $2,000
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
Office Visit Co payment $25 P,$50 S
In Network Deductible $2,000 S/$4,000 F
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 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
GHI High Option PPO 2010 Sole Proprietor Plan Description
Available in the counties of Bronx, Kings, Nassau, Queens, Richmond, Rockland, Suffolk and Westchester
HIP Sole Proprietor Plans
These plans like the plans we offer with the Neighborhood Health Plan in Massachusetts and the Group Health Co-operative in Washington State, are group model HMO's that have the lowest cost medical system in the their states. It is very important if you believe in universal health care that you enroll in HIP through NASRO, because NASRO is the only non-profit health insurance co-op in New York that is really working every day for Single Payer, Medicare for All, universal health care that will free the middle class from the burdens imposed on them through the high prices of the insurance companies. Give us a call and give us a chance to prove ourselves!
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 Is Now Possible
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.
Small Group Coverage
Aetna
New York Plan Guide
New Jersey
Oxford Group Plans
Horizon Blue Cross Blue Shield Group Plans
CIGNA
Aetna
New Jersey Plan Guide
Connecticut
Oxford Group Plans
ConnectiCare
ConnectiCare Value Proposition
ConnectiCare Product Overview
Aetna
Connecticut Plan Guide
CIGNA
Who Started NASRO?
Veteran Health Care Consultant & Consumer Advocate, Robert Gaw, NASRO President & Founder, who is still fighting for universal health care that will lower prices
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.
After I join a new plan how do I know my new New York health insurance coverage is effective?
As soon as NASRO is informed your coverage is approved a copy of the confirmation letter from the carrier 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.
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.
Medicare Supplement Plans
HIP VIP Premier Medicare 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 2010 Rates
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)
Higher Levels of Coverage for Dependent Children! Young Adults Can Now Be Covered on Their Parents Health Insurance Until Age 29 As Part of a New Law Passed in New York State in 2010!
New York Group Life Insurance & Disability Coverage for Short Term and Long Term Disability
New York Employers Are Required to Provide Disability Benefit Law Coverage
New York, New Jersey & Connecticut 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
> 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
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
May 03, 2010
States Indicate Interest in Administering High-Risk Pools
By the end of Friday, officials from 28 states and the District of Columbia had informed HHS that they will administer their own high-risk pools to comply with a provision in the new health reform law, instead of allowing the federal government to implement the program for them, Politico reports.
Meanwhile, 15 states indicated that they will transfer the responsibility of administering the pools to the federal government (Haberkorn, Politico, 5/3).
Under the program outlined in the new health reform law, states are permitted to create their own pools or expand existing ones, or they could allow the federal government to implement such a pool for them. The law allocates $5 billion for the program (California Healthline, 4/27).
U.S. residents will be eligible for coverage under the pools if they have a pre-existing condition and have been without health insurance for at least six months (Levey, Los Angeles Times, 5/1).
Many of the states that opted out of the program already have pools that only need to be expanded or modified to meet the new federal requirements, Politico reports. According to Politico, most of the states that decided to use their own high-risk pools have Democratic governors, while most of the states that are defaulting to the federal government's programs have Republican governors (Politico, 5/3).
Among the states that have opted to operate their own high-risk pools are:
- California;
- Illinois;
- Maryland;
- Michigan;
- Missouri;
- New Jersey;
- Ohio; and
- Washington.
States that have chosen to let HHS run their programs include:
- Hawaii;
- Idaho;
- Louisiana;
- Nevada; and
- Tennessee.
On Friday, HHS announced the allocation of the $5 billion for the pools, according to The Hill. California will get the largest share of $761 million, while three states -- North Dakota, Vermont and Wyoming -- each will receive $8 million.
States Concerned With Potential Costs
The high-risk pools are scheduled to begin operating on July 1 and expire in 2014, when the overhaul requires private insurers to accept all applicants regardless of pre-existing conditions (Pecquet, The Hill, 5/1).
Although the deadline for states to declare their positions to HHS was Friday, several states still have not responded.
However, HHS spokesperson Jenny Backus said the agency is happy with the response. Backus added, "Whether states create these pools or the federal government creates them for states, the pools will be paid for by 100% federal dollars" (Politico, 5/3).
Concerns over the program's cost and fears that states would be responsible for some portions of it until 2014 played a key role in several states' decisions to reject the government plan, the Los Angeles Times reports.
Last month, officials from Georgia and Nebraska wrote to HHS Secretary Kathleen Sebelius expressing their concerns (Los Angeles Times, 5/1).
According to The Hill, CMS Chief Actuary Rick Foster noted in an analysis of the new reform law released last month that "by 2011 and 2012 the initial $5 billion in federal funding for this program would be exhausted, resulting in substantial premium increases to sustain the program; we anticipate that such increases would limit further participation" (The Hill, 5/1).
NASRO Is Working For New York State Communities
NASRO of New York
Union Square
New York City
800-638-8113
NASRO of California
609 Deep Valley Drive, Suite 200
Palos Verdes Peninsular, CA 90274
424-237-9647, 800-638-8113
Fax - 800-562-8588
Tell Other Organizations, Friends or Associates About NASRO
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