I did read your post on "health ins.in buffalo ny" & wanted to do some more research before I responded to you. So I am going to share what I already know & will follow up with you if/when I learn more.
NY (especially upstate) is a tough market for obtaining Individual and/or Family health insurance. That is because NY is a) a guaranteed issue state, which means no one can be declined based on their health history & b) community rated which means all residents of one area pay the same for a plan regardless of their age. Under the circumstances you need to decide if spending the $1000 is the best course of action or can you go with a less expensive plan that covers fewer benefits. GHI offers a rather catastrophic PPO plan that covers hospital stay, surgeries and prescription medications, but doesn’t pay for office visits. You might think, why would I buy insurance if it doesn’t pay for office visits? Well that’s what you have to decide whether it makes more sense to spend $1000 month & have your office visits covered or would you rather spend $388 a months & pay for those visits out of pocket. The details of the GHI Alliance Value plan can be found through a link to eHealthIsnurance.com under “Get Quotes” on this Forum & you can call eHealth & speak to a licensed rep with any questions about the plan.
Copyright 1994-2018MedHelp.All rights reserved. MedHelp is a division of Vitals Consumer Services, LLC.
The Content on this Site is presented in a summary fashion, and is intended to be used for educational and entertainment purposes only. It is not intended to be and should not be interpreted as medical advice or a diagnosis of any health or fitness problem, condition or disease; or a recommendation for a specific test, doctor, care provider, procedure, treatment plan, product, or course of action. MedHelp is not a medical or healthcare provider and your use of this Site does not create a doctor / patient relationship. We disclaim all responsibility for the professional qualifications and licensing of, and services provided by, any physician or other health providers posting on or otherwise referred to on this Site and/or any Third Party Site. Never disregard the medical advice of your physician or health professional, or delay in seeking such advice, because of something you read on this Site. We offer this Site AS IS and without any warranties. By using this Site you agree to the following Terms and Conditions. If you think you may have a medical emergency, call your physician or 911 immediately.