Find a health care plan that fits you.
Your family is unique and so are your health care needs. We have specially trained Certified Application Counselors at select locations to walk you through enrolling in an affordable and comprehensive health care plan through the New York State of Health Marketplace. Health insurance enrollment help is free.
Types of health care insurance plans:
Qualified health care insurance plans
Qualified health care plans are insurance plans where you pay for coverage. They are reserved for individuals and families that make over 400% of the Federal Poverty Level. The monthly premium, deductibles, co-payments, and out-of-pocket expenses will vary depending on the plan and the family size. Often you can apply to get financial help to reduce the cost of health care in the form of premium tax credits or cost-sharing reductions. Generally, there is a deadline to enroll each year, but with the COVID-19 pandemic, deadlines for qualified health care plans have been extended.
Affordable health care insurance plans
There are many affordable and comprehensive health care plan options available for lower-income individuals and families. One of our Certified Application Counselors can provide you with health insurance enrollment help to get you set up. You can apply any time for these plans, although different plans have varying waiting time periods in which your coverage becomes active.
Medicaid
Medicaid is a public health insurance program that you qualify for based on your income and household composition. It provides insurance coverage for primary care, dental, behavioral health, nutrition counseling, and specialist services. Coverage is renewed every year on the anniversary of your initial enrollment and backtracked for medical services that occurred 3 months before enrollment. Medicaid becomes active within 48 to 72 hours of getting eligibility.
Expecting a baby? Medicaid provides insurance for eligible pregnant women. Coverage includes all pregnancy-related and post-partum care for up to 90 days following delivery and access to family planning services for one year. Undocumented women will have coverage through pregnancy and up to 90 days after delivery. Our Counselors are on-site to assist prenatal patients in determining eligibility.
Child Health Plus
We are a participating provider for Child Health Plus. Parents or caregivers over the Medicaid income threshold are eligible to enroll their child in Child Health Plus. If your child is already enrolled in Child Health Plus, your child can receive health care here at the center.
Through Child Health Plus, enrolled children can receive pediatric care, labs and x-rays, immunizations, prescription drug coverage, hearing, vision, dental coverage, and more. Monthly premiums vary depending on income.
Undocumented children newborn through 18 years are eligible to enroll in Child Health Plus.
The Essential Plans
Essential Plans are New York State-subsidized health care insurance plans. They are offered to qualified lower-income individuals and eligible immigrants ages 19 through 64 years. There are four Essential Plan types depending on income and immigration status. Coverage for Essential Plans 1 and 2 starts the following month after enrollment. Coverage for Essential Plans 3 and 4 begins within 48 to 72 hours after enrollment.
Essential Plans cover medical services that health insurance plans must cover under the Affordable Care Act. Monthly premiums are determined by income and household composition.
Need health insurance enrollment help? Visit us or get in touch with one of our Certified Application Counselors.
We are here to help. Please reach out directly to one of our counselors. Se habla espanol!