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COBRA - Keeping Employer Group Health Insurance After a Job Ends - Federal & New York State Protections
Here are resources on rights to continue coverage after losing one's job, under the federal "COBRA" law. FEDERAL INFO on COBRA US Dept. of Labor COBRA Webpage One-year tolling period during pandemic - extra one year to elect COBRA -- this special enrollment period extends until 60...
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Patients' Rights in the Health Care System
Managed Care Bill of Rights New York State has a fairly progressive managed care bill of rights which is found in both the Public Health and Insurance laws. Disclosure. Managed care plans must tell their patients about the coverage offered, benefit packages, prior authorization rules,...
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Health Plan Appeal Rights in New York After the Affordable Care Act
Samuel Salganik, an attorney at Community Health Advocates of the Community Services Society (CSS) wrote this incredibly thorough article breaking down the types of appeal rights available to individuals covered by the various types of private health insurance plans in New York. This article...
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Saving Money on Prescription Drugs if You're Uninsured or Underinsured: Discount Cards and PAPs
Prescription drugs can be the most expensive healthcare cost for many people. Those who are uninsured are typically stuck with paying full retail price for prescription drugs at the pharmacy counter, which can be hundreds or thousands of dollars per month. Even those who have health insurance -...
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Annual Open Enrollment Period for Qualified Health Plans Begins November 16, 2023
The annual open enrollment period for Qualified Health Plans on the New York State of Health exchange starts November 16, 2023. Go to the New York State of Health website to look at plan options and enroll. You must enroll by December 15, 2023 for coverage starting January 1, 2024. Even if you...
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2015 NYS Law Gives Protection from Surprise Bills and Emergency Services
The NYS Surprise Bills for Health Care Services Law went into effect in New York State March 31, 2015, protecting some consumers from "surprise bills" when services are performed by a non-participating (out-of-network) doctor at a participating hospital or ambulatory surgical center in your HMO or...
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No Surprises Act 2022 – Understanding Consumers’ Rights against Surprise Medical Bills
Starting January 1, 2022, there are new protections that prevent surprise medical bills under the federal No Surprises Act (NSA), Pub. L. No. 116-260, 134 Stat. 1182, Division BB § 109. If you have private health insurance, these new protections ban the most common types of surprise bills. If...
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