Off NY Health Exchange - Individuals Health Plans / Rates‏

If you are looking for individual health insurance for you or your family, please contact our office for assistance 631 499 1180 or service@thehabermangroup.com

General Overview
Most health plans are divided into four categories:

  • Platinum: Copay only plan / In Network only
  • Gold: Deductible must be satisfied first then copays apply / In Network only
  • Silver: Deductible must be satisfied first then copays apply / In Network only
  • Bronze: High Deductible Health Plan (HDHP) and HSA compatible / In Network only
  • Referrals:
    Not Required on any Oscar or CareConnect plan – Non gated
    Required on all Empire plans – Gated

Effective dates: 1st of the month / Deadline to enroll is the 14th of the month prior to effective date. No exceptions will be made by the carrier.

Search Provider network…see below

Network: Make sure ask the provider if they "participate".

Oscar
Network: Oscar
Website: https://www.hioscar.com/search/NY/doctors?year=2017
Service area:  Bronx, Kings, Nassau, New York, Queens, Richmond, Rockland, Suffolk and Westchester Counties
Traveling  Outside of the service area: Emergency coverage only at a hospital, telemedicine service available 

CareConnect
Network: CareConnect
Website: http://www.nslijcareconnect.com/
Service area:  Bronx, Brooklyn, Manhattan, Nassau, Queens, Staten Island, Suffolk and Westchester Counties
Traveling  Outside of the service area: Emergency coverage only at a hospital, participating urgent care centers, telemedicine service available  

Empire
Network: Pathway (Not the National PPO) 
Website:  https://www.empireblue.com/health-insurance/provider-directory/searchcriteria
Service area: Albany, Clinton, Bronx, Columbia, Delaware, Dutchess, Essex, Fulton, Greene, Kings, Montgomery, Nassau, New York, Orange, Putnam, Queens, Rensselaer, Richmond, Rockland,
Saratoga, Schenectady, Schoharie, Suffolk, Sullivan, Ulster, Warren, Washington, and Westchester Counties
Traveling Outside of the service area: Emergency coverage only at a hospital

Do you need help with Individual health Insurance?

The Haberman Group is always here to assist you navigate through the individual/family health insurance marketplace. We are ready to assist you with: enrollments, plan changes, coverage/billing questions, claim adjudication and more. Due to the insurance carrier's reduced/eliminated Broker Fees, we must begin charging our Individual Health clients an annual Administration Fee of $125.00. As always, you have the option of setting up your enrollment yourself and communicating directly with the carrier. If you would like us to assist you, complete the form below and submit an online payment for the annual Administration Fee.

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