The question "Who needs Health Insurance" is easy enough to answer when you are speaking with a licensed agent. Anyone who needs health insurance has either call the insurance company directly or use a broker to find the best policy that they qualify for. A broker can also answer any questions that you have regarding the application process, cost, the available plans, and more. There are many different agents and brokers to choose from in order to ensure that you receive the plan that best fits your health needs.
Each health care plan will offer something different. Some of the most popular include coverage for maternity and children's hospital bills. Other benefits that are offered can include vision and dental care, emergency room services, hospital stays, hospice care, prescription drugs, hearing aids, emergency supplies, travel insurance, and physical therapy. A "one stop shopping" type of plan may offer everything that a consumer needs to be covered in their area. This is a type of plan that will require the consumer to choose from one major policy that includes most of the services that are listed above, as well as some "coverage extras" that are offered by the company.
The best way to find out who needs health insurance in New York is to speak with an agent or broker who can help you compare different policies that are available to you. The agents and brokers will be able to tell you what options you are given for your health coverage, and which ones will cost you the most money in the long run. If you are a new resident or just switching plans, it will be helpful to talk with an experienced agent to help you understand the entire process of getting a health coverage plan. The more information you have before you make your selection, the better your chances will be of finding the right plan to meet your needs.