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How to Find a GHI Health Insurance Plan

May 6th, 2009

The New York City tri-state area consists of New York State, New Jersey, and Connecticut. Many insurance companies, such as Cigna, Kaiser Permanente, Blue Cross Blue Shield, and others are are competitive in their services, while providing for the health insurance needs of sole-proprietors, and the small business owners in the tri-state area. Sole proprietors need health insurance that is comprehensive and affordable. The need for low cost health insurance for the self-employed is paramount to the rising cost of health care.

Group health insurance  ( GHI health insurance )for self-employed individuals is often more affordable than individual health insurance, especially if you also have a family in need of health care. GHI  health insurance (group health incorporated) offers benefits for inpatient and outpatient services. GHI health plan coverage is quite versatile. GHI insurance includes pharmacy coverage, which is a valuable perk, due to the rising cost of prescription drugs. You can streamline a GHI health plan to suit your insurance needs. You can choose doctors that are in or out of the network. You can choose an HMO, or a PPO network. An HMO gives you fewer options. You have to choose a doctor and health care facility within the HMO network, while a PPO allows you to choose the doctor and hospital of your choice. Healthy New York insurance is included in the GHI insurance plans for those who are eligible in the New York area.

Before purchasing health insurance of any kind, you should know the language related to the industry. For instance, you must be familiar with words and phrases, such as, deductibles, reimbursement, indemnity, and pre-existing conditions. To find the health insurance plan that is a good fit for your self-employment needs, you need to know what an insurance plan covers, and doesn’t cover.

What do you need to know about health insurance before signing up?

Do I have to cover all of my health care expenses and then be reimbursed?
Do I need to pay a copay when I see a doctor?
Do I need to pay a copay if I go to an emergency care facility?
Does my health insurance plan cover wellness visits?
Is the premium affordable enough for my budget?
Is physical rehabilitation covered?
Will mental health care be covered?
Is catastrophic illness covered?

When choosing any type of self-employed health insurance coverage, it’s good to know ahead of time what your specific needs are, and just how much insurance you can afford. you need to know if you will be required to pay for your health care upfront and then get an indemnity, or if you will only need to offer a copay when you need health care.

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