Health insurance in New York is on the minds of many business owners. It is certainly not difficult to find New York medical coverage, but it can be a challenge to find the provider that is right for your company.

New York state health insurance companies are prepared to meet your company's demands. When you provide your employees with New York health insurance policies, you will find that your employees are absent less often. This, of course, increases your bottom line.

Before you look for NY health insurance:

1. Select the type of New York healthcare insurance you wish to provide. You can choose from HMO (Health Maintenance Organization), PPO (Preferred Provider Organization), and POS (Point of Service) plans. Each has distinct advantages and disadvantages, so choose wisely.

2. Decide how much your company can afford to pay for medical insurance. New York companies may pay for all of their employees' insurance, or they may require employees to pay a percentage themselves.

3. Make sure that the New York health insurance carrier you choose also covers dental and vision care. Some insurance companies do not include this in their main package offering.

Action Steps
The best contacts and resources to help you get it done

Request quotes from New York healthcare insurance providers online

Many business owners start by comparing the rates offered by the different health insurance companies in New York. Online sources make it easy to compare costs and products of several providers.

I recommend: You can receive free quotes on health insurance in New York when you fill out the simple forms at EHealthInsurance.com or NetQuote.com.

Consult an insurance agent to choose the health insurance company for you

A good health insurance specialist can explain the various New York medical coverage options available to you. This makes it easier to find the right New York health insurance provider.

I recommend: A great way to find an insurance agent in your area is to go through the National Association of Health Underwriters. They list members in all states.

Buy insurance directly from a New York state health insurance provider

Some companies find it more convenient to go directly to the insurance company to purchase their medical insurance. New York has many of the nation's leading insurance providers.

I recommend: Blue Cross and Blue Shield offers insurance programs in Western New York, and in other parts of the state through Empire Blue. Aetna is another popular choice for health insurance in NY.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Do not discount the wellness programs offered by your New York healthcare insurance provider. These programs increase wellness among your employees, causing the absentee rate to decrease. These plans are varied and include things like free flu shots, smoking cessation, and nutritional counseling. You would do well to encourage your employees to participate in these programs.
• •  If your employees frequently travel out of state, make sure that you select an insurance provider that will be available to them wherever they travel.