Nys Health Insurance

If a person wishes to change nys health insurance coverage as a result of a birth, death, or other change in family status, he or she must submit an application for change to the agency health benefits administrator in the personnel office. An employee's spouse or dependents are eligible for continuation of coverage for up to 36 months upon the employee's death, entitlement to nys health insurance or following a divorce or legal separation, or when dependent children reach the maximum age for coverage under the plan. The federal Consolidated Omnibus Budget Reconciliation Act (COBRA) of 1986 requires the State to provide for continuation of nys health insurance coverage for up to 18 months for employees who lose coverage due to voluntary or involuntary termination (other than for gross misconduct) or reduction in work hours.

Both have different approaches to nys health insurance protection, but they both provide a full range of benefits and the opportunity to limit out-of-pocket expenses. New York State offers two health insurance options for its employees, which are the Empire Plan or enrollment in a Health Maintenance Organization (HMO). For Family coverage, the State pays 90 percent of the cost of your premium as the enrollee, plus 75 percent of the additional cost for Family coverage. If you are enrolled in an HMO, the State's maximum contribution toward the cost of your premium will be 100 percent of its dollar contribution to the hospital/medical/mental health and substance abuse components of the Empire Plan premium.. If one is enrolled in the Empire Plan, the State pays 90 percent of the cost of your premium for Individual coverage and you pay the remaining 10 percent.