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New York

Applications for Family Health Plus will not be accepted after December 31, 2013, because of changes under the Affordable Care Act. Starting January 1, 2014, individuals should apply for health insurance coverage through the Marketplace; https://nystateofhealth.ny.gov/ The Family Health Plus Insurance program is limited to adults between the ages of 19 and 64. Coverage is [...]

Flexible Spending Account

Employees who are covered under an employer-sponsored health insurance plan can supplement their health coverage through a Flexible Spending Account (FSA). Employer-sponsored Flexible Spending Accounts must comply with IRS rules and regulations. FSAs offer employees the ability to pre-fund anticipated medical expenses that are not otherwise covered under the health insurance plan. Flexible Spending Accounts [...]


The primary care physician is not always the first stop when it comes to feeling better. Many patients prefer to seek the alternative care of a chiropractor. While not all ailments are solved through chiropractic adjustments, policyholders like having the option of deciding which type of care to choose. The good thing is that health [...]

Having health insurance does not always mean that 100% of every procedure is covered. Sometimes policyholders are stuck paying for a large portion of the claim. The financial concern causes some people to put off much needed procedures because the health insurance company will only cover a portion of the expense. The uncovered portion, whether [...]

I interrupt this blog to bring you an insurance rant… As a former insurance broker, I understand what goes into underwriting an insurance policy. I also understand that there are rules and regulations that insurance companies and agents must follow. Without those rules, the insurance industry would be in chaos. My Health Insurance Rant I’m [...]

With the rise in patients seeking acupuncture as a viable pathway to optimal health, many group health insurance plans now offer coverage for alternative therapies. Acupuncture, previously considered by some as Eastern quackery, has proved itself to be a growing trend for patients looking for alternative ways to resolve medical conditions unsuccessfully treated by the [...]

My daughter broke her arm. We only had to pay $100 for the emergency room visit (they asked about our insurance before they asked about her condition). The doctor that tended to her in the emergency room was not an approved doctor by my insurance company so I had to find a doctor that was [...]

Health Insurance

Can an unemployed or self-employed person find an individual health plan? I always thought that once you are unemployed, or self-employed, you were going to pay through the nose for insurance. If you were laid off from your job, you get to spend a lot of money monthly on COBRA payments. (Consolidated Omnibus Budget Reconciliation [...]

Quality long-term care is very important for many of these older Floridians. The Florida Agency of Health Care Administration (AHCA) regulates health care facilities throughout the state and also administers Florida’s Medicaid program. Below are a few of the long-term care facilities regulated through AHCA: Assisted Living Facilities: Provides long-term care housing, meals and some [...]

In the state of New York, you may qualify for low-cost health insurance if you are a small business, sole proprietor or individual. In 2000 the NY Legislature enacted regulations in response to the Governor’s proposal to make available comprehensive insurance coverage for New York workers and their families who are uninsured. The name of [...]