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-> New York related Inquiries
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amother
OP
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 Fri, Nov 29 2024, 11:10 am
Anyone know how I can get insurance in nj ? Want to use nj hosp near monsey
Is there any organization in monsey that helps with this ?
We cannot get employer/employee insurance that we have tried in the past and is not an option
Thanks
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amother
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Fri, Nov 29 2024, 11:35 am
Depending on your insurance, there is sometimes a provision for care in a state that borders yours. You need to ask and find out- if so, you would need a letter of why going there is a medical need. Of you have used them before and it was your regular place, that's called continuity of care and makes it easier. If this is an OB thing, not sure if having all previous babies there counts, but it might if you've bewn seeing the same OB and that's where they deliver.
If this is something big that could be life threatening or is very severe, Chai Lifeline has helped people get coverage.
Otherwise, you may be up a creek. It's pretty rotten that you can't buy out of state coverage even if you have the money.
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amother
Turquoise
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Fri, Nov 29 2024, 12:03 pm
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Typically you cannot, NY marketplace insurance will not cover any out of state care barring an emergency
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amother
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Fri, Nov 29 2024, 2:13 pm
You need a commercial policy that covers both states.
Can get through a private insurance broker
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amother
Stoneblue
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Fri, Nov 29 2024, 2:47 pm
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I have Cigna which covers both NY&NJ it’s through an employer plan though.
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amother
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Fri, Nov 29 2024, 3:31 pm
| amother Currant wrote: | You need a commercial policy that covers both states.
Can get through a private insurance broker |
To my knowledge, there is no non-employer plan that covers out of state. There used to be one, and it was very expensive. Then they changed their rules recently and no more. But it's possible things have changed again since I checked.
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wannabe1
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Fri, Nov 29 2024, 4:06 pm
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United Refuah Healthshare. They cover doctors/hospitals anywhere. The only issue with this insurance is if you're already pregnant. They consider pregnancy a pre existing condition that isn't covered.
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Ellie7
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Fri, Nov 29 2024, 5:22 pm
| wannabe1 wrote: | | United Refuah Healthshare. They cover doctors/hospitals anywhere. The only issue with this insurance is if you're already pregnant. They consider pregnancy a pre existing condition that isn't covered. |
This has been discussed here before, but this is NOT health insurance.
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wannabe1
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Sat, Nov 30 2024, 7:19 pm
| Ellie7 wrote: | | This has been discussed here before, but this is NOT health insurance. |
I havent been active until recently and haven't seen anything about it. But in this case, the OP has NY insurance. It may be helpful for her to have as a secondary just to cover the hospital stay in NJ.
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amother
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Sat, Nov 30 2024, 8:19 pm
| wannabe1 wrote: | | I havent been active until recently and haven't seen anything about it. But in this case, the OP has NY insurance. It may be helpful for her to have as a secondary just to cover the hospital stay in NJ. |
They won't cover the hospital stay. Its a preexisting condition even if she has insurance
She can to hospital through ER and then she'll be covered on any plan
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