Table of Contents

New Jersey.

New York.

Texas.

You can email us at info@healthcarechoices.org
if you are looking for information about a particular state which we have not yet covered and we will try to help you.

New York.

All Health Maintenance Organizations ("HMOs") in New York must offer 2 types of standardized comprehensive health insurance plans to individuals. Both types of plans are managed care plans. One of these is a traditional HMO plan. The other is a "Point-Of-Service" plan which gives patients the option of picking a doctor or other health care provider outside of an HMO’s provider network.

The New York State Insurance Department publishes the "New York Consumer Guide to Health Insurers". The Guide can be downloaded from the Department’s website in Adobe Acrobat format. If you do not have the Adobe Acrobat reader there is a link on the Insurance Department’s website to Adobe’s website where you can download this software for free.

Also available on the Insurance Department website are the Premiums charged by different HMOs for these standardized health plans. The premiums are also in Adobe Acrobat format.

The New York State Health Department publishes "1998 Quality Assurance Reporting Requirements A Report on Managed Care Performance" which contains comparative information on various quality measures reported to the Department by New York commercial and medicaid managed care plans.This Report Card can be downloaded from the Department’s website in Adobe Acrobat format. If you do not have the Adobe Acrobat reader there is a link on the Health Department’s website to Adobe’s website where you can download this software for free.

New York State's Child Health Plus program subsidizes the cost of private health insurance for lower income families. Read the article on Child Health Plus from our April 1998 newsletter which has been updated to reflect recent legislative changes to the program.

Texas.

The Texas Department of Insurance publication "Insurance for Texans With Disabilities"  discusses various protections available under Texas law for people with disabilities and the circumstances under which insurers can deny coverage or apply exclusions for pre-existing conditions. Information is also provided on filing complaints against insurance companies and the Texas Health Insurance Risk Pool which may be able to provide coverage if an individual cannot obtain private health insurance. Telephone numbers for contacting the Department and other organizations are also provided.

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