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Answer: An employer is considered to have "provided" health insurance if the employer arranges for group health insurance and contributes more than $50 (or $75 if the business is located in the Bronx, Kings, Nassau, New York, Orange, Putnam, Queens, Richmond, Rockland, Suffolk, and Westchester counties) per month per employee towards the premiums for coverage. If an employer has merely arranged for health insurance coverage for employees but has not contributed more than the previously noted amounts, then the business may still be eligible for Healthy NY.
Answer: If your business has provided other insurance during the past twelve months, but the coverage included only limited benefits (for example – only medical benefits or only hospital benefits, but not both) then your business may still be eligible for Healthy NY.
Answer: The coverage of individual employees through other sources does not affect a small employer’s eligibility to participate in the Healthy NY program.
Answer: Your business would be eligible because the three employees who have other coverage count towards satisfying the minimum 50% participation requirement.
Answer: Healthy NY was designed to target those individuals who were completely uninsured. These so called "crowd out" provisions of the legislation are also designed to ensure that employers and individuals do not drop existing coverage in favor of this new product.
Answer: Yes, the employer may choose to offer coverage for dependents through the Healthy NY program. Qualifying dependents include dependent children up to age 26 and, under certain circumstance, through the age of 29. However, it may be financially beneficial to employees to obtain health insurance coverage for their children through New York’s Child Health Plus program, rather than Healthy NY. For more information about Child Health Plus, contact New York’s toll free hotline at 1-800-698-4543.
Answer: No. Employers must share in the cost of the Healthy NY premium for their employees. However, there is no requirement that the employer contribute towards the cost of dependent coverage.
Answer: Yes. On an annual basis, employers participating in the Healthy NY program are required to submit a re-certification that attests to their continued eligibility for the Healthy NY program. The employer’s health plan will notify participating employers of when this re-certification is due and will provide them with the necessary forms.
Answer: Mid-year fluctuations in group size, wage levels and employee participation will not result in immediate termination of Healthy NY coverage. However, Healthy NY requires an annual re-certification process at which time your business’ eligibility would be reevaluated. If your business does not meet the eligibility criteria at the time of re-certification, you will be unable to continue to participate in the program. Please note that the wage levels set forth in the eligibility criteria for the Healthy NY program are increased annually to account for inflation.
Answer: Yes, employers may offer coverage to part-time and seasonal workers who work less than 20 hours weekly, but they are not required to do so. If they choose to offer coverage to these employees, the employer may choose to contribute toward the cost of their premium but is not required to do so.
Answer: Yes, the annual wages of part-time and seasonal workers may be included for the purpose of determining an employer’s eligibility if the employer also extends coverage to part-time workers.
Answer: Small businesses must offer Healthy NY to all employees working more than 20 hours weekly and earning $40,000 or less annually.
Answer: HMOs that offer coverage in your county contract with certain health care providers in your area. To obtain the most current information about which health care providers are participating providers with an HMO, you should contact the HMO directly. A list of the phone numbers for the HMOs in your county may be found by selecting “Insurers and Rates”.
Answer: Children who are aging off a parent’s policy may be eligible for Healthy NY if they meet the other eligibility guidelines of the program.
Answer: Yes, you can cover temporary or seasonal employees on a month to month basis.
Answer: Yes, there are several other affordable options available to individuals, sole proprietors and small businesses. For a list of other programs and contact information, please visit this link.
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