Question 1

为什么基本计划保费为 0 美元？

Accepted Answer

基本计划由 NY State of Health 资助，以帮助符合条件的申请人获得健康保险。

Question 2

基本计划涵盖哪些服务？

Accepted Answer

这里列出了 10 项基本健康益处及其含义。
处方药联邦政府对批准的处方药进行了分类。必须涵盖每个类别中的一个。
儿科服务这包括牙科保健、视力保健、儿童健康检查、疫苗接种和免疫接种。必须为 19 岁以下的儿童提供牙科和视力保健服务（儿科口腔保健服务可包括每年两次常规牙科检查；眼部保健可包括每年一次眼科检查）。
预防和健康服务以及慢性病管理这包括饮食咨询、结直肠癌筛查、2 型糖尿病筛查和免疫疫苗等服务。
紧急服务这是您真正需要尽快护理的急诊室之旅。这意味着如果医院没有网络，您将不会受到处罚。
住院作为住院治疗的一部分，您在医院接受的治疗。计划可能会限制延长住宿的承保范围。
心理健康和成瘾服务这包括治疗行为健康、提供咨询或提供心理治疗的服务。
怀孕、产妇和新生儿护理这些服务可在分娩前、分娩期间和分娩后不久为您和您的宝宝提供护理。
门诊病人服务这是您无需住院即可接受的门诊护理。
实验室服务这包括用于诊断、评估有效性的测试以及一些预防性筛查。
康复和康复服务和设备如果您受伤、有残疾或患有慢性病，这些服务可帮助您康复。服务可能包括物理治疗、职业治疗或言语治疗。

Question 3

谁有资格？

Accepted Answer

1。纽约州居民；
2。能够满足基本计划的收入要求； 
3。在美国合法居留；
4a。至少 21 岁的 F-1 学生； 
4b。 OPT/CPT（至少 21 岁）；
4c。 19-64岁（非移民至少21岁）； 
5。不符合 Medicaid 或 Child Health Plus 的资格； 
6。不符合雇主保险的条件。

Question 4

基本计划是否涵盖州外访问和外国医疗服务？

Accepted Answer

很遗憾没有。 
Essential Plan 网络位于纽约州内。当您不在纽约州时，您只能享受紧急和紧急护理。

Question 5

Does Essential Plan affect my immigration/visa status (OPT, H1B and then Green card application)?

Accepted Answer

No.
Enrolling in the Essential Plan will not affect your immigration status as this is a state funding instead of a federal benefit. 
Further more, the public charge rule is no longer in effect according to USCIS.

Question 6

How can I enroll in Essential Plan?

Accepted Answer

You can submit the application document by filling out the form on our website and submitting the related documents.

Question 7

Can I waive my school insurance with the Essential Plan?

Accepted Answer

Depends on which school you are enrolling in. Your school health center can make final decision, please check their website to see if the Essential Plan meets the school waiver requirement

Question 8

What is the process to waive my school insurance with the Essential Plan?

Accepted Answer

The waiver process varies and depends on the school. We will assist you in the process after you enroll in Essential Plan.

Question 9

I already have Essential Plan, can you still help me?

Accepted Answer

Yes, if you got essential plan, we can still help you if you agree, we can contact NY State of Health to change your Insurance representative.

Question 10

I'm in OPT status. Am I eligible for the Essential Plan?

Accepted Answer

OPT visa holder and also meets the following requirements are eligible for Essential Plan:
1. live in NY State
2. meet Essential Plan income guideline
3. over 21 years old
4.not eligible for group insurance

Question 11

What is the income guideline for Essential Plan?

Accepted Answer

According public information, NY State set the income guideline as follows:

For single person:

Essential Plan 1 - Individuals with annual income greater than $20,385 and less than or equal to $27,180.

Essential Plan 2 -   Individuals with income greater than $18,755 and less than or equal to $20,385.

Essential Plan 3 - Individuals with income equal to or greater than $13,590 and less than or equal to $18,755, and not eligible for Medicaid due to immigration status.

Essential Plan 4 - Individuals with income below $13,590, and not eligible for Medicaid due to immigration status.

If you need information about income guideline for a family of more than 1 person, please contact us.

Question 12

Can my plan be terminated?

Accepted Answer

Yes, you can voluntarily terminate it, or if your circumstance changed and you will be involuntarily ineligible:
- If you fail the income guideline
- Immigration status expired
- move out of New York State
your Essential Plan might be terminated.

Question 13

How will I receive my insurance card and how long will it take?

Accepted Answer

Generally the insurance card will arrive to your MAILBOX in about 10 business days.

Question 14

Will the essential plan cover pregnancy and maternity?

Accepted Answer

Yes, it covers family planning and OB check up.
However, the New York State of Health requires that you report your pregnancy when you found you're pregnant. And then, the system will turn your essential plan into Medicaid.

Question 15

When can I enroll in Essential Plan?

Accepted Answer

Enrollment for the  Essential Plan is open  all year long.

Frequently asked questions

为什么基本计划保费为 0 美元？

基本计划涵盖哪些服务？

谁有资格？

基本计划是否涵盖州外访问和外国医疗服务？

Does Essential Plan affect my immigration/visa status (OPT, H1B and then Green card application)?

How can I enroll in Essential Plan?

Can I waive my school insurance with the Essential Plan?

What is the process to waive my school insurance with the Essential Plan?

I already have Essential Plan, can you still help me?

I'm in OPT status. Am I eligible for the Essential Plan?

What is the income guideline for Essential Plan?

Can my plan be terminated?

How will I receive my insurance card and how long will it take?

Will the essential plan cover pregnancy and maternity?

When can I enroll in Essential Plan?

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Frequently asked questions

为什么基本计划保费为 0 美元？

基本计划涵盖哪些服务？

谁有资格？

基本计划是否涵盖州外访问和外国医疗服务？

Does Essential Plan affect my immigration/visa status (OPT, H1B and then Green card application)?

How can I enroll in Essential Plan?

Can I waive my school insurance with the Essential Plan?

What is the process to waive my school insurance with the Essential Plan?

I already have Essential Plan, can you still help me?

I'm in OPT status. Am I eligible for the Essential Plan?

What is the income guideline for Essential Plan?

Can my plan be terminated?

How will I receive my insurance card and how long will it take?

Will the essential plan cover pregnancy and maternity?

When can I enroll in Essential Plan?

​如果FAQ没有显示，请手动点击->

如果FAQ没有显示，请手动点击->