Medicare or other affordable health insurance?


Question:
I live in NYC, just moved here and need to find relatively affordable health insurance. Up till now was covered by plans through employers. Is Medicare decent coverage? Is it very different from others?

Answer:
Zippy is right on this one. You are not eligible for Medicare unless you are 65 or older, or are disabled, or have been diagnosed with renal failure. If none of these 3 apply, you cannot get Medicare coverage. Medicaid is a program administered jointly by the State and Federal government. You must meet certain income guidelines in order to qualify.

If you are not employed and are looking for individual coverage, I suggest that you contact one of the big insurance carriers in NY, like Empire BC/BS, HIP of NY, to see what products they have available to individuals.
If you're under 65 years old, you can not apply for Medicare, if you're making no money, you can try to apply for Medicaid. However, consider Healthy New York if you have a job. It's better than straight Medicaid - which many private physicians are no longer accepting.
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