The standard health insurance contract in NY includes so many clauses and exclusions that you frequently don’t learn the ins and outs until it’s too late. CrowdHealth plans have some limitations as well, but we’re upfront with them to help people make an informed decision. We also hope to eliminate many of the restrictions our plans have in the future. Let’s take a closer look at some of the limitations of our policies:
- Who is eligible for our plan?
Currently, enrollment in our health plans is open to the vast majority of healthy individuals aged 64 and below. If you maintain a healthy weight and take care of your health by avoiding obvious risks like tobacco, you’re likely to qualify for membership and save tons of money on your medical bills. Our family plans are a great way for groups to get significant discounts as well, so consider signing your whole household up.
- What about preexisting health conditions?
We will happily offer enrollment to an individual in New York with preexisting health conditions, but funding for care related to those conditions will be subject to a strict maximum. Members aren’t eligible for any funding related to their condition(s) in the first year, up to $25,000 in the second year, $50,000 in the third year, and $100,000 in the fourth year and thereafter. Short term prescriptions are always covered but count toward these maximums.
- FSA/HSA accounts
If an individual has a Flexible Savings Account (FSA) or Health Savings Account (HSA), they will not be able to use it for their monthly contribution to CrowdHealth. However, they can use it for their up to $500 per visit payments or any care they or their family might need that doesn’t involve CrowdHealth.