Your eligibility for the 2021 plan year of New York State or federally-sponsored programs, financial assistance, or tax credits is determined by your household income and size compared to the Federal Poverty Level and other requirements.
For questions about health plans and income eligibility, call Univera Healthcare at 1-888-576-6542.
If you are in a situation where you have not applied or have not yet been approved for unemployment, you can assume that income as zero until you start receiving unemployment benefits.
When applying for health insurance, be prepared with the following information:
Get expert advice from our Facilitated Enrollers, available for phone appointments, and in-person appointments in certain counties. To schedule your appointment, call 1-888-669-3911.
Outside the annual open enrollment period (February 2-October 31), you may qualify to buy or change your health insurance coverage if you experience certain life events, within 60 days in most cases. For Medicare, refer to our Medicare Advantage Timeline for specifics on when you may switch your Medicare coverage.
Life Events include: getting pregnant, having a baby, adopting a baby, change in marital status, moving, losing coverage from your employer, or aging off of a parent’s health plan.
By Phone: For an immediate response, call the number on your Member Card for personalized care. Don't have your card handy? Contact numbers are available here.
There are two times when you can buy health insurance: Open Enrollment and Special Enrollment Periods.
During Open Enrollment, anyone can purchase health insurance. For coverage to begin in 2021, individuals and families can enroll from November 1, 2020 to March 31, 2021. Enrollment is available for the Essential Plan, Medicaid and Child Health Plus all year long for those who meet NYS qualifications for income, household size and immigration status.
Keep In Mind: To have coverage in place by January 1, you must enroll by December 15.
Outside the annual open enrollment period (February 2-October 31), you may qualify to buy or change your health insurance coverage if you experience certain life events, within 60 days in most cases.
Life Events include: getting pregnant, having a baby, adopting a baby, change in marital status, moving, losing coverage from your employer, or aging off of a parent’s health plan.
To talk to one of our dedicated Insurance Advisors today about your options, call 1-888-669-3911.
Eligible individuals can enroll for 2020 coverage from October 15 — December 7.
If you’re turning 65, you can enroll in Medicare from the period that extends 3 months before to 3 months after the month of your 65th birthday. For example, if you turn 65 on July 4, you can enroll anytime between April 1 and October 31.
Please refer to our Medicare Advantage Timeline to view specifics on when you may join or switch your coverage.
Make sure your medications, including maintenance drugs and contraceptives, are covered by the insurer. Univera Healthcare, for example, covers more than 50 prescription contraceptives. You can review the prescription drug lists covered by our plans at UniveraHealthcare.com
Use our Find a Doctor tool to look for physicians in your area that accept your Univera Healthcare plan.
Ask if the plan covers emergency care anywhere in the world. You may also want to inquire as to whether the plan has a telemedicine program that provides 24/7 access to a doctor by phone or video chat when you have a minor health issue and can't see your physician.
You may be eligible for financial help based on your household income and size. Or, you could qualify for the Essential Plan, for $0 or $20 a month. Use our calculator to see if you qualify.
Are dental benefits available?
Stay Connected