Dental work is very expensive if you have poor teeth or a large family with many children needing braces. Many people do not have coverage in force and need financial assistance to cover emergency bills.

Supplemental dental insurance in New York can make these expensive treatments far more affordable. Coverage makes sense for individuals, seniors, and low-income families.


New York health insurance plans often affect couples having difficulty conceiving. Many treatments are not covered, causing couples to pay out-of-pocket.

The average cost of IVF in New York varies by the price of treatments, success rates, laws protecting rights, and access to financial assistance.


One topic continually creates confusion – how to find, and where to send a New York State short-term disability claim form. The state program requires employers to purchase a conforming plan, but leaves the choice of insurer up to the employer.

The confusion starts with the multiple payer structure. Rather than one place to submit the form, there are many.


Federal regulations govern what happens to New Yorkers when they take leave from work because of a medical condition affecting a family member. Maternity leave is a common reason.

The state has several laws providing limited paid leave options, which are helpful when family members require medical care or are unable to work.


Certain healthcare benefit plans issued in New York State must comply with the infertility mandate. The requirements apply broadly, with exceptions for unions, government entities, and self-insuring employers. Coverage for IVF is not required.

Couples who are trying to conceive should understand the exceptions to improve the odds of finding a compliant option.


Traditional health insurance plans make payments directly to medical providers when members require care. They do not replace income when employees are unable to work because of a treated medical condition.

The New York State short-term disability program requires employers to purchase a minimal policy for employees, replacing only up to $170 per week.