Exploring 1199 Insurance

1199 insurance is a health insurance plan that provides medical coverage to over 400,000 employees and their dependents in New York City. This article will explore what 1199 insurance is, how it works, and the benefits it offers.

What is 1199 Insurance?

1199 insurance is a comprehensive health insurance plan offered by the 1199SEIU United Healthcare Workers East. It is a non-profit union that represents healthcare workers across the country. 1199 insurance is designed to provide medical coverage to employees and their families, including hospital care, medical services, prescriptions, and dental and vision services.

1199 insurance is available to employees of various industries, including healthcare, human services, education, and childcare. The coverage is also extended to retirees and their dependents.

Who is Eligible for 1199 Insurance?

1199 insurance is available to employees of various industries, including healthcare, human services, education, and childcare. The coverage is also extended to retirees and their dependents. To be eligible for 1199 insurance, you must be a member of the 1199SEIU union.

The members of the 1199SEIU union include healthcare workers like nurses, physicians, and other medical professionals; service workers like janitors and security guards; and public employees like teachers and staff members.

If you are not a member of the 1199SEIU union, you can join the union by contacting your local union office or visiting the 1199SEIU website.

How to Enroll in 1199 Insurance?

To enroll in 1199 insurance, you need to be a member of the 1199SEIU union. If you are a member, you can enroll in the insurance plan during the open enrollment period, which usually takes place in the fall.

During open enrollment, you can choose from a variety of insurance plans offered by 1199SEIU. You can select a plan that suits your needs and budget. You will need to provide information about yourself and your dependents to enroll in the plan.

If you miss the open enrollment period, you may be able to enroll in the plan during a special enrollment period if you have a qualifying life event such as a change in your marital status, birth of a child or loss of other health coverage.

Benefits of 1199 Insurance

1199 insurance offers several benefits to its members.

1. Comprehensive Medical Coverage

1199 insurance offers comprehensive medical coverage that includes hospital care, medical services, prescriptions, and dental and vision services. The plan covers preventive care like annual checkups, cancer screenings, and immunizations.

The insurance plan also covers diagnostic tests like blood tests, X-rays, and MRI scans. It covers medical treatments like chemotherapy, radiation therapy, and surgery. It also covers emergency services and ambulance transportation.

2. Affordable Premiums and Low Out-of-Pocket Costs

1199 insurance offers affordable premiums and low out-of-pocket costs to its members. The premiums are based on your income and the plan you select. The out-of-pocket costs include deductibles, copays, and coinsurance.

The plan also offers a health savings account (HSA) that allows you to save on your medical expenses tax-free.

3. Prescription Drug Coverage

1199 insurance offers prescription drug coverage that includes generic and brand-name drugs. The plan covers drugs used to treat chronic conditions like diabetes, asthma, and heart disease.

The plan also offers a mail-order prescription program that allows you to order your medications online and have them delivered to your home. This can save you time and money.

4. Vision and Dental Coverage

1199 insurance offers vision and dental coverage to its members. The vision coverage includes eye exams, eyeglasses, and contact lenses. The dental coverage includes preventive care like cleanings, X-rays, and fillings.

5. Mental Health and Substance Abuse Treatment

1199 insurance covers mental health and substance abuse treatment. The plan covers outpatient and inpatient services, including counseling and therapy.

FAQ

1. What is the difference between 1199 insurance and other health insurance plans?

1199 insurance is a non-profit health insurance plan offered by the 1199SEIU union to its members. The plan is designed to provide affordable and comprehensive medical coverage to its members. Unlike other health insurance plans, 1199 insurance offers low premiums and low out-of-pocket costs to its members.

2. How much does 1199 insurance cost?

The cost of 1199 insurance depends on your income and the plan you select. The premiums are based on a sliding scale and can range from free to several hundred dollars per month.

3. Does 1199 insurance cover pre-existing conditions?

Yes, 1199 insurance covers pre-existing conditions. The plan is not allowed to deny coverage or charge higher premiums based on your medical history or health status.

4. Can I choose my healthcare provider with 1199 insurance?

Yes, you can choose your healthcare provider with 1199 insurance. The plan has a network of healthcare providers that you can choose from, or you can go out-of-network if you prefer.

5. Does 1199 insurance cover vision and dental care?

Yes, 1199 insurance covers vision and dental care. The plan includes annual eye exams, eyeglasses, and contact lenses. The dental coverage includes preventive care like cleanings, X-rays, and fillings.

Conclusion

1199 insurance is a comprehensive health insurance plan offered by the 1199SEIU United Healthcare Workers East. It provides affordable medical coverage to its members, including hospital care, medical services, prescriptions, and dental and vision services. The plan offers several benefits, including low premiums, low out-of-pocket costs, prescription drug coverage, and mental health and substance abuse treatment. If you are a member of the 1199SEIU union, you should consider enrolling in 1199 insurance for comprehensive medical coverage at an affordable price.