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If you suddenly meet with an accident do you think you will be able to cover all the lost income along with the deductibles and the co-pays, at the same time avoiding damage of the finances? In fact there is a very high chance that in spite of the health insurance providing outstanding coverage along with all the medical costs at the hospital it won’t be possible to emerge of the situation without hitting back at the pocketbook. So what becomes indispensable to deal with such situations is the supplemental health insurance that is specifically intended to help fill in the gaps that the normal health insurance policies leave uncovered. Furthermore, the supplemental New York Health Insurance can provide the necessary cash in order to tackle the living expenses and make it up for the lost wages as well.

The process in which the Supplemental Health Insurance policies work is a lot different from the way in which the standard and general health insurances function. In case of the standard New York Health Insurance Plans, the policy bears the cost of all the services that the doctor or the medical professional provides. In this case a deductible or co-pay needs to be paid and it is the health care provider who takes care of all the paperwork as well. So all the various advantages of the health insurance plan are directly paid to the doctor.

New York health insurance regulations define a “pre-existing condition” as one that has been diagnosed or treated within six months before you start a given policy.
http://www.healthinsuranceweb.com/states/new-york-health-insurance/