Affinity
Affinity health insurance policies are offered through Affinity Health Plan, a low cost health care organization based out of New York. The purpose of Affinity is to offer low cost health insurance policy options and alternatives to New York area residents. As Affinity is a non-profit organization, it has several significant advantages over for-profit companies, including lower than average rates and superior coverage relative to the cost of each plan. However, there are also limitations to the non-profit; as their purpose is primarily to offer low cost and free health care to New York residents, some applicants may be ineligible for an Affinity health insurance policy based on income or location.
Compared to other non-profit health care organizations, Affinity Health Plan is relatively large. The organization has over 200,000 members. This has enabled Affinity to offer several different types of health insurance and health care assistance to its members. Options include Medicare Advantage programs, Medicaid managed care programs, child health care, a state subsidized Unicare program and many other offerings built around the needs of low income New York residents. Income requirements vary and depend on several factors, especially the number of members in the applicant's household. Affinity Health Plan is based in the Bronx and is a very local health care provider. They only offer plans to New York metropolitan residents, so out-of-state buyers should not consider Affinity as a health insurance provider.
Affinity health insurance plans have received high rankings from several state insurance reviews for exemplary health care assistance in the New York metropolitan area. The organization has an A.M. Best ranking of A-, indicating superior financial strength and a good potential for long term survival and growth – important factors to consider when choosing an insurance provider. Affinity also has an excellent compliance record and has shown superior attention in the areas of patient care and cost. A health insurance plan through Affinity Health Plan is generally considered to be a protective policy, although the exact attributes of each plan differ depending on the age and health of the applicant as well as many other factors.
As with all health insurance providers, Affinity Health Plan's rates vary, although they tend to be less expensive than many of their competitors owing to their non-profit status. All insurance policy buyers should compare Affinity's rates with other providers to get a better sense of the company's offerings and how a health insurance policy from Affinity compares in terms of coverage. Affinity health insurance can be extremely helpful to low income New York residents, and quotes from this non-profit company can offer great health insurance protection at a relatively low price.
