If I change insurance companies in the same year do i need to pay both deductibles?

In New York if you change jobs in the middle of the year, there are several different options for your health insurance coverage. If your new company does not use the same health insurance provider as your previous company, you will have to satisfy the deductible before your coinsurance benefits will take effect.

Another option you may have is if your new employer does use the same health insurance provider as your previous employer, you can speak with human resources about maintaining the policy that you have in effect. If your new company can work with you to maintain your current health care provider, you may have to carry the premiums until the policy takes effect. The general wait time for a new employee to be eligible for health benefits through a company is 30 to 91 days. The specifics of the health care provider information can be given through your human resource representative at your new company.