Physicians/Surgeons in New York hospitals most often NOT hospital employees?
I’ve found a much lower cost health insurance policy through a major provider ($150 vs $500 currently for myself) which covers hospital and ER costs only. Customer rep told me that only doctors, surgeons, etc of any given hospital in New York (my state) are most often NOT employees of hospital in which they work, and would thus not be covered by this policy. Thus, only physicians, etc who are employees of a given hospital and provide medical care to me would be covered under the policy. Is this true? This would seem very limiting, and would make it necessary for me to check in advance with my local hospitals to see if doctors/surgeons are employees of the hospitals.
Most doctors, other than emergency room doctors, do NOT work for the hospital, they only have priviledges there, they work for themselves.
So the insurance you are looking at is crap.
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