Insurance Basics: Surprise Billing
NY State of Health is New York´s official online healthcare Marketplace. Individuals, families and small business owners in New York can use NY State of Health to compare health plans, and join the one that best meets their needs.
By law, consumers living in New York State have certain protections when shopping for and using their health insurance. Your insurer must provide up-to-date information about who is in your network.
You might think your health insurance plan will cover just about anything, from eyeglasses to private nursing. But you would probably be wrong. There are some healthcare services that most health plans don't cover. This guide will tell you about them.
Suppose you receive care in a hospital that is in your health plan´s provider network. You may still get a bill from providers who treated you at the hospital but are not part of your plan´s network.
Receiving care from a provider in your health plan´s network usually costs you much less than going to an out-of-network provider.
Most plans have provider "networks", or a group of doctors, hospitals and other healthcare providers who agree to accept the amount your plan pays. If you see providers outside the network, you'll probably pay more.
If you live in New York State, you are protected from surprise medical bills.