Insurance Basics: Your Rights
Suppose your insurer won´t pay for a healthcare service, or pays less than you had expected. You have the right to “appeal”, or ask for your case to be formally reconsidered.
The Affordable Care Act (ACA) of 2010 makes it easier for many Americans to get health insurance. It also expands the services that health plans need to cover.
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.
Healthcare proxies and advance healthcare directives can help you plan your care if you ever lose the ability to communicate clearly.
If your health plan paid less than you expected, you can use your cost estimate to appeal.
If your plan won't pay for a service, or pays less than expected, you can appeal.