Insurance Coverage and Co-payments
Most insurances cover the cost of surgery. However, you may need to pay some "out-of-pocket" expenses related to your procedure. At the very least, most insurance plans require that you make a co-payment at the time of your visit. A co-payment is a fixed dollar amount that you are required to pay every time you visit a health plan provider and receive medical treatment. Important: Make sure you know if your insurance plan requires you to make a co-payment, and bring it with you at the time of your pre-admission visit.
Before your surgery is scheduled, you will want to review your benefits plan. If you have questions about your insurance coverage, you should contact your health plan provider to discuss the details of your plan.
What to Do If You Do Not Have Insurance Coverage
If you do not have insurance coverage, there are several ways to get the coverage you need. New York State offers several options for both adults and children. Our financial counselors help guide, coordinate, and provide outreach services for patients who require public health benefits.
Some common programs include:
- Medicaid—A program for New Yorkers who can not afford to pay for medical care
- Medicare—A medical care program for senior citizens and disabled persons
- Healthy NY—Health insurance plan for eligible small businesses, sole proprietors and individuals
- Child Health Plus— A New York State health insurance plan for kids
- Family Health Plus—Public health insurance for adults between the ages of 19 and 64 who do not have health insurance — either on their own or through their employers—but have incomes too high to qualify for Medicaid
- Elderly Pharmaceutical Insurance Coverage (EPIC) Program—A prescription plan for senior citizens sponsored by the State of New York
For more information about Medicaid, see our frequently asked questions page. Visit the New York State Department of Health website for a complete list of health insurance programs offered through the State of New York.