Skip to main content
Explore URMC

SMH Logo



Insurance plans vary for each patient. Most health care provider plans do cover a portion of your medical expenses. However, it is not unusual for a patient to be responsible for some of the costs related to their medical care. Most plans require a co-payment: a fixed dollar amount that your health care plan provider (insurance company) requires you to pay every time you visit an approved medical professional.

Important! Please take time to familiarize yourself with your insurance plan and bring your co-payment with you for your pre-admission visit. If you have any questions about your insurance coverage, your health care plan provider will be able to help you as well as discuss the details of your plan. 

If You Do Not Have Insurance Coverage

If you do not have insurance coverage, there are programs available that may help you. New York State offers several options for both adults and children. Please contact our financial counselors. They are happy to 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

Learn More

For more information about Medicaid, our frequently asked questions page may be able to provide explanations and answers. Additionally, the New York State Department of Health maintains a web site with a complete list of health insurance and other supplemental programs for health and well-being offered through the State of New York.