It's NOT a surprise bill if you choose to receive services from an out-of-network doctor when a network one is available.
The new law also protects you from bills for out-of-network emergency services. If you have coverage through an HMO or from any insurer subject to the laws of New York, you should not have to pay more than your in-network copayment, coinsurance or deductible for emergency hospital or ER care.
To make the most of your benefits, it's best to go to doctors in your Empire plan network. If your plan allows you to get care from an out-of-network doctor, you'll likely pay more out-of-pocket for that care.
Find out your out-of-network costs. Here's a link to a database from Fair Health, Inc. where you can estimate what costs to expect when you get out-of-network care. You can also log in and use our cost-estimator tool to see what your in-network costs could be. To make the most of your benefits, get care from your network of doctors and other health care providers.