Estimates for Medical Costs - Insured Patients
Unity Hospital charges all patients who receive the same services the same price. Your final out-of-pocket costs or co-pays may be higher or lower than another patient who has undergone the same procedure. That's because health insurance benefits are unique for each plan. To determine what your costs will be, contact your health insurance company directly or call us at (585) 368-6226. We understand that this can seem complicated and we're here to help.
Here are some general guidelines for different insurance coverage.
Medicare is a national program administered by the U.S. Federal Government. It is for Americans ages 65 and older, younger people with disabilities, and people with end-stage renal disease. Special rules apply if you have health insurance coverage through your employer or your spouse's employer. Medicare will pay for many of your health care expenses, but not all of them. Most services require you to pay a yearly deductible and coinsurance. If you have supplemental insurance it may cover some costs that Medicare does not. Many people are enrolled in a Medicare Advantage Plan, such as MVP Gold and Medicare Blue Choice. These insurers each have their own benefits and coverage.
Medicaid is a state program which provides medical insurance to individuals and families with low income. Many people may qualify for this assistance, such as pregnant women, dependent children, older adults, and people with disabilities. Medicaid recipients may have a minimal co-pay or there may not be a co-pay at all. You may be responsible for a monthly "spend down" amount before Medicaid will make any payments on your behalf.
Private insurance is usually obtained through your employer or can be purchased through the New York State of Health marketplace. You may have an individual or group policy with companies such as Excellus, MVP, Aetna or United Healthcare. These insurers negotiate their own discounts with hospitals. The discounts vary among insurers. Each insurance company has many plans which affect your out-of-pocket costs, such as co-pay, deductibles and co-insurance.
Car accident injuries
If you were injured as a result of a vehicle accident, you must file a claim with your auto insurance company within 30 days of your accident. Your "No fault" auto insurance pays Unity at a discounted rate.
If you are injured at work, you must file a claim with your employer. Workers' Compensation insurance pays Unity at a discounted rate.