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Home > Patient & Visitor Info > Info for Patients > Billing and Insurance > Medical costs for insured patients 
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Medical Costs for Insured Patients

Unity Hospital charges all patients the same price for medical services. Patient's final out-of-pocket costs or co-pays can be higher or lower than another patient who has undergone the same procedure because health insurance benefits are unique for each plan. To determine what your out-of-pocket costs will be, contact your health insurance company directly or call us at (585) 368-6226.

If you have Medicare

• Medicare pays the Hospital according to fee schedules that represent discounts from Hospital’s billed charges.
• Medicare will pay for many of your healthcare expenses but not all of them.
• Special rules apply if you have health insurance coverage through your own employer or a spouse's employer.
• If you have supplemental insurance it may cover some costs that Medicare does not.

If you have Medicaid or Family Health Plus

• Medicaid pays the Hospital according to fee schedules that represent discounts from Hospitals billed charges.
• Medicaid recipients are responsible for minimal or no co-pays.
• Some Medicaid recipients are responsible for a monthly spend down amount before Medicaid will make any payments on their behalf.

If you have Private Insurance

• Private insurance, often employer based, is an individual or group policy with an insurance company such as Excellus, MVP,  Aetna or United Healthcare.
• These insurers negotiate discounts with hospitals on behalf of the patients they represent. The discounts vary among insurers.
• Each insurance company has many plans which effect out-of-pocket costs such as co-pay, deductibles, and co-insurance.

If you were injured as a result of a car accident

• No fault insurance pays the Hospital according to fee schedules that represent discounts from Hospitals billed charges.
• You must file a claim with your auto insurance within 30 days of the accident .

If you were injured at work

• Workers comp insurance pays the Hospital according to fee schedules that represent discounts from Hospitals billed charges.
• You must file a claim with your employer.