Insurance Basics: Home
Your employer may offer more than one health plan, or you may be shopping for your own individual plan.
Your plan may have different rules and costs for different healthcare settings. In any setting, you may have to pay a copay, and in some cases, coinsurance. But, these may be waived for preventive services like flu shots and mammograms.
By law, consumers living in New York State have certain protections when shopping for and using their health insurance. Your insurer must provide up-to-date information about who is in your network.
Your health insurance ID card is your proof of insurance. You use it when you visit the doctor, hospital or other provider.
If you're an active-duty service member or a veteran, this article will explain your healthcare choices.
To look up the estimated costs for behavioral health services (including mental health and alcohol and/or drug services), go to our home page, fairhealthconsumer.org, and click on Medical and Hospital Costs.