Emmy Ludwig, MD

Memorial Sloan Kettering is an in-network provider with Aetna HMO, POS, and PPO plans. Aetna does not include us in any of the plans you can purchase through the insurance exchanges or through Medicare. Please ask your insurance if you need a one-time referral. MSK has an agreement with the Aetna Transplant Program for all Aetna's commercial products.

Memorial Sloan Kettering is a designated Blue Distinction Center for bone marrow transplant and CAR-T.

We understand that there may be many complexities involved with insurance coverage purchased through the health exchange network of the Affordable Care Act. We’re here to help. If you have questions about how your care will be covered by an insurance provider, or need help navigating a change in coverage, please call us at 646-227-3378; if you are not a resident of New York, you can call us at 866-248-1274. Our team is here to listen to your concerns and assist you in any way we can. We want our care to be as accessible and affordable for as many people as possible.

Memorial Sloan Kettering is an in-network provider with CIGNA's HMO, POS, and PPO plans. CIGNA does not include us in any of the plans you can buy through the insurance exchanges.

• If you are a New York State resident: Please ask your insurance if you need a one-time referral.
• If you live outside of New York State: Please ask your insurance if you have in-network access to Memorial Sloan Kettering.

Memorial Sloan Kettering is an in-network provider with EmblemHealth’s PPO, EPO, POS, HMO plans. EmblemHealth includes GHI, HIP, Vytra, and ConnecticCare (in NYS Only). You must bring a referral from your Emblem primary care doctor to your first appointment. In-network participation exceptions include:

• Emblem’s HIP Commercial Millennium, Select Care and Enhanced Care Prime networks is not in-network with Memorial Sloan Kettering.
• Please call Emblem to confirm if your specific plan is in-network.

For information regarding Memorial Sloan Kettering’s participation with Emblem’s Medicare Advantage Plans, please refer to the Medicare & Medicaid page

Memorial Sloan Kettering is an in-network provider with Empire Blue Cross Blue Shield (Wellpoint) of New York Indemnity, HMO, EPO, PPO, POS and Medicare Advantage plans, with the following exceptions:

• Empire Blue Cross Blue Shield does not include us in any of the plans you can buy through the insurance exchanges.
• Please call Empire BCBS to confirm if your specific plan is in-network with Memorial Sloan Kettering.

Memorial Sloan Kettering is an in-network provider with HealthFirst’s commercial products; these commercial products are not purchased on the insurance exchanges.

Memorial Sloan Kettering is an in-network provider with HealthSmart’s Accel, HSPC, and HPO networks.

For our NJ locations, Memorial Sloan Kettering is an in-network provider with most Horizon Blue Cross Blue Shield of New Jersey plans for individuals, families, and small businesses. Horizon members with Blue Card Access (there would be a suitcase logo on the front of the card) may have access to our NY locations.  Please call Horizon to confirm if your plan is in-network in NY. 

Memorial Sloan Kettering is a designated Center of Excellence by Humana.

Memorial Sloan Kettering is a designated Center of Excellence by Interlink Health Services.

Memorial Sloan Kettering is a designated Center of Excellence by Lifetrac.

Memorial Sloan Kettering is an in-network provider for all MagnaCare health plans except those products you can buy through the insurance exchanges.

For information about Medicare and Medicaid, please visit this page

Memorial Sloan Kettering is an in-network provider with some Multiplan/Beech Street/PHCS plans. Contact your insurance carrier to find out if your plan provides in-network access to Memorial Sloan Kettering.

Memorial Sloan Kettering is a designated Center of Excellence by Multiplan.

If you are covered by more than one insurance plan, you will want to determine your benefits from both plans. First, you need to determine which one is your primary insurance provider by contacting your employee benefits office or your insurance carriers. After you find out which is your primary insurance provider, you should then contact your insurance carrier to determine if you have access to Memorial Sloan Kettering.

Memorial Sloan Kettering is an in-network provider with some MVP plans. Contact your insurance carrier to find out if your plan provides in-network access to Memorial Sloan Kettering.

Memorial Sloan Kettering is an in-network provider for New York State employees who have enrolled in UnitedHealthcare's Cancer Resource Services. If you have the Empire Plan, you should call Cancer Resources Services at 866-936-6002 to verify and enroll in this coverage.

Memorial Sloan Kettering is in-network with Oscar’s Circle Plus Network, a part of its Small Group Broad line that is offered only to select small business groups. Oscar does not include Memorial Sloan Kettering as an in-network provider for any of its individual plans. Please confirm eligibility with your insurance carrier. 

Most Blue Cross Blue Shield plans include Memorial Sloan Kettering as an in-network provider. Contact your insurance company to confirm if Memorial Sloan Kettering is in-network.

We have agreements with several insurance companies that may provide additional coverage for cancer patients. These benefit programs include:

• AXA Assistance USA
• Beech Street
• Integrated Health Plans
• National Health Administrators
• National Preferred Provider Network
• UnitedHealthcare's Cancer Resource Services
• United Resource Network
• Veterans Choice Program

Memorial Sloan Kettering is an in-network provider with Oxford’s Freedom and Liberty plans as well as the Metro Plan (which is only offered to small business groups and no longer offered as individual plans). Please confirm with your insurance if you need a one-time referral. Note: Oxford’s Medicare Managed Care plan — Secure Horizon — does not include Memorial Sloan Kettering as an in-network provider. Oxford does not include us in any of the plans you can buy through the insurance exchanges.

Memorial Sloan Kettering is an in-network provider with the World Trade Center Health Program.

Memorial Sloan Kettering is an in-network provider with QualCare's PPO and HMO/POS network.

Memorial Sloan Kettering is a designated Center of Excellence by Specialty Care Management.

Hospital and physician services may be covered by TRICARE. Please call your TRICARE plan to confirm coverage at Memorial Sloan Kettering.

Memorial Sloan Kettering is an in-network provider with UnitedHealthCare's HMO, POS, and PPO plans. Please confirm with your insurance if a one-time referral is needed.

UnitedHealthCare's Medicare Managed Care plan does not include Memorial Sloan Kettering as an in-network provider.

United does not include us in any of the plans you can buy through the insurance exchanges.

Memorial Sloan Kettering is a designated Center of Excellence by UnitedHealthcare.