Michael B. Bernstein, 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.

In New York State

Memorial Sloan Kettering is an in-network provider with Empire Blue Cross Blue Shield (Wellpoint) of New York HMO, EPO, PPO, and POS 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.
• Memorial Sloan Kettering is not an in-network provider for Empire's Medicare Managed Care plan known as Mediblue). However, effective 1/1/22, most of Empire's BCBS Medicare Advantage plans, including the NYC retiree Plus plan, will be in-network with MSK. Please call Empire BCBS to confirm if you specific plan is in-network. 
• Memorial Sloan Kettering is a designated Center of Excellence by Blue Cross Blue Shield.

In New Jersey

Memorial Sloan Kettering is an in-network provider with some Horizon Blue Cross Blue Shield of New Jersey plans for individuals, families, and small businesses. For example, the PPO plan is in-network with our Manhattan locations. 

Horizon Blue Cross HMO is only in-network with our Basking Ridge, Bergen and Monmouth locations. It does not allow access to our Manhattan facilities.

Horizon Blue Cross PPO is in network with our Basking Ridge, Bergen, Monmouth and Manhattan locations.

OMNIA Plans: Tier I EPO based plan policy is only in-network with our Basking Ridge, Bergen and Monmouth locations and does not allow access to our Manhattan sites. Tier II EPO is only in-network with our Manhattan sites if it is a blue-card plan (there would be a suitcase logo indicating PPO on the front of the card).

Other plans may only be in-network at our Basking Ridge, Bergen or Monmouth locations.

Outside New York State and New Jersey

Some, but not all, Blue Cross Blue Shield plans outside of New York and New Jersey include Memorial Sloan Kettering as an in-network provider. Contact your insurance to find out if your plan provides in-network access to Memorial Sloan Kettering.

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 and Medicare plans. Emblem Health does not include us in any of its Select Care network plans or in their Medicare Bold and Reserved Networks 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. 

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.

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.

New York State Medicaid covers physician and hospital services at Memorial Sloan Kettering. Patients are responsible for co-payments. We also have contractual relationships involving Medicaid Managed Care plans.

Hospital and physician services at Memorial Sloan Kettering are covered by standard Medicare insurance. You are responsible for co-insurance and deductible costs. 

In New York: Memorial Sloan Kettering’s New York locations are in-network with the Emblem Medicare Advantage Plans.

In New Jersey: Memorial Sloan Kettering’s  New Jersey locations in Basking Ridge, Bergen and Monmouth are in-network with the Horizon Medicare Advantage Plan. This plan is not accepted for care provided at MSK’s New York locations.

If you are enrolled in any other Medicare Advantage plan, please contact your insurance carrier to determine your benefits and coverage at Memorial Sloan Kettering since your access may be limited.

Memorial Sloan Kettering is not an in-network provider in Emblem’s Medicare Bold or Reserved Network plans. However, effective 4/1/22, most of the Empire BCBS Medicare Advantage plans, including the NYC retiree Plus plan, will be in-network with MSK. Please call Empire BCBS to confirm if your specific plan is in-network.

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. 

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.