Insurance Information

Insurance Information

Questions?

If your question is about insurance only, please call us at 646-497-9176, Monday through Friday, 9 am to 5 pm ET. If your question involves insurance and a bill you received from us, please call us at 646-227-3378, Monday through Friday, 8:00 am to 4:30 pm ET.

When you’re coping with a cancer diagnosis, insurance may be the last thing you or your loved ones want to deal with, but it’s important to understand your options. Our insurance specialists are here to help you make sense of your insurance and payment questions – whether you are considering coming to us as a new patient, or you are already in our care.

Health insurers who provide coverage at MSK

Certain plans from the following insurance companies have relationships with us (and all of our doctors). Please review this list carefully. Call us if you have questions or need help understanding. Insurance companies offer may different types of plans, and some may not include us.

Even if you don’t see your insurance plan listed here, or you don’t have insurance, we encourage you to call us. There may be other ways we can help, for example, through our Financial Assistance program.

Before contacting your insurance company, you may find it helpful to review Questions to Ask Your Insurance Company.

Memorial Sloan Kettering is an in-network provider with the Aetna HMO, POS, and PPO plans that are offered through your place of work. 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.

Memorial Sloan Kettering is an in-network provider with Amerigroup Medicaid. You will need a one-time referral from your primary care doctor.

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, POS) for plans offered through your place of work, 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).
  • The Empire Indemnity Plan provides limited coverage for our services.

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. Other plans may only be in-network at our Basking Ridge, New Jersey, location.

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.

Memorial Sloan Kettering is an in-network provider with CIGNA’s HMO, POS, and PPO plans offered through your place of work. 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, and HMO plans offered through your place of work. EmblemHealth does not include us in any of the plans you can buy on the insurance exchanges or its Medicare plans. You must bring a referral from your Emblem primary care doctor to your first appointment.

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

Memorial Sloan Kettering is an in-network provider with Health Republic Insurance of New York and Health Republic Insurance of New Jersey for plans you can purchase on the insurance exchanges. These plans cover individuals, families, and small businesses. You will need a one-time referral from your primary care doctor.

Memorial Sloan Kettering is an in-network provider with HIP Medicaid. You will need a one-time referral from your primary care doctor.

Memorial Sloan Kettering is an in-network provider for all MagnaCare health plans offered through your place of work. MagnaCare does not include us in any of the products you can buy through the insurance exchanges.

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 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 an in-network provider with Oxford’s Freedom and Liberty 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 QualCare’s PPO and HMO/POS network.

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

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

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

Other Coverage Options

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

  • Beech Street
  • Integrated Health Plans
  • MagnaCare
  • MultiPlan/PHCS
  • National Health Administrators
  • National Preferred Provider Network
  • UnitedHealthcare’s Cancer Resource Services
  • United Resource Network

Multiple Insurance Plans

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.

How We Help

If you’ve already met with an MSK physician and you need help with insurance, we may assign a case manager to advocate for you with your insurance company. Sometimes a carrier that has denied coverage of a treatment plan recommended by our doctors will revise its decision. Your MSK doctor’s office can put you in touch with our Case Management Department.

Usual, Customary & Reasonable Fees

Every insurance carrier has an established payment rate for each test, procedure, and medical service. The rates are what the insurer has decided are appropriate for these services in New York City. Insurers have different ways of deciding what is usual and customary.

Our charges may be different from an insurer’s rates due to the high level of care we provide to our patients. If you only have out-of-network benefits, you are responsible for paying the difference between Memorial Sloan Kettering’s charges and the carrier’s usual and customary rates, in addition to your co-insurance and deductible costs.

Please contact your insurance company’s customer service representative to verify your out-of-network benefits and find out what your financial responsibility will be.