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.
MSK has relationships with many common healthcare providers. Even if your insurance company does not have a relationship with MSK, or if you don’t have health 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.
Your medical insurance is not necessarily the same thing as your prescription insurance. It’s possible that even though you have medical insurance, you may not have prescription insurance, or it may be different.
Specific plans from certain insurance companies have relationships with Memorial Sloan Kettering and our doctors. Insurance companies offer many types of plans, and some may not include us.
If you have an active pharmacy card, please bring it with you to your next visit. For more information on medical and pharmacy coverage, see Questions to ask your Insurance Company.
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.