Are you covered with your current health insurance plan? Here's what you need to know about open enrollment.

Roswell Park Comprehensive Cancer Center is a participating provider in many health insurance plans. It’s vital that you check your specific plan to be sure Roswell Park and each of your Roswell Park physicians are covered by your plan. Each plan — even among the same health insurance company — can be different.

Am I covered?

IMPORTANT NOTICE ABOUT INDEPENDENT HEALTH MEDICARE ADVANTAGE

Beginning January 1, 2026, Roswell Park will no longer be in-network for Independent Health Individual Medicare Advantage plans. Roswell Park was recently informed that Independent Health’s 2026 Individual Medicare Advantage plans put more financial burden on patients, shifting more cost to the community we care for and away from Independent Health. Patients who remain enrolled in these plans may face significantly higher deductibles, co-pays, and out-of-pocket costs to continue care with us.

Keep Roswell Park in-network, take action during open enrollment if you are enrolled in one of these plans.

Are you covered?

Roswell Park participates with the insurance plans and networks listed below. Check the list below to see whether your plan covers care at Roswell Park. This list is not complete. If you do not see your health insurance plan listed here, please call us at 716-845-4782.

All Health Plans and Networks

IMPORTANT!: If you are looking for Medicare plans please reference the Medicare chart below.

Insurance Product
Hospital Participation Status
Physician Participation Status
 

*If you are accessing Roswell Park Comprehensive Cancer Center with one of these health plans, please be advised that you may be subject to higher out of pocket costs.

** Although Roswell Park Comprehensive Cancer Center is not directly participating with the health plan, please call us at 1-800-ROSWELL to determine if your plan allows for out of network benefits.

*** Updated Health Plan Partnerships 8/1/24

***If you are a patient at one of our Roswell Park Care Network locations, please click here for a detailed list of insurance plans and coverages.

Confirming your coverage

It is important to check your coverage to make sure Roswell Park remains in-network.

You’ll need to confirm your coverage with both your health insurance company and Roswell Park.

  1. Contact your health plan directly to verify your coverage specific to your policy. It’s important to ask the right questions. Use the questions outlined here as a guide to help you receive the accurate information you need when speaking with your insurance plan representative.
  2. Call Roswell Park at 716-845-4782 to verify that your care at Roswell Park and your physicians are covered by your plan.

In-Network versus Out-of-Network

You want to make sure that both Roswell Park and the physicians caring for you are contracted with your insurance company, so the treatments, services and consultations provided are covered. Your insurance company will tell you whether Roswell Park is In-Network or Out-of-Network for your specific plan.

  • In-Network means that your insurance company has an established relationship with Roswell Park and that with your specific plan, much of your care and services will likely be covered. With in-network providers, your own costs, like co-pays, are typically lower.
  • Out-of-Network means that Roswell Park does not have a relationship with your insurance company or your specific plan. You will need to ask your insurance company if they provide out-of-network benefits and if authorizations or pre-approvals are required before you can receive care at Roswell Park. Insurance plans often pay less for out-of-network services, leaving you responsible for a larger portion of your bill. Read about New York State's Rights and Protections Against Surprise Medical Bills.

Other questions you should ask include:

  • How much will I pay for the deductible and coinsurance?
  • What is the out-of-pocket maximum?
  • If my insurance doesn’t pay the full amount for a treatment or service, do I have to pay the balance?

Get an estimate of costsQuestions to ask your health insurance company

Medicare and Medicaid

What you need to know about your Medicare options.
Learn more about Medicare and what it covers in your cancer care.

Roswell Park accepts both traditional Medicare (Parts A & B) and New York State Medicaid.

However, Medicare Managed (Part C) and Medicaid Managed plans are different. Please check the list below to see whether Roswell Park is listed as an in-network provider in your specific plan.

Insurance Name
Insurance Product
Participation
Aetna
Aetna Medicare Eagle Giveback (PPO)
Yes
Aetna Medicare Elite (PPO)
Yes
Aetna Medicare Enhanced (PPO)
Yes
Aetna Medicare Full Dual (HMO D-SNP)
Yes
Aetna Medicare Partial Dual (HMO D-SNP)
Yes
Aetna Medicare Premier (PPO)
Yes
Aetna Medicare Signature (HMO-POS)
Yes
Aetna Medicare Signature (PPO)
Yes
Excellus
Excellus Medicare Blue Choice Core HMO (Roch)
No
Excellus Medicare Blue Choice Optimum HMO-POS (Roch)
Limited
Excellus Medicare Blue Choice Prime HMO (Roch)
No
Excellus Medicare BlueActive PPO (CNY 1)
Yes
Excellus Medicare BlueEssential PPO (CNY 1)
Yes
Excellus Medicare BlueClassic PPO (CNY 1)
Yes
Excellus Medicare BlueEnhanced PPO (CNY 1)
Yes
Highmark Western and Northeastern New York (formally Blue Cross Blue Shield of Western New York)
HM Community Blue Medicare HMO Distinct Region 1
No
HM Community Blue Medicare HMO Distinct Region 2
No
HM Community Blue Medicare HMO Distinct Region 3
No
HM Community Blue Medicare HMO Merit
No
HM Community Blue Medicare HMO Signature
No
HM Forever Blue 751 PPO
Yes
HM Forever Blue Value PPO
Yes
HM Freedom Blue PPO Valor
Yes
HM NENY Forever Blue 770 PPO
Yes
HM NENY Freedom Valor PPO
Yes
HM NENY Senior Blue 652 HMO
No
HM Senior Blue 601 HMO
Yes
HM Senior Blue 651 HMO
Yes
Humana
Humana Gold Plus DSNP HMO (H3533-002)
No
Humana USAA Honor PPO (H5970-016)
No
HumanaChoice PPO (H5970-029)
No
HumanaChoice PPO DSNP (H5970-020)
No
HumanaChoice Giveback PPO (H5970-030)
No
Independent Health 
IHA RED HMO (042)
No
IHA RED HMO (043)
No
IHA RED HMO (044)
No
IHA Passport Connect PPO
No
IHA No Rx HMO (016)
No
United Healthcare
UnitedHealthcare Complete Care C-SNP HMO-POS (NY-30)
No
UnitedHealthcare Dual Complete D-SNP PPO Plan (NY-S001)
No
UnitedHealthcare Dual Complete D-SNP PPO Plan (NY-S002)
No
UnitedHealthcare Dual Complete D-SNP HMO-POS (NY-S4)
No
UnitedHealthcare Dual Complete D-SNP HMO-POS (NY-Y001)
No
UnitedHealthcare Dual Complete D-SNP HMO-POS (NY-Q001)
No
Univera
Univera Medicare Freedom HMO-POS
Yes
Univera SeniorChoice Advanced HMO-POS
Yes
Univera SeniorChoice Basic HMO
Yes
Univera SeniorChoice Core PPO
Yes
Univera SeniorChoice Extra HMO
Yes
Univera SeniorChoice Secure HMO-POS
Yes
Univera SeniorChoice Value Plus HMO-POS
Yes
Wellcare
Wellcare Assist Open PPO
No
Wellcare Dual Access HMO (D-SNP)
No
Wellcare Dual Access Open PPO (D-SNP)
No
Wellcare Fidelis Assist HMO-POS
Yes
Wellcare Fidelis Dual Liberty Sync HMO (D-SNP)
Yes
Wellcare Fidelis Simple HMO-POS
Yes
Wellcare Giveback Open PPO
No
Wellcare Patriot Simple HMO-POS
No
Wellcare Fidelis Patriot Simple HMO-POS
Yes
Wellcare Simple HMO-POS
No
Wellcare Simple Open PPO
No
MVP
MVP Complete Wellness PPO
Yes
MVP DualAccess (D-SNP)
Yes
MVP DualAccess Complete (D-SNP)
Yes
MVP Preferred Gold HMO-POS
Yes
MVP Preferred Gold MA Only HMO-POS
Yes
MVP WellSelect PPO
Yes
MVP Medicare Secure Plus HMO-POS
Yes

***If you are a patient at one of our Roswell Park Care Network locations, please click here for a detailed list of insurance plans and coverages.

If Roswell Park is not in-network, all services will require prior authorization, the insurance may not cover your services, you may have higher out-of-pocket costs, and/or you may not be able to receive services at Roswell Park.

Patients with Medicare coverage may be eligible for co-pay assistance for drug treatments, including chemotherapy. Patients with commercial insurance coverage may be eligible for copay assistance for drugs through a drug company’s assistance program. These programs do have eligibility requirements (diagnosis, income limits). If you watch the videos above and still have questions, please contact our insurance experts.

Time to make a change?

Find out what you need to know if you are ready to switch your health insurance plan.

Switching health insurance

Questions?

If you don't have health insurance or if you still have any questions about your insurance after reading the information on this website, please call our financial counselors at 716-845-4782.