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.

Enrolled in an individual Medicare Advantage Plan?

Many individual Medicare Advantage plans are expected to make significant changes that could affect your access to Roswell Park Comprehensive Cancer Center in 2027. During the Medicare Annual Enrollment Period from October 15 to December 7, you have an opportunity to review your current plan, choose a new plan, or switch to Original Medicare or another insurance carrier.

Take action before open enrollment ends

Am I 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.

Medicare and Medicaid

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

However, private Medicare plans, also referred to as Medicare Advantage plans (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. Medicare Open Enrollment period is October 15 to December 7, 2026. Click here for more information about Medicare plans and Roswell Park.

This list of insurance plans is for 2027. If you need care at Roswell Park now, please call us to discuss your current coverage through the end of 2026.

Insurance Name
Insurance Product
Participation
Aetna Medicare
Aetna Medicare Chronic Care (HMO C-SNP)
Yes
Aetna Medicare Chronic Care Total (HMO C-SNP)
Yes
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 Longevity (PPO I-SNP)
Yes
Aetna Medicare Premier (PPO)
Yes
Aetna Medicare Signature (HMO)
Yes
Aetna Medicare Signature (HMO-POS)
Yes
Aetna Medicare Signature (PPO)
Yes
Elderplan
Elderplan Advantage For Nursing Home Residents (HMO-POS I-SNP)
No
Elderplan Select (HMO-POS I-SNP)
No
Highmark Blue Cross Blue Shield or Highmark Blue Shield
Community Blue Medicare HMO 651 (HMO)
Yes
Community Blue Medicare HMO Distinct (HMO)
No
Community Blue Medicare HMO Signature (HMO)
No
Community Blue Medicare HMO Standard (HMO)
Yes
Freedom Valor (PPO)
Yes
Senior Blue 601 (HMO)
Yes
Humana
Humana Gold Plus SNP-DE H3533-036 (HMO D-SNP)
No
Humana USAA Honor Giveback (PPO)
No
HumanaChoice H5970-029 (PPO)
No
Independent Health 
Independent Health's Assure Advantage (HMO C-SNP)
No
Independent Health's Encompass 65 (HMO)
No
Independent Health's Encompass 65 RED 042 (HMO)
No
Independent Health's Encompass 65 RED 044 (HMO)
No
Independent Health's Encompass 65 RED 045 (HMO)
No
Independent Health's Medicare Family Choice (HMO I-SNP)
No
Independent Health's Medicare Passport Connect (PPO)
No
MVP HEALTH CARE
MVP DualAccess Complete (HMO D-SNP)
No
MVP Medicare Preferred Gold with Part D (HMO-POS)
No
MVP Medicare Preferred Gold without Part D (HMO-POS)
No
MVP Medicare Secure Plus Choice with Part D (PPO)
No
MVP Medicare Secure Plus with Part D (HMO-POS)
No
MVP Medicare WellValue with Part D (HMO-POS)
No
Nascentia Health Plus
Nascentia Dual Advantage (HMO D-SNP)
No
Nascentia Medicaid Advantage Plus (HMO D-SNP)
No
Nascentia Skilled Nursing Facility (HMO I-SNP)
No
United Healthcare
AARP Medicare Advantage Patriot No Rx NY-MA3 (HMO-POS)
No
AARP Medicare Advantage from UHC NY-0007 (HMO-POS)
No
AARP Medicare Advantage from UHC NY-0019 (PPO)
No
UHC Complete Care NY-30 (HMO-POS C-SNP)
No
UHC Dual Complete NY-Q001 (HMO-POS D-SNP)
No
UHC Dual Complete NY-S001 (PPO D-SNP)
No
UHC Dual Complete NY-S002 (HMO-POS D-SNP)
No
UHC Dual Complete NY-S4 (HMO-POS D-SNP)
No
UHC Dual Complete NY-YL (HMO-POS D-SNP)
No
UHC Nursing Home Plan NY-F001 (PPO I-SNP)
No
Univera
Univera Medicare Dual (HMO D-SNP)
No
Univera Medicare Total Care (HMO D-SNP)
No
Univera Medicare Freedom (HMO-POS)
No
Univera SeniorChoice Advanced (HMO-POS)
No
Univera SeniorChoice Basic (HMO)
No
Univera SeniorChoice Secure (HMO-POS)
Yes
Univera SeniorChoice Value Plus (HMO-POS)
No
VNS Health Medicare
VNS Health EasyCare (HMO)
No
VNS Health EasyCare Plus (HMO D-SNP)
No
VNS Health Total (HMO D-SNP)
No
Wellcare by Fidelis Care
Wellcare Fidelis Assist (HMO-POS)
Yes
Wellcare Fidelis Dual Access (HMO D-SNP)
Yes
Wellcare Fidelis Dual Align Unity (HMO D-SNP)
Yes
Wellcare Fidelis Dual Liberty Sync (HMO D-SNP)
Yes
Wellcare Fidelis Patriot Simple (HMO-POS)
Yes
Wellcare Fidelis Simple (HMO-POS)
Yes
Wellcare
Wellcare Assist Open (PPO)
Yes
Wellcare Dual Access Open (PPO D-SNP)
Yes
Wellcare Giveback Open (PPO)
Yes
Wellcare Simple Open (PPO)
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 copay 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 have questions, please contact our insurance experts.

Confirming your coverage

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.
  • If Roswell Park is not in your insurance network, don’t assume you can’t get care here. You may still have options to receive treatment at Roswell Park, the region’s only nationally designated comprehensive cancer center. Call us before you make any surgery or treatment decision.

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?

What if I want to change my health insurance?

There are rules about when you can change plans. Open enrollment refers to a time period each year (usually several weeks in the fall) when you may enroll in health insurance or change your health insurance plan for any reason.

If you miss this time period, you won’t be able to newly enroll or change your plan unless you have a qualifying life event, such as loss of other coverage, becoming a dependent or gaining a dependent, moving to a new area and other situations. Check with your plan for information about qualifying events.

When is Open Enrollment?

Open enrollment is the perfect time to evaluate your current health insurance plan, learn whether it covers services at Roswell Park and whether Roswell Park is an in-network provider.

The dates of this time period will depend on the type of insurance, such as whether the plan is employer-based, a Medicare plan, or purchased from the NY State of Health Marketplace.

Medicare 

Medicare Open Enrollment

Oct 15 – Dec 7, 2026

Job-based Plans 

Open enrollment periods are determined by your employer, but are typically in the fall.

Medicaid, Essential Plan, & Child Health Plus 

Enroll at any time.

NY State of Health Marketplace 

Open enrollment period runs from November 1, 2026 through January 31, 2027.

Choosing the right health care coverage is one of the most important decisions you can make for you and your family. It’s essential for you to fully understand your options and choose a policy that is best for your current and future health care needs. Protect your health and financial future by ensuring the doctors and hospitals you trust are in your insurance plan network.

Questions to ask your health insurance companyAbout Medicare options