When is Open Enrollment?

Depending on your type of health insurance, there are rules about when you can enroll in another health insurance plan.

Medicare

Open enrollment period runs from October 15th through December 7th.

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 1st through January 31st.

Why Roswell?

Roswell Park is the only cancer hospital in New York State outside of New York City to be among the U.S. News and World Report’s list of top 50 best hospitals for cancer care. Ranked among the top 1.5% of the nation’s cancer centers, Roswell Park helps to set the standards for cancer care around the nation. Read more about why you need Roswell Park in your network.

What type of insurance does Roswell Park accept?

Each insurance company offers many different type of plans, and Roswell Park may not accept all of these plans.

As an example, Roswell Park may participate with an insurance company's Medicaid Managed Care and Essential Plans, but does not participate with that company's Medicare Advantage or Metal-Level Products purchased through the Marketplace.

All Health Plans and Networks

Insurance Company	Insurance Product	Hospital Participation Status	Physician Participation Status
Aetna	Commercial/Self Funded	Yes if accessed through Magnacare**	Yes if accessed through Magnacare**
Aetna Dental	Dental Network	n/a	Yes
Allegany/Cattaraugus County Cancer Services Program	Other	Yes	Yes
American Indian Health Program (AIHP)	NYSDOH	Yes	Yes
Amerigroup (Blue Cross Blue Shield of Western New York HealthNow)	Child Health Plus	Yes	Yes
	Medicaid	Yes	Yes
Azeros Health Plan (Nova Dentalcare)	Dental Network	n/a	Yes
BDCT (Blue Distinction Centers) - Transplant Network	Other	Yes	Yes
Carelon Behavioral Health (formerly Beacon Health)	Other	Yes	Yes
Chautauqua County Cancer Services Program	Other	Yes	Yes
Cigna*	Commercial/Self Funded	Yes if accessed through MVP**	Yes if accessed through MVP**
Cigna LifeSource - Transplant Network	Other	Yes	Yes
Contigo Health (formally Three Rivers Provider Network)	Other	Yes	Yes
Coventry	Other	Yes	Yes
Delta Dental	Dental Network	Yes	Yes
Dentaquest	Dental Network	Yes	Yes
Emblem Health/GHI	Commercial/Self Funded	Yes	Yes
Emblem Health/GHI	Medicare	Yes	Yes
EmpirePlan (UHC)	Commercial/Self Funded	Yes	*Physicians covered by United, Hospital services covered by BCBS
Erie County Cancer Services Program	Other	Yes	Yes
Fidelis	EPP	Yes	Yes
	HARP	Yes	Yes
	Medicaid	Yes	Yes
	Child Health Plus	Yes	Yes
	Medicare	Yes	Yes
	Exchange	Yes	Yes
First Health	Other	Yes	Yes
Genesee, Orleans, Wyoming and Niagara Counties - Cancer Services Program	Other	Yes	Yes
HealthPlex	Dental Network	n/a	Yes
Highmark Western and Northeastern New York (formally Blue Cross Blue Shield of Western New York)	Commercial/Self Funded	Yes	Yes
	Medicare	Yes	Yes
	EPP	Yes	Yes
	Exchange	Yes	Yes
	Child Health Plus	Yes	Yes
	Medicaid	Yes	Yes
Humana ChoiceCare	Commercial/Self Funded	Yes	Yes
Humana Military	Tricare East Prime	Yes	Yes
Humana Military	Tricare East Select	Yes	Yes
Independent Health	Commercial/Self Funded	Yes	Yes
	Health Benefit Exchange	Yes	Yes
	Medicare	Yes	Yes
	Medicaid	Yes	Yes
	Essential Plans	Yes	Yes
	Child Health Plus	Yes	Yes
	Exchange	Yes	Yes
Indian Health Services (IHS): Including - a)Tuscarora, Tonawanda Seneca b) Seneca Nation Allegany/Salamanca, Seneca Nation Cattaraugus/Irving c) St. Regis Mohawk	DHHS Purchased/Referred Care	Yes	Yes
Interlink - Transplant Network	Other	No	No
Liberty Dental	Dental Network	n/a	Yes
LifeTrac - Transplant Network	Other	Yes	Yes
Lifetime Benefit Solutions (EBS-RMSCO)	Commercial/Self Funded	Yes	Yes
Magnacare	Commercial/Self Funded	Yes	Yes
	Medicare	No	No
	Medicaid	No	No
Martin's Point Healthcare (US Family Health Plan)	Other	Yes	Yes
MedCal	Other	Yes	Yes
Medicaid (New York)	Medicaid	Yes	Yes
Medicare	Medicare	Yes	Yes
Molina HealthCare (formally YourCare Healthplan)	EPP	Yes	Yes
	Medicaid	Yes	Yes
	Child Health Plus	Yes	Yes
Multi Plan (PHCS - Private HealthCare Systems Inc)	Other	Yes	Yes
MVP (Preferred Care)	Commercial/Self Funded	Yes	Yes
	Medicare	Yes	Yes
	Exchange	Yes	Yes
	EPP	Yes	Yes
	HARP	Yes	Yes
	Medicaid	Yes	Yes
Optum Health	URN CRS - Transplant Network	Yes	Yes
Optum Health	VA Community Care Network (VACCN)	Yes	Yes
Prime Health Services (World Trade Center)	Other	Yes	Yes
UHC Dental	Dental Network	n/a	Yes
United (UHC)*	Commercial/Self Funded	Yes if accessed through Multiplan or CRS**	Yes
	Medicare	No	No
	Exchange	No	No
	Medicaid	No	No
Univera HealthCare	Commercial/Self Funded	Yes	Yes
	Medicare	Yes	Yes
	Exchange	Yes	Yes
	EPP	Yes	Yes
	Medicaid	Yes	Yes
	Child Health Plus	Yes	Yes
*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 3/1/23

Questions about open enrollment?

Download our free guide.

Hear From Our Experts

Our experts are here to help you make sense of your health insurance, network access or your medical bills.

If tragedy strikes, you want to be prepared. Kim Sweeney, Director of Patient Access, explains why it’s important to plan ahead.

Ask an Expert

Open enrollment period is the time to take action if your plan does not provide adequate in-network coverage of Roswell Park services. Our financial counselors are ready to assist you with any of your open enrollment, health insurance and billing questions. We'll contact you if you fill out the form below or you can call us at 1-800-ROSWELL (1-800-767-9355).

Ask a Question

Open Enrollment FAQs

Here are some answers to some of the most common questions about open enrollment

Open enrollment is the period of time each year when you can enroll in a health insurance plan. Typically you cannot enroll in or change plans outside the open enrollment period unless you have a qualifying life event (e.g. loss of insurance, permanent move to a new area, loss of job, divorce/marriage, age off parent’s plan).

Medicare’s open enrollment period runs from October 15th through December 7th.
NY State of Health Marketplace’s open enrollment period runs from November 1st through January 31st.
Job-based plans’ open enrollment period is determined by your employer, but are typically in the fall.
Medicaid, the Essential Plan, and Child Health Plus allow you to enroll at any time.

Yes, Roswell Park accepts both traditional Medicare and New York State Medicaid.

If you are enrolling in a Medicare Managed Care Plan, please consider enrolling in a plan that is in-network with Roswell Park (BlueCross Blue Shield of WNY, Independent Health, MVP, and Univera Healthcare). Otherwise, if you choose a plan that is out-of-network, your plan may not cover your services at Roswell Park and/or you may have higher out-of-pocket costs.
If you are enrolling in a Medicaid Managed Care Plan, you should select a plan that is in-network with Roswell Park (BlueCross BlueShield of WNY, Fidelis, Independent Health, and Yourcare). Otherwise, if you choose a plan that is out-of-network, all services will require prior authorization and/or you may not be able to receive services at Roswell Park.

Please contact your insurance company to find out if your plan is participating with Roswell Park and its providers. You can also call us at 1-800-ROSWELL or email us at askroswell@roswellpark.org with questions.

When a provider is in-network it is contracted with the insurance plan to provide services to its members. An out-of-network provider is not contracted with the insurance plan. If you receive services from a provider that is in-network, your out-of-pocket costs will typically be less than if you receive services from an out-of-network provider. Services provided by out-of-network providers may not be covered under your plan.

If you have out-of-network benefits, you may be able to still receive services at Roswell Park. However, an out-of-network authorization may be required – this means we would need a prior approval by your insurance plan for you to have services at Roswell Park. Another important factor to consider when deciding to go to an out-of-network provider is the financial responsibility. Typically an insurance plan will pay less when you receive services out-of-network and will hold you responsible for a larger portion of the bill. For example, you may have 20% coinsurance for in-network services, but 40% coinsurance when you go out-of-network. In addition, you may be responsible for paying the difference between Roswell Park's charges and your insurance plan’s usual and customary rates.

There are many factors to consider and compare when picking an insurance plan, but two key components are coverage and cost. First, you want to make sure the providers (your primary care doctor, specialists, hospitals, etc.) that you use are in-network and participating with the plan you choose. Second, you should consider the total health care costs (monthly premium, deductible, copays and coinsurance, and out-of-pocket maximum). Generally, plans with higher premiums have better coverage and lower out-of-pocket expenses.

Is Roswell Park and its providers in-network with my plan? (You may need to provide our Tax ID number 161552370 and our NPI numbers: Roswell Park (Hospital) 1548315401 and Roswell Park (Physicians - RPCI CPP) 1720036593)

If yes:

What are my co-pays for specialist office visits, ambulatory surgery, chemotherapy, radiation, radiology, and inpatient admissions?
What is my maximum out-of-pocket cost (MOOP)?

If no:

Do I have out-of-network benefits?
Does my plan require out-of-network authorizations?
What are my out-of-network benefits (deductible, coinsurance, out-of-pocket maximum)?
Does my insurance plan access any special networks (such as Cancer Resource Services, MultiPlan, or MagnaCare) for which Roswell Park is an in-network provider?
Will I be balance billed for the difference between the usual and customary rates and Roswell Park’s charges?

If you have out-of-state insurance, you should check with your insurance plan to see if your plan has out-of-network benefits.

If you miss the open enrollment deadline, you will have to wait to change insurance plans until the open enrollment period next year. You are only allowed to change plans outside the open enrollment period if you have a qualifying life event such as getting married, having a baby or losing health coverage.