Did you know that the Affordable Care Act requires most individuals to have some sort of healthcare insurance? Do you need assistance accessing affordable healthcare insurance? CMADC’s Outreach and Enrollment specialist can assist you in applying for the following:
New York State Insurance Marketplace
Medicaid; Medicaid Managed Care
Presumptive Eligibility (Expectant mothers)
Insurance Premium Assistance
Download Patient Forms (click link to view & download form)
Copayments, or copays, are payments made to healthcare professionals at the time of service. Depending upon your plan and the specialty of the provider, they can vary from having no copay at all to possibly hundreds of dollars.
It is important to know before you go to the doctor, if you have a copayment, and how much that copayment is!
Coinsurance is another kind of cost-sharing you may be responsible for when you have commercial health insurance (commercial insurance is insurance that is NOT paid for by the government such as Medicaid and Medicare). Here, you pay part of the cost for healthcare and your insurance company pays part of the cost.
For example: You have a medication that costs $100 and your coinsurance is 30%. This means that you are responsible for paying 30%, or $30; and your insurance covers 70%, or $70, of the cost of the prescription.
A deductible is a fixed amount you pay each year before your health insurance company begins to pay their portion of the plan. Once you've paid your deductible, your health plan begins to cover its share of your bills.
For example: You have a $2000 deductible, and you get the flu in January. You see your doctor. The doctor bill is $200. You are responsible for the entire bill because you haven't paid your full deductible for the year. After paying $200 for the doctor, you have $1800 left to pay for your annual deductible before your insurance company covers your healthcare services.
Once you've paid your deductible, you may still be responsible for other costs, including coinsurance and/or copayments.
We have providers and staff members who speak many different languages such as Spanish, Yiddish, Creole, French, Hebrew, Russian, Sign language and other languages. If we do not have someone on staff who speaks your language we will provide an interpreter for you.