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Health insurance 101

In this video series learn about what health insurance is and how it works.

In this video series learn about different types of health insurance plans.

In this video series learn about what key terms and benefits you need to know with your health insurance plan.

In this video series learn about out of pocket costs for your health insurance plan.

Animated image of a man with a speech bubble that reads, "What is Health Insurance?" Understanding health insurance Animated image of a man with a though bubble that shows a random floating letters. Types of plans Animated image of man with a speech bubble that reads, "Let's talk about key players" Key terms and other benefits Animated image of a family outside their home with a heading that reads, "Family Deductible" Out of pocket costs Animated images of a physician examining a patients ear. Final terms to know

Insurance

How can I find out if a doctor or facility accepts my insurance?

You can use the this search tool.

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I’ve received a bill stating I don’t have insurance, but I do, or have supplemental insurance that needs to be added and billed.

If you received a bill, and your insurance information is either missing or incorrect, you can easily submit your insurance information online so we can submit your insurance claim. 

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I have insurance, so why am I getting a bill?

Even when you have insurance, you may be responsible to pay for some of the costs for your medical care.

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I was injured at work, but I’d rather not file workers’ compensation. Will my own insurance plan cover the cost of my care?

No. Under the law, if you were injured at work, the only insurer we can bill for your care is the one who provides your company’s workers’ compensation coverage.

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I was injured in a car accident, but I’d rather not file a report with my car insurance company. Will my health insurance plan cover the cost of my care?

New York State requires us to bill a no-fault insurance carrier for all motor vehicle accident related care. In certain instances, if there is a balance due after the car insurance has processed a claim, we can bill your health insurance for the remaining amount due.

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What is a copay?

A copay (short for copayment) is a fixed dollar amount that you pay every time you receive medical care.

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What is a deductible?

A deductible is a fixed dollar amount that you need to pay within a defined period of time (such as one calendar or plan year) before your insurer will start to cover some of the costs for covered medical services.

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What is coinsurance?

Coinsurance is another way you may be required to share costs with your insurance provider.

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What should I do if I receive an unexpected bill for a service I did not know was out-of-network?

If you receive an unexpected bill, which could be what’s referred to as a "surprise bill," for a service from a provider or facility that you did not know is not covered by your insurance plan, you can dispute the bill.

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Creating your account

Using your account

Our representatives are available to schedule your appointment Monday through Friday from 9am to 5pm.

For a Northwell ambulance, call
(833) 259-2367.

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