Skip to Content

Published on October 26, 2015

Out-of-pocket costs for health care services

Often times when you go to the doctor or hospital for medical care your insurance company will advise that you have an out-of-pocket expense.

Most doctors and hospitals require you to pay these expenses at the time of service.

During open enrollment (the time you pick an insurance plan & company), you can evaluate the out-of-pocket expenses associated with certain services.

Copayments are a set dollar amount that you pay each time you receive a service (for example a doctor's visit)

Co-insurance is a part of the cost for a service that you much pay. For example, 20% coinsurance for a hospital visit means that you pay 20% of the total cost for your hospital visit.

Contact an UHS Advocate to help you with questions about out-of-pocket costs or picking the right health insurance plan through the New York State Marketplace.

UHS Advocates, Renee Gordon at (607) 763-5586, Rena Henderson at (607) 762-2550, or Amy Wickizer (607) 763-5386, are available.