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July 28, 2021, 10:40 am

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Some of these doctors may not be in the same health plan networks as the hospital. Ask the doctor admitting you to the hospital or scheduling your outpatient care if they participate in your insurance plan's network. If a doctor or hospital is not in your plan's network, your insurance provider will require you to pay more. In-Network Insurance Coverage: Hospital Benefits NYU Langone participates in many health plan networks. Each health plan creates a network of doctors and hospitals who have agreed to be in that network. It's called "participating" in the plan. View the list of insurance plans in which we participate. Some health plans use smaller networks for certain services, so it is important to check whether we participate in the specific plan that covers you. Our list will tell you if we are in a health plan's network. In-Network Insurance Coverage: Physician Benefits You can look online to see if your doctors work for NYU Langone and if your doctors are part of the same networks as the hospital.

If you're worried about the cost of health insurance premiums in the exchanges, it might help to know that – thanks to the Affordable Care Act's generous subsidies, which have been temporarily enhanced under the American Rescue Plan — your premiums could end up a lot lower than you expect. Who's eligible? Of the nearly 10. 7 million people who had effectuated coverage through the exchanges as of 2020, 86 percent were receiving premium subsidies. Enrollment has increased in 2021, and more people are eligible for subsidies now that the American Rescue Plan has temporarily eliminated the "subsidy cliff. " Yet about two-thirds of uninsured Americans haven't checked recently to see if they're eligible for financial assistance with their health insurance costs. A few more quick facts about Obamacare subsidies: The subsidies are tax credits, which means you can opt to pay full price for your coverage (purchased through the exchange in your state) each month, and then get your tax credit when you file your tax return.

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