Will Insurance Pay for Surgery?
Under New York State law, all health insurance plans that cover hospital stays must cover hospital care following surgery for breast cancer for the period of time that you and your health care team feel is appropriate for your recovery. Health insurance plans providing medical and surgical coverage in New York State are also required to pay for costs of breast reconstruction after surgery for breast cancer and for surgery on the other breast, if needed. Self-insured plans and some plans issued by out-of-state employers are not required to pay for breast reconstruction. Some plans may have restrictions about where breast reconstruction surgery is performed. Contact your insurance company or HMO for details about your plan. If you have questions about this law or other insurance legislation, call the New York State Department of Financial Services at 1-800-342-3736.
To find your local Insurance Department Consumer Services office, visit: http://www.dfs.ny.gov/about/contactus.htm#offices