Health Insurance
Information about health insurance coverage, enrollment assistance, payment options, and important coverage updates.
Important Coverage Changes Starting July 1, 2026
NY State health insurance coverage is changing. If you are enrolled in the “Essential Plan 200–250,” you will lose your coverage starting July 1, 2026.
How do you know if this applies to you? Check your notice from NY State of Health, review your account at nystateofhealth.ny.gov, know your household income (Examples: If you have a family size of 4 people with a household income between $66,300 – $82,500/year or if you are in a single person household with an income of $31,920–$39,990), or contact your health plan.
If you or your family is in Essential Plan 200-250, you will lose coverage and should take action now to avoid a gap in health care coverage.
One thing you can do today is use your benefits before your coverage ends on 6/30/26. Schedule a health visit today if you are due for care before your coverage ends: www.cbwchc.org/schedule-online
Your Next Steps:
- Check your Mail/Text/Email: NY State of Health sent out notice to people on April 1, 2026. People received their 2nd notice in beginning of May. Please read carefully and discuss with your assistor to find the most affordable option for you. If you haven’t received it, call NY State of Health (855) 355-5777 or your health plan.
- Get Help at CBWCHC: Call (718) 886-7355 to speak with a certified health insurance navigator about new coverage options.
- If you do not enroll in any insurance, please do not stop your care. We’re here to help. CBWCHC offers sliding fee discounts based on your household income and family size, regardless of your ability to pay or loss of health insurance coverage. CBWCHC patients may also be eligible to get discounted prescription drugs at our partner pharmacies.
For other questions about healthcare options and services, please call (718) 587-1200.
Understanding Qualified Health Plan Options
The examples below show sample costs and coverage differences between common Qualified Health Plan (QHP) types available through NY State of Health. Actual costs may vary based on income, household size, and selected plan.
Note: Insurance fees and out-of-pocket costs including premiums, deductibles, and copays may vary across different health plans and are subject to change.
Current Essential Plan 200–250
Coverage ending June 30, 2026. You may need to switch plans to avoid a gap in coverage
Monthly premium
$0/month
Annual deductible
$0
Primary care visit
$15 copay
Generic medications
$6 copay
QHP Bronze Plan
Lowest monthly premium, higher out-of-pocket costs
Monthly premium
From $668/month
Annual deductible
$4,125
Primary care visit
$50 copay
Generic medications
$10 copay
QHP Silver Plan
Balanced monthly premiums and out-of-pocket costs
Monthly premium
From $868/month
Annual deductible
$2,450
Primary care visit
$30 copay
Generic medications
$15 copay
QHP Gold Plan
Higher monthly premiums, lower deductibles and care costs
Monthly premium
From $1,123/month
Annual deductible
$775
Primary care visit
$25 copay
Generic medications
$10 copay
QHP Platinum Plan
Highest monthly premiums, lowest out-of-pocket costs
Monthly premium
From $1,370/month
Annual deductible
$0
Primary care visit
$15 copay
Generic medications
$10 copay
Understanding Insurance Terms
Monthly Premium
Your monthly insurance payment to maintain health coverage.
Annual Deductible
The amount you pay before your insurance begins covering health care costs.
Copay
A fixed amount you pay for certain health care visits or prescriptions.
Payment & Insurance FAQs
We accept most major health insurance, including but not limited to:
- Aetna
- Affinity by Molina Healthcare
- Anthem Blue Cross Blue Shield
- Cigna Healthcare
- EmblemHealth
- Fidelis Care
- Healthfirst
- Humana
- MagnaCare
- Medicaid
- Medicare
- MetroPlusHealth
- UnitedHealthcare
- VillageCareMAX
- VNS Health
- Wellcare
- 1199SEIU Funds
Dental insurance also includes, but are not limited to:
- Aetna
- Affinity by Molina Healthcare
- Anthem Blue Cross Blue Shield
- Cigna Healthcare
- Delta Dental
- EmblemHealth
- Fidelis Care
- Guardian
- Healthfirst
- Medicaid
- MetLife
- MetroPlusHealth
- UMR
- UnitedHealthcare
- VillageCareMAX
- VNS Health
- Wellcare
We provide care to everyone regardless of your ability to pay or your health insurance status. If you qualify, we can help you enroll in government sponsored health insurance plans, including Medicaid, Child Health Plus, and Qualified Health Plan. The sliding fee discount program is also available to those who qualify.
Need assistance with health insurance? Our Health Insurance Enrollment team can help! You can call (212) 226-8339 (Manhattan), (718) 886-7355 (Flushing Queens), or (718) 298-5000 (Jamaica, Queens).
The sliding fee discount program is available to ensure everyone can receive primary health care services regardless of their insurance status or ability to pay. The discount level is based on a person’s household income and family size. For example, fees can be as low as $20 for a physical annual visit depending on eligibility.
We accept all major credit cards, checks, or cash for services.