Health insurance terms and requirements can affect how and when your care is covered — and what you may need to pay. Understanding referrals, copayments, deductibles, coinsurance, and whether your care is in-network can help you avoid unexpected costs and plan ahead for your visit.

Learn what you need to know before scheduling an appointment.

Confirm Your Insurance Coverage 

• Check the UMass Memorial Health insurance plans accepted list and contact your insurance provider to verify coverage.
• Ensure UMass Memorial is considered "in-network" for your specific plan. 

Understand Your Insurance Benefits

• Contact your insurance company to confirm benefit coverage before receiving care.
• Review your plan’s tiered or limited network details, as cost-sharing levels may vary depending on where you receive care.
• Verify if referrals or authorizations are required for specific services, as these may affect your coverage. 

Special Insurance Considerations

Understanding Health Plan Referrals, Networks, and Medicare Coverage

Many health plans require members to obtain a referral from a primary care provider before seeing a specialist.

UMass Memorial Health is participating with Original Medicare, but not contracted for some Medicare Advantage plans. For a list of Medicare Advantage Plans with which we participate, view the list of accepted insurance plans.

Certain companies may also require certain services be provided by specific providers within the provider network in order for those services to be covered in full. Some health plans refer to this...

Media Relations Staff

General email: media@umassmemorial.org

UMass Memorial Medical Center

Kristy Lee
Media and Public Relations Manager
UMass Memorial Medical Center
email: kristy.lee@umassmemorial.org

For media inquiries about the academic, scholarly and biomedical research activities of the University of Massachusetts Chan Medical School faculty and staff, contact: 

email:  UMassChanCommunications@umassmed.edu
Telephone: 508-856-2000
@umasschan
Visit: https://www.umassmed.edu/oc/media/ 

UMass Memorial Health – Harrington

Kristy Lee
Media and Public Relations Manager
email: kristy.lee@umassmemorial.org

Chr...

Our first priority is always the safety and privacy of our patients and their families. With that in mind, we strictly enforce HIPAA laws that limit the amount of patient information we may release without written consent from a patient or patient representative.

Patients have the choice of opting in or out of the patient registry. If they agree to opt-in, UMass Memorial Health will release a one-word condition about their status upon request from the media based on standard language acceptable under HIPAA laws and American Hospital Association guidelines. Location – inpatient, outpatient or...