Understanding Your Medicare Options

No. These changes will not affect patients with Traditional Medicare Parts A & B—Oswego Health will continue to accept these plans without interruption.

As of September 12, 2025, effective January 1, 2026, Oswego Health will be in-network for the following Medicare Advantage plans across all our entities, including Oswego Hospital, Oswego Health Medical Practice, Seneca Hill Manor, and Oswego Health Home Care:

• Aetna
• Excellus BlueCross BlueShield
• MVP
• Wellcare
• Fidelis Care

These plans are fully contracted with Oswego Health and provide in-network coverage at all our locations. This list above is subject to change, but patients will be notified prior to Open Enrollment.

Humana Medicare Advantage plans will no longer be in-network with Oswego Health effective January 1, 2026.

If you are currently enrolled with Humana, you may want to explore other in-network Medicare Advantage options or Traditional Medicare Parts A & B to ensure continued access to care at Oswego Health.

If your plan is affected, we recommend:

1. Reviewing your plan options during Medicare Open Enrollment this fall.
2. Considering one of our confirmed in-network plans (Excellus, Aetna, MVP, Wellcare, or Fidelis Care) to continue care at Oswego Health.
3. Attending a free informational session before Open Enrollment.

Here’s the current status of UnitedHealthcare (UHC) coverage with our providers:

• Seneca Hill Manor (Skilled Nursing Home): Currently not in-network with UHC.
• Oswego Health Medical Practice: Currently in-network, but will be out-of-network starting December 1, 2026. You can view our provider on page 5 of the Medicare Resource Book.
• Oswego Health Home Care: Currently in-network, but will be out-of-network starting July 1, 2026.
• Oswego Hospital: Remains in-network with UHC.

If you have questions about how these changes may affect your care or coverage, please email medicareinfo@oswegohealth.org. Additionally, the Oswego County Office for the Aging is a helpful local resource for Medicare guidance. They can be reached at 315-349-3484.

You may be eligible for continuity of care coverage, which allows you to continue seeing your current provider for a limited period while you transition to a new plan.

For more information on continuity of care rights, visit the New York State Attorney General’s website: Continuity of Care

We are here to support you:

• Email medicareinfo@oswegohealth.org
• Visit our dedicated webpage for a schedule of in-person and virtual informational sessions this fall: www.oswegohealth.org/medicare

Additionally, the Oswego County Office for the Aging is a helpful local resource for Medicare guidance. They can be reached at 315-349-3484.

All providers at Oswego Health who are part of our confirmed in-network Medicare Advantage plans—Excellus BlueCross BlueShield, Aetna, MVP. Wellcare, and Fidelis Care—will continue to see patients under those plans.

To verify your specific provider’s participation, please use our online provider directory: Oswego Health Provider Directory. You can search by provider name, specialty, or location to confirm that your doctor is in-network with your plan.

Oswego Health remains committed to caring for our community, and we will always do our best to support our patients regardless of insurance coverage. However, starting in 2026, if your insurance is not through Traditional Medicare or one of the Medicare Advantage plans we contract with, your plan may consider Oswego Health out-of-network. This could result in higher out-of-pocket costs or, in some cases, require that certain services be received elsewhere. We encourage you to review your options carefully during Open Enrollment to ensure continued access to care with us.

Please check with the Plan Administrator to better understand your out-of-network benefits. Depending on your plan, there may be higher out-of-pocket costs, or in some cases, services may be required to be performed elsewhere.

Absolutely. Emergency care is available to all patients, regardless of their insurance status.

Patients undergoing ongoing medical treatment should contact their insurance company to verify if their medical condition is covered under continuity of care benefits, which would allow them to continue receiving treatment from Oswego Health. Call the phone number on the back of your insurance card to determine if your care will be covered.

Nationwide, healthcare systems are rebalancing their Medicare Advantage contracts due to growing issues, including high denial rates, administrative delays, and a lack of transparency. We are choosing to work with plans that collaborate, communicate, and prioritize patient care today, as many of the Medicare Advantage contractual relationships are unsustainable in today’s environment.

We're informing you now so you can plan during the next open enrollment period (October 15-December 7, 2025). This ensures that you can maintain uninterrupted access to your providers at Oswego Health.

Beginning January 1, 2026, Humana will no longer be in-network at any Oswego Health location, including Oswego Hospital, Oswego Health Medical Practice, The Manor at Seneca Hill, and Oswego Health Home Care.

Here’s what this means for you:

• Because Humana will be out-of-network, you may face higher out-of-pocket costs or, in some cases, may need to receive certain services elsewhere.
• Please check with your Plan Administrator to better understand your out-of-pocket costs and out-of-network benefits
• If your plan has out-of-network benefits, Oswego Health will continue to provide services and bill your insurance company.

We strongly encourage you to review your coverage options during Open Enrollment to make sure you can continue your care with Oswego Health. Our team is here to help answer questions and guide you through your choices.

YOU HAVE OPTIONS

You can choose a new Medicare Advantage plan that keeps Oswego Health in-network. Switching plans is simple—and you will keep all your Medicare benefits.

YOU MAY BE ELIGIBLE FOR A ONE-TIME PLAN CHANGE

From January 1 – March 31, 2026, the Medicare Advantage Open Enrollment Period allows individuals already enrolled in a Medicare Advantage plan to make one change.

You may use this time to:

• Switch to another Medicare Advantage plan, or
• Return to Traditional Medicare

HOW TO SWITCH PLANS

Here are easy ways to explore or change plans:

1. Call 1-800-MEDICARE (1-800-633-4227)
2. Visit Medicare.gov and use the “Find & Compare Plans” tool
3. Speak with a licensed Medicare insurance agent
4. Be sure to tell them you want a plan that keeps Oswego Health in-network. PLANS OSWEGO HEALTH IS

IN-NETWORK WITH FOR 2026 ACROSS ALL ENTITIES:

• Traditional Medicare
• Excellus BlueCross BlueShield
• MVP Health Care
• Aetna
• Fidelis Care
• WellCare