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Today is the final day people can register for health insurance through New York's exchange in order to have coverage begin Jan. 1. 

The state's exchange has enrolled around 135,000 for coverage. About 70 percent of those went with private insurance; the rest Medicaid.

People who enroll must make their first payment before Jan/ 10 in order for their insurance to take effect. New York hopes to enroll over a million uninsured people into new medical plans by 2016.

Some Genesee County residents may experience a major headache with regards to the marketplace.

If you signed up for MVP healthcare through the exchange system, you may have difficulty utilizing United Memorial Medical Center.

UMMC says the popular healthcare provider is not listing UMMC as an “in network” provider only for those who bought MVP plans on New York’s healthcare marketplace.

“If you choose an MVP product then come to United Memorial,” spokesperson Colleen Flynn said, “that’s considered out-of-network which means it will not cover any portion of the visit.”

Flynn says it’s also confusing because many UMMC physicians are listed as in-network, but not the hospital itself.

She says negotiations are ongoing and they hope to resolve the problem.

“We’re disappointed,” Flynn said. “We’ve worked very hard with trying to contract out terms with MVP for the MVP product by today (Monday) so that people could have seamless coverage. Unfortunately, it didn’t happen. We’re hopeful that we can be included and that eventually this will get worked out.”

With today being the last day to sign up to have insurance on Jan. 1, Flynn recommends really doing research to make sure both the physician and the affiliated hospital are in-network, like with Fidelis, Independent Health and Blue Cross.

“I think it’s really important for people to look at and understand their insurance,” she said. “I don’t think there any insurance companies participating with the exchange that provide out-of-network care.”

Flynn says UMMC has never refused a patient because of their ability to pay, especially in emergency situations.

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