University of Utah Health: Plans We Accept
We contract with most major health insurance carriers. The list on this page shows the insurance plans we currently accept. We update this list periodically, and it is subject to change. This list is not a guarantee of network participation with any payer.
Call your insurance company for more details about your benefits. You are responsible for your out-of-pocket amounts as indicated by your insurance. You may see and hear references to several payment types:
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Copayments—Set fees you pay for health care services
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Deductibles—The amount you pay before your insurance pays
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Coinsurances—The percentage of your bill you pay after meeting your deductible
Insurance plans have a list of in-network providers. Being “in-network” means these providers contract with your insurance to offer health care services for certain rates. You pay less out-of-pocket for your care when you go to an in-network provider.
Contact Your Insurance Company Before Your Visit
Our list of insurance providers is not all-inclusive and can change. Before your visit, please contact your insurance company to find out which U of U Health facilities and health care providers are in-network for your plan. Contact our Patient Financial Advocates at 801-581-2957 for additional questions about insurance.
Our Insurance Plan Partners
Understanding Your Health Insurance Card
You receive an updated health insurance card when you sign up for a new plan or at other times determined by your insurer. This card has important details:
- Billing information
- Contact information for your insurance company
- Copay amounts (the set fees you pay for health care services and prescriptions)
Get a Price Estimate
In accordance with the CMS 2019 IPPS final rule, University of Utah Health has published its list of standard charges and negotiated rates.
Estimate Your Out-Of-Pocket Costs
University of Utah Health has developed a tool that helps you compare and calculate how much you'll pay out-of-pocket for health care services and procedures.
What Is a Coordination of Benefits?
Coordination of Benefits (COB) rules apply if more than one insurance plan is paying for your care. COB rules determine which insurance plan pays first (the primary plan) and which pays the rest (the secondary plan).
Your COB affects whether your insurance plan pays your medical claims on time. You must notify your insurance if you have coverage changes that affect your COB. For example, job changes, retirement, or a change in who your plan covers, such as a new spouse or child, can all affect your coverage. Your insurance provider may not pay your medical claims if you don’t tell them of changes.
How Does Coordination of Benefits Work?
You may have a COB if you fall under one of several circumstances:
Two Health Insurance Plans
Some people have two health insurance plans. The plan you subscribe to is your primary plan. One that covers you as a spouse, child, or other dependent is the secondary plan.
Some children have an insurance plan from each parent. The birthday rule applies in these cases. The birthday rule says the parent whose birthday comes first in the calendar year holds the primary plan. The birthday rule uses each parent’s birth month and day.
Health Insurance and Auto Insurance
COB may apply in auto accidents:
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Auto insurance (of whoever is driving) is the primary plan, and your health insurance is the secondary plan. This applies if you have a car accident while driving or are in a car accident as a passenger, pedestrian, or bicyclist.
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Your health insurance is the primary plan. This applies if you are in an accident in a recreational vehicle, such as a motorhome or camper van.
Workers’ Compensation Fund
Workers’ compensation insurance is usually the primary payer if you’re involved in an accident at work. We bill your health insurance if your workers’ compensation claim gets denied.
Government Insurance Processes
Medicare is the federal health insurance plan for people 65 and older and some younger people with medical disabilities. It’s the primary insurance plan for many people. We bill Medicare supplemental plans as the secondary insurance plan.
There are some scenarios when Medicare becomes the secondary plan:
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You have health insurance through an employer or a family member’s employer.
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You have end-stage renal disease (also known as end-stage kidney disease or kidney failure). Our staff determines your order of benefits using a Medicare questionnaire.
There are a few scenarios when we don’t bill Medicare at all:
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A liability insurance, such as home or auto insurance, is responsible for payment.
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Veterans Affairs has authorized payment.
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You are enrolled in a Medicare Advantage Plan.
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You have had a work-related accident.
Some people qualify for Medicaid, the federal and state insurance program for people with limited financial resources. We bill all available insurance plans before Medicaid.
What Should I Do If I Have No Health Insurance?
There are several self-pay options if you don’t have insurance:
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Outpatient clinic visits: You may pay a deposit of up to $150. You’ll receive a bill for the remaining amount. Deposit fees may change depending on the service.
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Scheduled services and procedures: You may be subject to other payment policies for scheduled services and procedures, such as imaging tests or surgery:
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You typically pay 50% of the total estimated charges up-front. However, in some cases you may need to pay the entire total up-front.
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You deposit half the cost before or at the time of service if you cannot pay the full estimate.
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Contact one of our Patient Financial Advocates at 801-581-2957 for any questions. You may also estimate your costs with our estimate tool.
Can I Still Go to University of Utah Health If My Insurance Plan Is Not Accepted?
Go to the nearest emergency room in cases of emergency. Your insurance may cover emergency room costs or they may transfer you to an in-network hospital after you’re stable. Learn more about the No Surprises Act.
You may pay a larger out-of-pocket part of your bill for other services. Call your insurance provider to discuss details.