Patient Financial Responsibility
Patients and their families have been taking on a bigger share of health care costs in recent years as insurers and employers raise premiums, deductibles and other out-of-pocket costs. The following tips can help you keep on top of these expenses, prevent unnecessary health costs or lower your total annual healthcare spend.
Tips for Managing Out-of-Pocket Costs
- To find out what your insurance plan benefit covers and what your financial obligation may be, call the customer service or member services department of your insurance company (the phone numbers are on your insurance card). Your employer's human resources department may also be a source of information and assistance.
- If you do not see your physician and/or hospital listed as contracted with your health plan contact the UChicago Medicine’s Office of Managed Care at managed.care@uchospitals.edu, or see our current list of insurers.
- Please make sure that your insurance company lists both your UChicago Medicine physician and hospital as contracted providers. It is possible that only the physician or only the hospital is contracted with your insurance plan.
- If our hospital and/or physicians are not in your insurance company's network, we are still happy to provide you with services. If your policy has out-of-network benefits, your insurance plan may still cover the services. However, you may be responsible for paying a higher amount out-of-pocket than if you had received services from an in-network provider.
- Make sure to confirm whether a test or service is covered by your insurance plan. If your insurance plan does not cover a service or procedure, you may be liable for full payment of the bill.
- If your insurance plan does not cover a service or procedure, you may be liable for full payment of the bill.
If your insurance plan requires a referral and one is not provided, you will be responsible for full payment at the time of service, or your appointment may need to be rescheduled. If your specialist recommends additional visits or tests beyond what your insurance covers, or if your referral has expired, you will need to contact your primary care doctor to request a new referral or get prior authorization.
- Please be aware that our outpatient visits are billed as "hospital-based outpatient clinics," and not private doctor office visits. Some insurance plans pay different benefit levels for each type of visit.
- It is important to understand your insurance plan’s current benefit and coverage rules. Policies and coverage determinations may vary from year to year.
- You are responsible to notify us of your insurance and any changes to your insurance coverage.
- Should you require additional assistance regarding your out-of-pocket cost, we can provide you with financial assistance options.
Tips for Managing Out-of-Pocket Costs
- To find out what your insurance plan benefit covers and what your financial obligation may be, call the customer service or member services department of your insurance company (the phone numbers are on your insurance card). Your employer's human resources department may also be a source of information and assistance.
- If you do not see your physician and/or hospital listed as contracted with your health plan contact the UChicago Medicine’s Office of Managed Care at managed.care@uchospitals.edu, or see our current list of insurers.
- Please make sure that your insurance company lists both your UChicago Medicine physician and hospital as contracted providers. It is possible that only the physician or only the hospital is contracted with your insurance plan.
- If our hospital and/or physicians are not in your insurance company's network, we are still happy to provide you with services. If your policy has out-of-network benefits, your insurance plan may still cover the services. However, you may be responsible for paying a higher amount out-of-pocket than if you had received services from an in-network provider.
- Make sure to confirm whether a test or service is covered by your insurance plan. If your insurance plan does not cover a service or procedure, you may be liable for full payment of the bill.
- If your insurance plan does not cover a service or procedure, you may be liable for full payment of the bill.
If your insurance plan requires a referral and one is not provided, you will be responsible for full payment at the time of service, or your appointment may need to be rescheduled. If your specialist recommends additional visits or tests beyond what your insurance covers, or if your referral has expired, you will need to contact your primary care doctor to request a new referral or get prior authorization.
- Please be aware that our outpatient visits are billed as "hospital-based outpatient clinics," and not private doctor office visits. Some insurance plans pay different benefit levels for each type of visit.
- It is important to understand your insurance plan’s current benefit and coverage rules. Policies and coverage determinations may vary from year to year.
- You are responsible to notify us of your insurance and any changes to your insurance coverage.
- Should you require additional assistance regarding your out-of-pocket cost, we can provide you with financial assistance options.