Unlike people who are covered by an employer-sponsored health plan, people who are eligible for Medicare can change health plans at any time. Before you make any decisions about your health plan changes, speak with your doctor to make sure your decision will not affect the care you need.

Health insurance plans provide members with health coverage. There are different types of health insurance plans, such as HMOs and PPOs. The health insurance plan contracts with medical groups, such as Intermountain Health, hospitals, and other medical providers to provide care to their members — you, our patient. We are not an insurance plan. We are your doctors and care teams; we provide you with your medical care.

Intermountain bills all insurance carriers. If your insurer does not include Intermountain as a preferred provider, you may be billed for non-covered charges or be responsible for reduced benefits.

Please contact your carrier to verify your coverage and/or benefits.

The usual and customary fee schedule is set up so that non contracted providers are reimbursed at a rate comparable to other HMO reimbursements in the same geographical area. The patient is responsible for charges that exceed the usual and customary amount.

Contact the facility listed on your statement for additional assistance.

You will be responsible for charges your insurance company does not authorize or cover. It is recommended that you contact the ordering provider to discuss whether to receive the service and for other possible funding sources.

You should bring your current insurance card to your next visit. You should also contact our billing offices to provide updated information.

Insurance payments for claims that are sent directly to you, whether from primary or secondary insurance companies, should be used to pay outstanding charges to Intermountain Healthcare. Patients are financially responsible for all outstanding charges. Either deposit the insurance check and send us a personal check, or forward the insurance check as soon as possible.

Under any plan, there may be services that are not covered because the insurance company may consider them routine or unnecessary. If you disagree with the decision, you should contact your insurance company for more information.

Based on your insurance plan, you may be responsible for deductibles, copays and co-insurance for fees not covered by your insurance company.

It is recommended that you contact your insurance plan or provider directly if you have any questions or concerns about precertification or preauthorization.