Find definitions for common insurance terms that may appear on your bill or statement.

Intermountain Healthcare hospitals and doctors contract with many insurance plans. Contact your insurance provider to verify your coverage at one of our facilities.

Frequently Asked Questions

1. Will Intermountain contact my insurance for precertification or authorization?

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

2. I have multiple health insurance companies. How do I know who to bill? 

Coordination of benefit rules apply. Contact your provider for help in determining the proper order for billing.

Utah Department of Insurance – Consumers (

3. If my insurance doesn't consider Intermountain as a preferred provider, will you bill my insurance?

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.

4. What if my insurance company does not authorize or cover services?

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.

5. Why aren't all services covered by my insurance company?

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.

6. What if my claim is denied?

Contact the facility listed on your statement for additional assistance.

7. What if my insurance coverage changes?

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

8. What should I do if my insurance sends its payment directly to me?

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.

9. Why do I still owe a balance if my insurance company has paid?

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

10. What does usual and customary mean? How does this work?

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.

11. If I receive services because of an accident at work, will you send the claim to my employer?

Due to confidentiality, we are unable to send bills directly to your employer. However, we will send claims directly to your employer's Workers Comp carrier. We will need their name, address and claim number. You may take your bill to your employer and work directly with them.



Find definitions for common insurance terms that may appear on your bill or statement.