Haris Ashley
The University of Utah Health Care accepts insurance from a variety of providers, including Medicare, Medicaid, and major commercial health plans. The University also offers its own health insurance plan for students through United Healthcare Student Resources, as well as an optional dental/vision insurance plan through EMI Health. Additionally, the University of Utah Employee Health Care Plan is available to full-time employees and their family members, covering medical, dental, and prescription costs. While the University does not specify whether it offers its own insurance plan for general patients, it does provide an easy-to-use cost estimation tool on its website.
| Characteristics | Values |
|---|---|
| Does the University of Utah Hospital offer its own medical insurance? | The University of Utah offers a health insurance plan to its students through United Healthcare Student Resources. The University also offers an optional dental/vision insurance plan for students through EMI Health. |
| Insurance plans accepted by the University of Utah Hospital | The University of Utah Hospital is in-network for most major commercial health plans. The hospital accepts traditional Medicare for all facility and professional services. The hospital is also in-network for all Humana, Blue Cross Blue Shield, and Aetna Standard Network facilities and physicians. |
| Insurance billing | The University of Utah Hospital will bill any available insurance before Medicaid. |
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What You'll Learn
University of Utah Health insurance plans
The University of Utah Health offers a range of insurance plans for its students, employees, and patients. Here is a detailed overview of the insurance plans:
Student Health Insurance Plans:
The University of Utah encourages students to have health insurance and offers a health insurance plan through United Healthcare Student Resources. This plan ensures that students have access to affordable healthcare services. If the student health plan does not meet an individual's needs, the university also directs students to the healthcare exchanges, which offer additional plans. The university also offers an optional dental/vision insurance plan for students through EMI Health.
Employee Health Insurance Plans:
The University of Utah provides health insurance coverage for its employees through the Employee Health Care Plan. This plan is offered to full-time employees within three months of their hire date or transfer to a full-time position. The university defines full-time employees as those working 30 hours per week on average. The Employee Health Care Plan has two Plan Design Options and two Network Options to choose from, allowing employees to select the best fit for their needs. The plan includes preventive services, autism spectrum services for family members, fertility assistance, and coverage for mental health and substance use disorders. Additionally, the university complies with the Affordable Care Act (ACA), ensuring that the health coverage offered meets the minimum requirements.
Patient Insurance Plans:
The University of Utah Health Care is in-network for most major commercial health plans. They accept traditional Medicare for all facility and professional services. However, patients with Medicare Advantage plans, provided through a third-party commercial insurer, are advised to confirm their in-network access. The university also accepts Utah Medicaid and most Medicaid HMOs for all facility and professional services. For private insurance plans, the university is in-network with Aetna Standard Network, Cigna, Humana, and out-of-state Blue Cross Blue Shield plans using the BlueCard network.
It is important to note that the list of accepted insurance plans is not exhaustive and may be subject to change. Patients are advised to contact their insurance company to determine their specific plan benefits and in-network status with the University of Utah Health.
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Insurance billing and payments
The University of Utah Health contracts with major health insurance carriers and transplant networks, but it is important to check with your insurance company to determine your plan benefits. The University of Utah Health is in-network with the following plans:
- Aetna Standard Network
- Cigna ACA/Insurance Marketplace plans
- Humana
- Medicare
- Out-of-state Blue Cross Blue Shield plans that use the BlueCard network
If you have two health insurance plans, the health insurance where the patient is the subscriber is billed first. This is called the Coordination of Benefits (COB). Patients are responsible for notifying their insurance company of any changes to their coverage that may affect their COB. If you do not provide these updates, insurance payments may be denied until you update your COB information.
If you do not have insurance, you may pay a deposit of up to $150 for a clinic visit. This is subject to change depending on the service. For scheduled services, such as surgery, testing, or imaging, you pay the total estimated charges before the time of service. If you are unable to pay the full estimated charges, you must deposit half of the cost before or at the time of the service.
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.
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Medicaid and Medicare
The University of Utah Hospitals & Clinics provides a list of insurance plans that it accepts, which includes Medicare. However, it is not an exhaustive list, and it is recommended that patients contact their insurance company to determine their specific plan benefits.
The University of Utah Health offers a range of insurance plans, including those for individuals, families, and employer groups, with a focus on improving the quality of care and reducing costs. The University of Utah also offers a health insurance plan through United Healthcare Student Resources, although the Student Health Center is not a Medicaid provider.
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Student health insurance
The University of Utah strongly encourages all students to have health insurance and offers a health insurance plan through United Healthcare Student Resources. The university also offers an optional dental/vision insurance plan for students through EMI Health.
The Student Health Center is not a Medicaid provider, and many other insurance options and Medicaid are not billable through the Center. Students with no insurance can benefit from lower prices at the Student Health Center than in the wider community.
The University of Utah Health accepts a range of insurance plans, including Aetna Standard Network, Cigna ACA/Insurance Marketplace plans, and Humana. The university's health facilities and physicians are also in-network with out-of-state Blue Cross Blue Shield plans, as long as the plan uses the BlueCard network.
It is important to note that the list of accepted insurance plans is not all-inclusive and may be subject to change. Students are advised to contact their insurance company to determine their specific plan benefits and understand how multiple insurance plans work together if they have more than one.
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Employee health insurance
The University of Utah offers an Employee Health Care Plan, which is self-funded by the University and is compliant with the Affordable Care Act (ACA). Employees enrolled in the plan, their family members, and anyone else living in the employee's home can access services through the Employee Assistance Program at no cost. The plan covers preventive services, services for family members on the autism spectrum, fertility assistance, and mental health and substance use disorder treatments.
The University of Utah's Employee Health Care Plan has two plan design options and two network options to choose from. The specific benefits of each option are outlined in the Summary Comparison of Medical and Dental Benefits 2024-2025. This document details information on network providers, annual deductibles, coinsurance percentages, copayments, and out-of-pocket maximums.
The University accepts most major commercial health plans and is in-network for all facilities and physicians with several insurance companies, including Aetna Standard Network, Cigna, Humana, and Blue Cross Blue Shield. The University also accepts Medicare and Medicaid for all facility and professional services.
It is important to note that the University of Utah does not have its own insurance company. The University encourages students to have health insurance and offers a health insurance plan through United Healthcare Student Resources.
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Frequently asked questions
The University of Utah Health Care is in-network for most major commercial health plans. The University of Utah also offers an Employee Health Care Plan, which is ACA-compliant and offers two Plan Design Options and two Network Options. The University also offers health insurance for students through United Healthcare Student Resources.
If you do not have insurance, you may pay a deposit of up to $150 for a clinic visit. This is subject to change depending on the service. You will then be billed for the remaining amount. If you are having a scheduled service/procedure, such as surgery, testing, or imaging, you pay the total estimated charges before the time of service.
If you are covered by more than one insurance plan, it is important to understand how your insurance plans work together. The process of determining which insurance is the first to be billed (primary) is called Coordination of Benefits (COB). Understanding COB processes and rules helps make sure your claims are paid timely and appropriately.
