Understanding Your Costs and Coverage
Thank you for choosing UW Medicine. We know that understanding your healthcare costs can be a challenge — we’re here to help. Your healthcare costs depend on many factors such as your
insurance plan and its cost-sharing features, where you are cared for and the type of services you receive. We have resources available to help you
estimate your cost of care,
understand the billing process,
get the full benefit of your insurance coverage and
find contact information.
There are ways to
prepare for your financial responsibilities before, during and after your medical care. From knowing your insurance coverage ahead of time to reading your
explanation of benefits to understanding your bill, we want to help you know how best to manage your financial responsibilities.
Insurance coverage varies among individual insurers and policies. Most
insurers publish benefit information online or in a benefit manual that you can obtain directly from your insurer. We encourage you to call your insurance company before your visit to understand what your insurance will pay, which providers are in network and your out-of-pocket responsibility.
UW Medicine staff will ask for your insurance information before your visit. After your visit, we will file claims for services rendered to your insurance plan(s). If you have coverage with more than one insurance company, it may be necessary for you to help coordinate billing and payment information between payers.
After your insurance has processed the claim, you should receive an Explanation of Benefits (EOB) from your insurer. This statement explains what services were billed, what was covered by the insurer (including a reason if a service was not covered) and any balance you will owe. You will receive a statement either in the mail (or electronically if you have selected to receive your statements in this manner) from the responsible UW Medicine entity. This statement will show the balance you owe after your insurance has processed your claim.