Understanding Insurance and Billing
Read our guide, Understanding Insurance and Billing Basics (PDF).
How to Read Your Statement
Follow these steps (PDF) to understand how to read your statement.
If you have questions about billing, contact us at:
Account Resolution Department
866-648-2455 (toll-free outside the Dallas area)
Copays and Deductibles
It is our policy to collect each patient’s copay, co-insurance, and any known deductibles at the time of the appointment. For patients’ convenience, we accept checks, Visa, MasterCard, Discover, and American Express.
Patients should also be prepared to pay for services not covered by health insurance. We might ask for payment in full at the time of service for cosmetic care, elective care, or certain supplies.
Our bill reflects all the services patients receive during their visit, whether they were here for a clinic appointment, lab test, procedure, or extended hospital stay.
- For hospital stays, charges fall into two categories: a basic daily rate, which includes room, meals, nursing care, housekeeping, and phone; and charges for special services, which include items that the physician orders for patients such as X-rays or laboratory tests.
- For clinic visits, patients will see provider charges for each physician or other health care provider and itemized costs for any procedures, diagnostics, or imaging and lab tests.
All these charges are consolidated into a single monthly statement that will be sent to patients electronically via MyChart, our secure online health management tool, or through regular mail if patients are not enrolled in MyChart.
If Patients Receive Multiple Bills
After receiving medical care from a UT Southwestern physician, clinic, or hospital, patients will receive one monthly statement from our health system. The statement will include all services provided in multiple locations such as a hospital, clinic, laboratory, or imaging center.
Patients might receive additional statements from independent laboratories, physicians, or other third-party providers affiliated with, but not employed by, UT Southwestern. Because these professionals are independent contractors, we do not have access to their billing information. It is a legal requirement for these providers to submit separate bills for their services, rather than combine them with the single bill from UT Southwestern.
Health Insurance Claims
We recommend that all patients familiarize themselves with the terms of their insurance coverage so that they understand UT Southwestern’s billing procedures and charges.
Patients will be asked to provide their insurance information and present their insurance card for UT Southwestern to process their claims. We accept a wide variety of insurance plans.
Submitting Bills to Health Insurance Companies
UT Southwestern will submit charges directly to patients’ health insurance companies for payment.
Our registration staff will ask patients to provide or confirm their insurance information at each visit. Cooperation in giving complete insurance information will enable the claim to be paid quickly.
We will notify patients if we’re unable to submit a claim. In that event, we might request payment from the patient at the time of service.
Regardless of the type of insurance coverage, patients are ultimately responsible for paying their medical bills. Although UT Southwestern will file a claim on the patient’s behalf and seek payment from the insurance company, if the claim is rejected or denied we will look to the patient for payment.
We request that the patient pay for all known deductibles, co-payments, and noncovered services at the time service is rendered. We’ll also ask patients without insurance for payment when service is provided.
In addition, UT Southwestern requests that all previously unpaid balances be paid prior to a new visit.
UT Southwestern accepts all major credit cards. If patients wish to make monthly payments, a financial counselor can assist with any arrangements.