Patients with Insurance and Medicare


With health care reform, many new health plans require you to pay high deductibles before your insurance coverage begins. Our pricing specialists can assist in providing estimates for out-of-pocket costs.  Your insurance company will have the most recent information with regard to what services have met your deductible.  We recommend that you contact your insurance carrier for the most accurate estimate of what you will owe out-of-pocket.

Visit our Insurance page to see a list of insurance plans accepted at UMHS, coordination of benefits information if you have multiple insurance plans, and information related to referrals and authorization.

If you have questions, please call our Patient Financial Counselors at (877) 326-9155 between 8 a.m. and 8 p.m. Monday-Friday. Or email them at


Medicare is the federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD).  Your out-of-pocket costs may vary based on whether you have Medicare Part A or Medicare Part B.

Visit the Medicare website for more information on how to apply and other frequently asked questions. Visit the Medicare Cost at a Glance page for quick information about Part A and Part B deductible and premiums.  To find your out-of-pocket estimate for a specific service, visit the Medicare Coverage page at