UCHealth strongly encourages you to consult with your health insurer to determine accurate information about your coverage and benefits for a particular health care service provided at a UCHealth facility.
It is important for you to know your insurance plan and how much of your deductible you have met. Your out-of-pocket responsibility will vary based on your individual insurance plan and deductible.
Insurance plans accepted
UCHealth works with major payers to provide access to our facilities to as many individuals as possible, and our facilities are in-network for most insurance plans.
- However, please note that this list is not exhaustive of all payers, and UCHealth may be out-of-network for some products offered by the payers listed.
- To confirm if your insurance provider or specific plan is contracted with any of our facilities, contact your insurance provider and your clinic to confirm network status.
**Before receiving services, contact your health insurance company to verify your personal benefits, plan limitations, and referral and/or pre-authorization requirements, and in- or out-of-network status.**
Please be aware that your insurance plan may allow you to go out-of-network with proper authorization. If your insurance provider or plan is out-of-network with your UCHealth facility, contact your clinic to find out if an out-of-network authorization can be obtained. UCHealth does not participate with most Limited Benefits Plans, regardless of whether the plan provides authorization.
The phone number listed below may not match the phone number listed on the back of your insurance card. Call the phone number on the back of your card for the most accurate information.
Aetna — 1-800-872-3862
Anthem Blue Cross/Blue Shield — 1-800-810-2583
CHP+ (Colorado Access) — 1-888-214-1101
Cigna/GreatWest* — 1-800-244-6224 (group) or 1-866-494-2111 (individual)
Cofinity — 1-800-831-1166
Colorado Access — 1-855-469-7226
CICP — 720-848-1025
Coventry/First Health* — 1-800-226-5116
Denver Health — 303-602-2100
First Choice Health — 800-467-5281
First Choice of the Midwest — 888-246-9949 Option 4
Humana — 1-800-833-6917
Kaiser — 303-338-3800
Lifesource — 1-800-668-9682
Mulitplan/PHCS* — 800-922-4362 or 888-342-7427
Optum Health (formerly URN) — 800-873-4575
Pinnacol Assurance — 303-361-4000
Rocky Mountain Health Plan (RMHP) — 970-243-7050
Tricare HealthNet — 1-844-866-9378
UCHealth Plan Administrators — 800-207-1018
United Healthcare/PacifiCare of Colorado — 800-516-3344
* In addition to typical health insurance, these insurance carriers are known to offer Limited Benefits Plans, which we do not always accept.
UCHealth accepts Medicare.
New to Medicare? If you’re not already enrolled in Original Medicare, we can help. We’ve partnered with eHealth, an independent insurance broker, to help you:
- Review the Medicare plans accepted by your UCHealth providers.
- Compare premiums, co-pays and prescription drug out-of-pocket costs.
- Find the Medicare plan that’s right for you.
UCHealth is contracted with many Medicare Advantage plans. You should consult with your Medicare Advantage plan to confirm if your plan is in-network at the UCHealth facility or location you intend to use.
A Medicare Advantage plan, or Medicare Part C, is a Medicare insurance plan offered by a private company that contracts with Medicare to provide you all your Original Medicare Parts A and B benefits as well as any additional coverage offered through the Medicare Advantage.
UCHealth accepts Medicare Supplement insurance plans. A Medicare Supplement insurance plan is an additional insurance that works in conjunction with Medicare Part A and Medicare Part B. It is designed to fill the gaps in coverage, like copays, coinsurance, and deductibles, that Medicare does not cover.
Medicaid/Health First CO and income-based programs
UCHealth accepts Colorado Medicaid and Medicaid coverage from some other states. Medicaid is a health assistance program financed by federal, state, and local taxes to help pay hospital and medical costs for persons of low income.
To learn more, or if you would like to apply for Colorado Medicaid, you can visit https://coloradopeak.secure.force.com/ to learn more about this program as well as identify if you may be eligible. Income guidelines and the application process are available on the websites mentioned.
Income-based plans include:
CHP+ (Colorado Access)
The Colorado Indigent Care Program (CICP) provides discounted health care services to low-income people and families. CICP is NOT a health insurance program. Not all UCHealth facilities participate in CICP.
Other government payers
UCHealth accepts other government payers like Tricare and VA Coverage with proper prior authorization.
Out of network and Limited Benefits Plans
Limited Benefits Plans offer limited coverage and reimbursement for limited services. In other words, they pay very little for very few types of services. They can be appealing because they have lower premiums. Though limited benefits plans may seem like health insurance, they are not. Often, patients with these types of plans do not realize that the plan they have purchased is not health insurance, and that their plan won’t really cover the services they need.
Patients with this type of “coverage” can still be seen at UCHealth-affiliated facilities, but we do not obtain prior authorizations or bill them on behalf of patients. We will bill the patient in accordance with our self-pay policies, and the patient is responsible for paying us directly and at those rates. If the patient wants to seek reimbursement from their Limited Benefits Plan, they will need to work with the plan directly. (If patients need a detailed statement of their services, otherwise known as an Itemized Statement, patients can submit your itemized statement request online or contact us).
Limited Benefits Plans are not always easy to identify, and the cards these plans give to their members are often confusing. Limited Benefits Plans go by many names, including, but not limited to: limited benefits plans, cost sharing plan, health sharing plan, Christian/ministry plan, practitioner-only plan, physician-only plan, etc. Sometimes the plan cards do explicitly state that the plan is not health insurance. If your plan card has any of these phrases on it, you may have a limited benefits plan.
Limited Benefits Plans also often use a practice called “unilateral pricing,” which means the plan tries to dictate to a hospital or doctor how much they should be paid for providing health services to their members, even though the plan doesn’t have a contract with the hospital or doctor. Many of the cards for these types of plans state something like “acceptance of this card indicates acceptance of the plan’s benefit as payment in full,” “this plan pays for all services at 140% of the Medicare allowable amount,” or even “accepting this card waives the provider’s right to bill the patient.” UCHealth is not bound by these types of statements and if we do bill the plan, the final balance after the plan has paid would become the patient’s responsibility.
Additionally, Limited Benefits Plans may tell their members that they can go to any hospital they want or use any doctor they choose, but that does not mean that the plan is in-network or accepted by us. If your plan utilizes a unilateral pricing practice, if your plan card has any of the above phrases on it, or if your plan tells you that you can go to any hospital you want, you may have a Limited Benefits Plan.
Here is a list of some, but not all, limited benefits plans that UCHealth does not accept and will not bill:
- ACS Benefit Services
- BAS (Benefit Administrative Systems) – 6 Degrees
- Christian Healthcare Ministries
- Clearchain ClaimDOC
- Compass Essential
- EBMS (Employee Benefit Management Services) – 6 Degrees
- Enterprise Group Planning
- Health Plan Inc (hpi)
- Impact Health Sharing
- Liberty HealthShare
- Lockard and Williams
- Lucent Health
- Mittera Group Inc
- Navajo Apostrophe
- PFG Precision Optics
- Samaritan Christian Health Share
- Sana Banefits
- Solidarity HealthShare
Not all Limited Benefits Plans are alike and even if your card doesn’t include any of the above phrases, you may still have a Limited Benefits Plan. If you think you may have a limited benefit plan, please reach out to our financial assistance team for assistance. Likewise, just because your plan does state some of the above phrases, the specific service you need a specific UCHealth location may be covered.
Get more information about financial assistance, billing estimates, and other billing questions using the right-side links at the top of this page.
This information is provided for general summary information only. It is not intended to provide specific advice. UCHealth makes no warranties, express or implied, regarding errors or omissions, and assumes no legal liability or responsibility for loss or damages resulting from the use of information contained herein.
Always check with your insurer about your coverage before making an appointment or receiving non-emergency care. Verify that you are covered for the practice, the individual provider, and the procedure. Some insurance plans require members to use specific labs, or to obtain a referral or authorization before certain types of care.