Insurance & Billing

Pay Your Bill

Review your account, choose a payment option that is right for you, and pay quickly and easily. 

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Overview and Financial Arrangements

At The University of Tennessee Medical Center, we recognize that medical expenses can be unexpected. That's why we provide a team of trained and knowledgeable staff to guide and educate you through the insurance and billing process. From understanding insurance coverage to financial assistance and cost estimates, our dedicated Financial Counselors and Customer Service Representatives are here to assist you every step of the way. The University of Tennessee Medical Center accepts a wide range of insurance plans and offers flexible payment arrangements for patient-responsible balances. If you're unsure whether your insurance is accepted at The University of Tennessee Medical Center, please visit the link below for more information.

View currently accepted insurance here

 

Patient Estimates

We're pleased to provide price estimates for your upcoming visit through our Financial Counselor teams or our convenient online self-service estimation tool. With just a few easy steps, you can generate an estimate of your out-of-pocket costs for a variety of common procedures and services using our online tool. Please note that actual costs may vary depending on the procedure and individual patient's health status. Furthermore, the estimates provided cover hospital charges only and exclude physician fees or any additional charges beyond the actual hospital charge.

  • Estimates WITHOUT Insurance, please call 865-305-7998
  • Estimates WITH Insurance, please call 865-338-3616, option 1
  • Use our self-estimator tool

Financial Assistance

The University of Tennessee Medical Center offers financial assistance options for uninsured and underinsured patients seeking medically necessary healthcare services provided by University Health Systems employed providers. Eligibility for assistance may vary based on residency, income, family size, and insurance coverage eligibility. For more information about eligibility criteria, please refer to the “Discounts and Financial Assistance Policy” linked below.

To apply for Financial Assistance, patients are required to complete a Financial Assistance Application along with any necessary documentation for application processing. An electronic or paper copy of the application can be found in the “Financial Assistance Application” links below

Electronic Application to email or print out:

You can submit your application via:

  • Email: [email protected] | Subject: Financial Assistance Application
  • Mail: UT Medical center Financial Assistance Program, Po Box 32749, Knoxville, TN 37930-2749
  • Fax: 865-251-4413 | Attn: UT Medical Center Financial Assistance Program

For questions or further information regarding our Financial Assistance program, please call 865-251-4400.

Additional Information

Policies, Guidelines and Physical Financial Assistance Applications
Help Obtaining Insurance

The Affordable Care Act (ACA) of 2010 has significantly improved access, affordability, and comprehensiveness of healthcare. For more information about the ACA, please visit the Affordable Care Act Health Care | HHS.gov. The University of Tennessee Medical Center supports our patients by providing education and assistance in obtaining health care coverage through the Health Insurance Marketplace. For questions or assistance, please contact our preferred partner, HealthFund Solutions at 800-304-4005 or email us at [email protected].

The enrollment period is November 1st through January 15th. 

The University of Tennessee Medical Center participates in the following marketplace insurance plan(s):

  • BlueCross BlueShield of Tennessee Network L
  • BlueCross BlueShield of Tennessee Network S
  • Cigna Tennessee Exclusive Provider Organization (EPO) Connect
  • United Healthcare Tennessee Individual Exchange Benefit Plan

Alongside HealthFund Solutions, we also are preferred partners with Change Healthcare who helps qualifying patients get established on TennCare/Medicaid, or they are able to help screen patients who may qualify for disability/ Social Security. If you are currently working with this team post discharge from your inpatient stay at he hospital, they can be reached at 865-305-8258. You are also have the right to verify if you are eligible yourself. If you wish to do so, simply visit www.tn.gov to get started. 

Patient Responsibility and Hospital Bill

Patient responsible balance is due and collected prior to service. Accepted forms of payment include cash, check, money orders, traveler’s checks, electronic checks, Visa, MasterCard, American Express, Discover or an approved payment plan. We offer a variety of repayment options to assist our patients with meeting their financial obligations. To setup a payment plan on any remaining balance, please contact our Customer Service team at 865-251-4400.  Our preferred vendor partner, MedFinancial, can help patients establish an interest free extended repayment option. Failure to make agreed upon payment may result in your account being referred to an outside collection agency. 

Other patient responsibilities include providing complete and accurate demographic and insurance information, contacting us with insurance changes, understanding your insurance benefits, and providing information requested by your insurance carrier in a timely manner. 

Pay Your Bill

Other Bills Related to Your Stay

You will receive separate bills from your personal physician, surgeon and other specialists such as a radiologist, anesthesiologist, emergency physician, cardiologist, or pathologist for services that your doctor has requested. These professional service charges are not included in your hospital bill. Please contact the appropriate professional if you have questions about their service by calling their number listed on the appropriate bill.

Further Information

For any other information regarding your visit to UT, please review the “Understanding Your Hospital Bill” linked down below or reach out to our Customer Service team at 865-251-4400.

Understanding Your Hospital Bill

Other Helpful Links

University Physician Association (UPA)- www.upasolutions.com 

University Physician Association (UPA) Pay Link: upa.mdpay.org

Governmental Insurance Screening (Affordable Care Act, Medicaid, etc.)- www.healthcare.gov 

Patient Responsibility and Pricing Estimates

We’re pleased to offer price estimates through our online self service estimation tool. In just a few simple steps, you can create an estimate of your out-of-pocket costs for many common procedures and service. The actual cost may vary based on the procedure and the health status of the individual patient. Additionally, the estimates provided in this tool only apply to hospital charges and do not include physician charges and other charges beyond the actual hospital charge.

Resources

Visit the link below to find on-line answers to FAQ’s associated with hospital and insurance billing, billing term glossary, important phone numbers, financial assistance information and UT Medical Center billing policies.

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Price Information or Standard Charges

The Centers for Medicare and Medicaid Services (CMS) require hospitals to disclose all of their “standard charges” on their websites. The University of Tennessee Medical Center (UT Medical Center) has therefore posted our hospital “standard charge” listing through the link below. “Standard charges” as defined by CMS, mean privately negotiated rates with third-party payers, gross charges and discounted cash prices for a medical service or procedure.

It is important to remember these “standard charges” are available for services that are scheduled in advance and tend to follow a common course of care. If a patient has other health conditions that would complicate their care the ultimate “Standard Charge” associated with a Hospital stay could be different than services scheduled in advance.

Click the link below to download our "standard charge" file.

Learn More about Pricing Information or Standard Charges
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Frequently Asked Questions

-Your insurance card.

-Your photo ID.

-A form of payment if discussed.

-Any other items requested by your doctor’s office. 

There are several convenient ways to pay your hospital bills. We accept Visa, Mastercard, American Express, Discover, Cash, Check, Money Orders, and Traveler’s Check.

  1. To pay online: Visit our Patient Portal: Pay Your Bill
    1. To pay over the phone: Call our Customer Service Representatives at 865-251-4400.
    2. To pay in person: Visit our Cashier’s Office located at the main hospital in the Patient Registration area. We accept cash, check, money orders, traveler’s checks, Visa, Mastercard, American Express, and Discover. 

-A deductible is the initial amount of health costs that you pay before your insurance plan begins reimbursement. A deductible is usually a set dollar amount such as $250 or $500. 

-A co-insurance is the portion of your health care expenses not covered by insurance. A co-insurance is a reduced percentage of the patient’s health care expense that the insurance states the patient owes once their deductible is met. 
For example, if the patient and insurance are responsible to reimburse the hospital $1,000 and the patient’s co-insurance is 10%, the insurance will cover 90% of the $1,000 while the patient will be responsible for the remaining 10% or $100. Most insurance plans will cover 100% of health care expenses after the co-insurance maximum has been met.

-A copay is a flat fee that will be your expected cost out of pocket while the insurance pays the remainder of the procedure cost at 100%.For example, if the insurance and patient are expected to pay the facility $1,000 for a procedure and the copay is $275 then the patient will owe the $275 while the insurance will pay the remaining $725. 

The hospital submits a claim to your insurance company as a courtesy. After your insurance has been processed, any remaining balance is ultimately the patient’s responsibility. Any patient responsibility due upon receipt of your statement. 

You will receive separate bills from your personal physician, surgeon and other specialists such as a radiologist, anesthesiologist, emergency physician, cardiologist, or pathologist for services that your doctor has requested. These professional service charges are not included in your hospital bill. Please contact the appropriate professional if you have questions about their service by calling their number listed on the appropriate bill, or the number listed in the link below.

  1. Contact list here

You can review your accounts either by calling our Customer Service team at 865-251-4400 or you may visit our Patient Portal: Pay Your Bill

Most hospital insurance payments are not based on itemized charges; therefore, an itemized statement is not routinely mailed to patients.  To request an itemized statement of charges, please call 865-251-4400 or email [email protected] and allow up to two weeks for receipt. You may also visit our cashier’s office in registration at the main hospital.

-Change Healthcare who assist with TennCare/Medicaid, Disability/Social Security Enrollment. You may contact them at 865-305-8258

-HealthFund Solutions who assist with Marketplace Insurance & COBRA Enrollment Sponsorship. You may contact them at 800-304-4005

-MedFinacial who assist with Extended Payment Plan options through financing. You may contact them at 855-729-6339

-Syntriq who assists with accident or injury and victims of a crime assistance. You may contact them at 662-237-5094