Insurance Considerations

It is important to remember that every insurance policy is different. Your medical coverage is a contract between you and your insurance company. If possible, please contact your insurance company in advance to gather details on the coverage your policy provides. It is important to: 

  • Identify whether your insurance carrier requires a referral, prior authorization or precertification before receiving treatment, and;
  • Determine whether UAB is classified as “in-network” or “out-of-network”, because out-of-pocket charges are often higher if services are considered to be outside your network.

When you visit us, please bring two forms of identification and the proper insurance identification cards so we can bill your insurance carrier.

  • Medical costs are often unanticipated and not all costs are covered by insurance. When your visit or hospital stay is completed, you will be expected to pay any charges that will not be reimbursed by insurance (e.g. co-payments, deductibles, coinsurance, and non-covered services). If you feel that you need assistance in meeting your financial obligations, or if you do not have insurance, please see the Financial Assistance section.