Payment & Insurance
UK HealthCare files insurance claims as a courtesy to you.
We are a preferred provider in many managed care and health insurance plans. Please make sure we are on your insurance carrier's list of participating hospitals. If we are not, you may be financially responsible for your bill.
If UK Albert B. Chandler Hospital, Kentucky Children's Hospital or UK Good Samaritan Hospital are not on your list of participating hospitals, it is still possible to access our services; you will need to get proper approval from your health plan. While UK HealthCare strives to ensure that this list is current and accurate, frequently there are changes in the plans participating with UK HealthCare. Inclusion on this list does not guarantee payment by the insurance company.
Kentucky Medical Services Foundation (KMSF) will bill you or your insurance carrier for any services you receive from physicians.
UK Albert B. Chandler Hospital or UK Good Samaritan Hospital will bill you or your insurance carrier for non-physician or facility charges such as room and board, nursing services, laboratory services and medical supplies.
For questions about your bill or to request an itemized statement:
Requests in writing may be sent to:
Patient Financial Experience
2317 Alumni Park Plaza, STE400
Lexington, KY 40517
(Please note this location is not a public facility. Customer assistance is provided via the phone numbers provided above.)
Online Bill Payment
The UK HealthCare MyChart patient portal offers online bill payment. To pay a bill, log into your MyChart account and access the Billing section from the left menu. Select Billing Summary to view account balances or to make a payment.
For UK HealthCare MyChart users who are the guarantor of an account, the default in MyChart is set to paperless billing. This means billing statements will be sent via MyChart and no longer via mail. If you prefer paper statements, log in to your MyChart account and select Billing Summary from the left menu. You will see this statement: “If you would like to receive paper statements, you may cancel paperless billing.” Select “cancel paperless billing” and follow the prompts.
Pay as guest
If you do not have a MyChart account, guest pay is an option to pay your UK HealthCare bill online.
UK HealthCare is committed to helping our patients understand their financial obligations before receiving medical care. We offer estimates for most of the health care services performed at our hospitals and outpatient centers.
See the options below for obtaining an estimate.
If you are not an established patient with UK HealthCare, you may create an estimate for certain services.
When calling, please be prepared to provide the patient’s name, address and contact information, the procedure or service and the current procedural terminology codes (CPT/DRG), and insurance plan name and subscriber/member ID number.
Note that estimates may include a typical range of costs and may vary from patient to patient depending upon the type of medical service and insurance plan or applicable discount.
The Centers for Medicare and Medicaid Services (CMS) pursuant to the Federal Executive Order and Pricing Transparency Final Rule requires hospitals to make available online a listing of standard hospital charges. In addition, the CARES Act necessitates the carve out of COVID-related pricing. In adherence to these requirements, UK HealthCare is making this information available via the link below.
Patient education and participation as to the cost of health care is important to us. We encourage patients to contact our toll-free financial counseling line at 855-211-4707 for a more service-specific estimate based on insurance coverage and/or applicable discount(s).
When you get emergency care or get treated by an out-of-network provider at an in-network hospital or ambulatory surgical center, you are protected from balance billing. In these cases, you shouldn’t be charged more than your plan’s copayments, coinsurance and/or deductible.
What is “balance billing” (sometimes called “surprise billing”)?
When you see a doctor or other health care provider, you may owe certain out-of-pocket costs, like a copayment, coinsurance, or a deductible. You may have additional costs or have to pay the entire bill if you see a provider or visit a health care facility that isn’t in your health plan’s network.
“Out-of-network” means providers and facilities that haven’t signed a contract with your health plan to provide services. Out-of-network providers may be allowed to bill you for the difference between what your plan pays and the full amount charged for a service. This is called “balance billing.” This amount is likely more than in-network costs for the same service and might not count toward your plan’s deductible or annual out-of-pocket limit.
“Surprise billing” is an unexpected balance bill. This can happen when you can’t control who is involved in your care—like when you have an emergency or when you schedule a visit at an in-network facility but are unexpectedly treated by an out-of-network provider. Surprise medical bills could cost thousands of dollars depending on the procedure or service.
You’re protected from balance billing for:
If you have an emergency medical condition and get emergency services from an out-of-network provider or facility, the most they can bill you is your plan’s in-network cost-sharing amount (such as copayments, coinsurance, and deductibles). You can’t be balance billed for these emergency services. This includes services you may get after you’re in stable condition, unless you give written consent and give up your protections not to be balance billed for these post-stabilization services.
Certain services at an in-network hospital or ambulatory surgical center
When you get services from an in-network hospital or ambulatory surgical center, certain providers there may be out-of-network. In these cases, the most those providers can bill you is your plan’s in-network cost-sharing amount. This applies to emergency medicine, anesthesia, pathology, radiology, laboratory, neonatology, assistant surgeon, hospitalist, or intensivist services. These providers can’t balance bill you and may not ask you to give up your protections not to be balance billed.
If you get other types of services at these in-network facilities, out-of-network providers can’t balance bill you, unless you give written consent and give up your protections.
You’re never required to give up your protections from balance billing. You also aren’t required to get out-of-network care. You can choose a provider or facility in your plan’s network.
When balance billing isn’t allowed, you also have these protections:
- You’re only responsible for paying your share of the cost (like the copayments, coinsurance, and deductible that you would pay if the provider or facility was in-network). Your health plan will pay any additional costs to out-of-network providers and facilities directly.
- Generally, your health plan must:
- Cover emergency services without requiring you to get approval for services in advance (also known as “prior authorization”).
- Cover emergency services by out-of-network providers.
- Base what you owe the provider or facility (cost-sharing) on what it would pay an in-network provider or facility and show that amount in your explanation of benefits.
- Count any amount you pay for emergency services or out-of-network services toward your in-network deductible and out-of-pocket limit.
If you think you’ve been wrongly billed, contact the Federal No Surprises Helpdesk at 1-800-985-3059.
Visit www.cms.gov/nosurprises/consumers for more information about your rights under federal law.
You have the right to receive a “Good Faith Estimate” explaining how much your health care will cost
Under the law, health care providers need to give patients who don’t have certain types of health care coverage or who are not using certain types of health care coverage an estimate of their bill for health care items and services before those items or services are provided.
- You have the right to receive a Good Faith Estimate for the total expected cost of any health care items or services upon request or when scheduling such items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.
- If you schedule a health care item or service at least 3 business days in advance, make sure your health care provider or facility gives you a Good Faith Estimate in writing within 1 business day after scheduling. If you schedule a health care item or service at least 10 business days in advance, make sure your health care provider or facility gives you a Good Faith Estimate in writing within 3 business days after scheduling. You can also ask any health care provider or facility for a Good Faith Estimate before you schedule an item or service. If you do, make sure the health care provider or facility gives you a Good Faith Estimate in writing within 3 business days after you ask.
- If you receive a bill that is at least $400 more for any provider or facility than your Good Faith Estimate from that provider or facility, you can dispute the bill.
- Make sure to save a copy or picture of your Good Faith Estimate and the bill.