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Mountain West Foot & Ankle Institute Mountain West Foot & Ankle Institute
Call Us (801) 756-0765
Fax (801) 756-1405

What Questions Do You Have?

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  • What is a Write Off?

    “Write-Off”

                In the medical profession a write-off is a term used for when a doctor or facility forgives an amount that would otherwise be the patient’s responsibility.  There are federal laws and insurance contract provisions that specify what and when amounts may be written-off by a doctor or facility. If the charge is part of the patient's deductible, it is impossible to write off.

    Part of the "Understanding Insurance" series.  

     

  • What is a Managed Care Plan?

                The essence of managed care is lower medical cost in exchange for more limited choice.  The plan uses a small pool of contracted (or in-network) providers to lower cost.  Some of the money saved is passed onto the member’s premiums.

     

    Part of the "Understanding Insurance" series.  

  • Why Do I Need an Explanation of Benefits?

    Your insurance is required by federal law to notify both the patient and doctor of decisions they make on your claims.  This notification usually arrives by mail and is named differently by each insurance company.  Some examples are Remittance Advice, Explanation of Benefits (EOB), or Explanation of Services.

     

    It is important to read these notifications because often they tell patients in advance how much was assigned to patient responsibility by their insurance.  It also helps to eliminate clerical errors as the patient is aware of what services they received.

     

    Part of the "Understanding Insurance" series.  

  • What is an "Allowed Amount?"

    Allowed amounts are determined by an insurance company.  As all doctors determine their own fees, an insurance company takes the average of those fees in a geographic area by that type of provider (i.e. cardiologist, podiatrist, etc.) to determine what amount is fair.  This is called ‘Reasonable & Customary.’  Depending on the type of contract your doctor has with your insurance company the allowed amount for a service may be even lower than the Reasonable & Customary amount in that locale.

     

    Part of the "Understanding Insurance" series.  

  • What is Care Credit?

    Mountain West Foot & Ankle Institute works with a company called Care Credit that can help patients pay their medical bills.  Care Credit pays the medical provider upfront, then the patient makes payments for six months to up to five years until the balance is paid off.  There is no interest for up to eighteen months from the time of a charge.  Care Credit is "revolving credit," meaning that once you are approved for an amount, you can borrow and repay that amount as many times as you need to. Many patients use Care Credit to break up medical expenses into more affordable payments.  An application and more information can be obtained from our front desk staff, or by visiting CareCredit.com

  • What Insurance Plans Do You Accept?

    Our goal at Mountain West Foot and Ankle Institute is to make your experience as easy, fun, and efficient as possible. That is why we are a participant in almost every insurance plan out there. We accept most insurance, including Medicare and Medicaid. The only insurance plan we do not accept at this time is Select Value.

  • Can I Setup A Payment Plan?

    CareCredit - A Payment Plan OptionYes.  With the struggling ecomony, and people losing their jobs, even a simple doctor's visit can be harder to fund.  For this reason, we have added a service called CareCredit. CareCredit is a specialized medical credit card that provides financial relief to our patients through payment plan options, often without interest. This is available at our office, we will handle all of the paperwork for you, and you can be instantly approved!   You deserve the highest quality care without concerns about your finances....This will make it hassle free if the need arises.

  • What insurance does Mountain West Foot Ankle Instiitute accept?

    Here at Mountain West Foot and Ankle Institute, we want to make it easy for you to have your foot and ankle concerns treated. Therefore, as a service to you we accept almost any insurance. We are also constantly negotiating and updating our status with many of the plans in the area.  Here is a list of the most common insurance plans we accept.
     

    • AARP
    • Aetna
    • Altius
    • Assurant Health
    • Bankers
    • BCBS
    • Beech Street
    • Car Insurance (In cases of car accident injury)
    • Care Credit
    • Caremark
    • Champva
    • CHIP
    • Cigna
    • DMBA
    • Educators Mutual
    • Eighth District Electrical
    • Everest Administrators
    • Great West Healthcare
    • HIP Utah
    • Humana
    • Mail Handlers
    • Medicare
    • Medicaid/Select Access/Molina
    • Mutual of Omaha
    • PEHP
    • Select Health/IHC
    • Starmark
    • Tall Tree Administrators
    • Tricare
    • United Healthcare

     
    It is recommended, however, that you confirm personally with your insurance plan coverage (and a list of in-network providers) prior to being seen.  We similarly will confirm your coverage with your insurance providers so that we can provide the highest quality care and you understand any costs or committments at the time of service.

    At this time, we are not able to accept Select Value.  Triwest memebers on active duty must see a doctor on base unless special permission is given.

  • What is a copay?

    As part of your contract, either as an individual or as part of an employee group through your employer, you agree to pay a co-pay.  A copay is an agreed upon amount that you as the insured pay at the time of an event, either a doctors visit or prescription purchase.  Your insurance requires that it be collected and paid at the time of service, and the doctor's office or pharmacy has no control of this amount.  The doctor's office or pharmacy are usually under contract to collect this amount and are not permitted to waive these fees.

  • I don't have a copay. Why do I owe money at the visit?

    As part of your insurance plan, whether individual or employer provided, you as the insured will have commitments to pay portions of benefits or bills.  This may be a simple copay, coinsurance or deductible.  Often you will have an  out-of-pocket limit or maximum that is the most you will pay prior to the plan paying 100% during a calendar or benefit year. Copays do not always count toward the out-of-pocket limit and with some plans will need to be paid even after reaching this maximum.


    For additional information about your benefits, please contact your insurance plan or beneftis administrator.

  • What is coinsurance?

    Some insurance plans require a copayment (copay), but others require coinsurance.  Coinsurance is similar to a copay, but consists of a percentage, such as 20% or 30%, that is paid by the insured after reaching any applicable deductible.  This percentage is usually calculated on the insurance approved amounts and should be paid at the time of service.  Similar to copays, the doctor's office or pharmacy are usually under contract to collect this amount and are not permitted to waive these fees.

  • What is a deductible?

    A deductible is an amount, determined by an insurance plan contract, that needs to be paid for a particular service prior to plan benefits being paid.  This amount is a yearly amount and is based on a calendar year or insurance plan year.  A patient may also have more than one type of deductible on their plan (in-network deductable, an out-of-network deductable, a DME deductable, a prescription deductible, a hospitalization deductable, etc)   The doctor's office or pharmacy are usually under contract to collect this amount and are not permitted to waive these fees. 

    Please contact your insurance company or benefits manager for additional information about your deductible.