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Billing and Finances


What insurance plans do you accept?

We are contracted with literally hundreds of insurance plans. If you have moved permanently to the area and we are not a contracted provider for your plan, let us know and we will take the necessary steps to try and become a contracted provider for your plan.

Why do I still owe a balance if my insurance company has paid?

Based on your insurance plan, you may be responsible for deductibles, copays and co-insurance for fees not covered by your insurance company.

I made payments toward my medical care, surgery, or OB care. Why is there still a balance due on my account?

When we ask you to make a down payment toward medical care, we are only able to make an payment plan based on an average estimate due for this service. Each insurance company will allow a different contracted amount for these services, depending on your particular plan.

It has been months since I saw my physician and I am only now receiving a bill.

Some insurance plans take up to 90 days or longer to pay a claim. If we participate with your insurance, during this time we do not send out information to our patients regarding their billing activity as we have found this action often confuses our patients. Upon receipt of payment from your insurance carrier, you will receive a bill from our office for any remaining balance, which includes details of your insurance payment activity and other useful information.

When will I receive a bill?

If you verified your insurance information when you registered and we participate with your insurance company, you will not receive a bill until:

  • Your insurance company denies your claim.
  • Your insurance company pays the claim, leaving a coinsurance, deductible or non-covered services.
  • Your insurance company hasn’t responded to the claim. Please know that we work hard with your insurance company to get your claim paid. However, there are times when we may have to turn the bill over to you as the patient for non-payment from your insurance company.

I came in for a Well Woman Exam to your office. Why am I receiving a second bill from the Hosiptal?

All labs, such as PAP Smears, are processed through the lab at Valley View Medical Center. You will receive a bill from the hospital lab for the processing of this PAP Smear. Please call the number on this bill for any questions or concerns.

Why didn’t my insurance company pay my whole bill?

Once your insurance carrier pays their portion of the bill, they will send you an Explanation of Benefits (EOB) to show how the claim was paid. You can compare your EOB to the bill sent by our office. How the carrier paid the claim is based on their contract with us and their contract with you. If you feel the insurance company should have paid a higher amount, please contact them directly for resolution.

Will all of my insurance(s) be billed?

Yes. The billing of insurance is a courtesy to you as our patient. However, your insurance policy is a contract between you and your insurance company and communication with your insurance company is your responsibility. Please note that we will bill secondary insurance companies two times only before putting the claim to patient responsibility.

How do I know if my insurance company will cover my visit?

Coverage varies with each insurance company, and we encourage you to check with your insurance company or your employer when you have questions about your insurance benefits. Generally, our providers and staff do not know whether a particular service will be a covered benefit of your plan. Medically necessary and appropriate services may not always be covered by your insurance contract. Please refer to your insurance member handbook or call your insurance company with questions. Also, please understand that it is your responsibility to know what services are covered under your plan. We will assist you in calling on benefits for expensive procedures to help you make an informed decision.

Do you offer any financial assistance?

We understand that times are difficult for many. We offer payment plans with no interest and no fees as a courtesy to our patients. All we ask that is that you make your payment each month in a timely manner. You can contact our office for more details at 435-865-9500 option 2.

I have a question about my billing account. What is the best time to call the billing office?

Our billing office can be reached at 435-865-5900 option 3. The billing office is staffed most days from 9-5:30. However, not all staff members are trained to answer the more difficult billing questions. The best time to call with billing questions is M/W/F between the hours of 12-5:30.

What forms of payment do you accept?

We accept cash, checks, VISA/Mastercard/Discover/American Express. You may call our office at 435-865-9500 option 2 and make a payment by credit card over the phone. You may also go to the home page and make a secure payment through our website. Please make cash payments in person at the office. Checks may be paid through our website or by sending it to the office address on our home page.

Featured Services


The Cedar City Institute of Women's Health
110 West 1325 North, Suite 300
Cedar City, UT 84721
Phone: 435-865-9500
Fax: 435-586-8995

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