Treatment room, patient chair, provider chair, sink area, wall art

Navigate dermatology payment types and insurance billing

At Smart Skin Dermatology, we understand that finances shouldn't stand in the way of your skincare goals. That's why we offer a variety of flexible payment options to fit your individual needs:

Medical billing & claim processing is a complex subject. It may cause frustration and financial hardships when not considered before seeking care. When you add in variable self pay pricing and clinic policies for cosmetic procedures, it can feel overwhelming. We will break down everything for you on this page.

Table of Contents

3 categories of how care is processed, charged, and paid at Smart Skin Dermatology:

Medical

Bill Insurance

Patient Choice [at check-in]

Pay copay at check-in & bill 1-3 months after visit
Pros:
Might be less or even $0 out of pocket
For patients with "good" insurance the out of pocket cost associated with dermatology care is much lower than self pay pricing.
Out of pocket costs go towards deductible
Medical care goes beyond just dermatology. Your deductible will lump all payments together. Meeting your deductible could mean big savings later.
Cons
Cannot change after claim has been submitted
Regulations surrounding insurance billing does not allow for us to switch to self pay pricing after a claim has been submitted to insurance. Self pay pricing might be cheaper, but the choice is locked it in appointment day. Researching ahead of time will help you determine best practices.
Might be more expensive
For high deductible plans or other high cost plans the amount left as patient responsibility may be higher than self pay pricing.
Patient bills will come months after care
Our average turn around time is 27 days, but 75+% of the timeline is insurance based. You could get a bill later when you have forgotten or have other financial responsibilities.
Important
Pathology and Lab bills are billed separately (not by Smart Skin)
Pathology from skin biopsies and excision removals are processed by Pathology Watch. Patients will receive a bill from Pathology Watch for specimens. Bloodwork & other labs are billed by Labcorp.

IN-NETWORK LIST

Medical

Self Pay

Patient Choice [at check-in]

Pay at check-out
Pros:
Designed for uninsured
We understand that no insurance should not mean no access to medical care. This payment type was designed to give non-insured patients the same quality access to dermatologic services.
Might be less out of pocket
For high deductible plans or other high cost plans the amount left as patient responsibility may be higher than self pay pricing.
Transparent pricing - no hidden costs or suprise bills
Our medical self pay pricing is a set price. This price is posted publicly and collected at your appointment. You will not get additional bills from us.
Cons
Out of pocket costs DON'T go towards deductible
Medical care goes beyond just dermatology. Your deductible will lump all payments together. Meeting your deductible could mean big savings later.
Might be more expensive
For patients with "good" insurance the out of pocket cost associated with dermatology care is much lower than self pay pricing.
Labs must be obtained elsewhere
We do not have the option for self-pay blood work or other labs. If you require bloodwork an order will be provided along with a referral to a nearby lab.
Important
Pathology bills are billed separately (not by Smart Skin)
Pathology from skin biopsies and excision removals are processed by Pathology Watch. Patients will receive a bill from Pathology Watch for specimens.

SEE PRICING

Cosmetic

COSMETIC SELF PAY

Procedure Based [only option]

Pay at checkout
Pros:
Transparent Pricing
No smoke and mirrors. Getting price quotes should not require a consultation. We publicly post all our cosmetic pricing.
Ability to seek reimbursement
We have outlined the process for patients seeking insurance reimbursement.
Cons
Cannot be billed through insurance
Smart Skin policies prohibit prior authorization and billing of cosmetic procedures through insurance. We have done this for many years and have found this to be the best way for both practice and patient. We apologize for any inconvenience this may cause.
Important
All cosmetic procedures are processed in this way. See ? for list.
INJECTABLES: BOTOX & DYSPORT, DERMAL FILLERS, KYBELLA, SCULPTRA, THREAD LIFTS, SCLEROTHERAPY, WEIGHT LOSS INJECTIONS, LASER & DEVICES: ADVANCED PHOTOFACIAL, ADVANCED RESURFACING, AVICLEAR LASER, CO2 LASER, COOOLSCULPTING, PICO LASER, TATTOO REMOVAL, PROFOUND, VBEAM LASER, SPA SERVICES: MICRONEEDLING, CHEMICAL PEELS, DERM CLEAN UPS, HYDRAFACIALS

LEARN MORE & PRICING

Insurances Accepted at Smart Skin Dermatology

Popular in-network insurances

Select Health

CLICK TO SEARCH DIRECTORY

CHIP

Select Health Care

Select Health Community Care (Medicaid)

Select Health Med

Select Health Medicare

Select Health Share

Select Health Signature
Select Health Value

EMI

CLICK TO SEARCH DIRECTORY

EMI Health Care Plus
Aetna National PPO
Blue Cross Blue Sheild of Arizona
Cigna LocalPlus
Cigna PPO
First Health
First Health Limited Benefit Network
MEC

Medicare

CLICK TO SEARCH DIRECTORY

Medicare of Utah
If you have a supplement plan, please verify with the specific company issuing this plan.
Plan compare link provided.

Humana

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HumanaChoice PPO

Humana Traditional Medicare PPO
Humana Traditional Medicare LPPO
Humana Employer Medicare PPO
Humana Employer Medicare LPPO

Molina

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Molina plans accepted.
Online directory may or may not show providers. Call Molina's customer support to verify.

Angle Health

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Angle Health contracts with Aetna.
Angle plans in-network.
Use Aetna's directory to verify.

Aetna

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(UT) Aetna Whole Health℠
Aetna Affordable Health Choices®
Aetna Select℠
Aetna Voluntary Plans
Managed Choice® POS
Open Choice® PPO
Aetna Choice® POS II
Aetna Health Network Only℠
Aetna Health Network Option℠
Aetna Select℠
Elect Choice® EPO
Managed Choice® POS
North Carolina State Health Plan
Aetna Choice® POS
Aetna Choice® POS II
Aetna HealthFund®
Aetna HealthFund® Aetna Health Network Option℠
Aetna Open Access® Elect Choice® EPO
Aetna Open Access® Managed Choice® POS
Open Access Aetna Select℠
Open Choice® PPO
Aetna Premier Care Network Plus
Aetna Premier Care Network Plus
Aetna with Innovation Health Aetna Select
Aetna with Innovation Health POS
Aetna with Innovation Health PPO
(UT) Aetna Extended Network
(UT) Peak Preference
(UT) Utah Connected Network
National Advantage™ Program

Motiv Health

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All plans are typically accepted.
Online directory may or may not show in-network providers.
Call Motiv customer service to verify.

Blue Cross

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BlueCard PPO/EPO
BlueCard PPO Basic
BlueCard Traditional
Medicare Advantage PPO
Utah, Regence BlueCross and Blue Sheild

DMBA

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DMBA PPO 90
DMBA PPO 70
DMBA HSA 80
DMBA HSA 60
Student Health Plan
Church Activity Medical Assistance
Missionary

PEHP

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Capital Network Plans
Summit Network Plans
Summit Exclusive Network Plans
Advantage Network Plans
Advantage S Network Plans
Preferred Network Plans

U of U Health Plans

CLICK TO SEARCH DIRECTORY

Health Choice Utah
Health Choice Utah Integrated
Healthy Preferred
Healthy Premier
Healthy Premier - U of U Hospitals & Clinics Employees
Healthy U CHIP
Healthy U Integrated
Healthy U Medicaid

Meritian Health

CLICK TO SEARCH DIRECTORY

Meritian Health contracts with Aetna.
Meritian plans in-network.
Use Aetna's directory to verify.

Cigna

CLICK TO SEARCH DIRECTORY

Utah POS plans
Carelink Open Access Plus
Carelink OA Plus
Carelink OAP with ChoiceFund
Open Access Plus
OA Plus
Choicefund OA Plus
PPO
Choice Fund PPO

UMR

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UMR subcontracts with many insurances. We typically accept UMR insurance. Search their directory to verify.

United Healthcare

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United Healthcare has a very long list of plans.
We accept most United Healthcare plans.
Call or use their directory to verify.

Medicaid

CLICK TO SEARCH DIRECTORY

Medicaid of Utah
If you have a supplement plan, please verify with the specific company issuing this plan.
Plan compare link provided.

Tricare

CLICK TO SEARCH DIRECTORY

Tricare coverage can vary
Please use Tricare's directory to verify

Smaller in-network insurances
(contact insurance customer service to verify)

32 Dajyee Benefits
All Savers Insurance (United Health One)
Allied Benefit Systems, Inc.
Allstate Health Solutions
Altrua
Americo Financial Life & Annuity Insurance Co
ASA
ASR Health Benefits
Atlantic Coast Life
Bankers Fidelity
Boon Chapman Benefit Administrators Inc
CHAMPVA - HAC
Claim Choice
Continental Benefits (200101)
Direct Care Admin.
EBMS (Employee Benefit Managemen Services Inc.)
First Health (HMA)
GEHA

Golden Rule Insurance Company
Gravie Administrative Services
Harvard Pilgrim Health Plan
Health Choice Generations Utah
Health Comp
Health Partners
Health West IPA
Kaiser Permanente
Las Vegas Firefighters Health & Welfare Trust
MBA Benefit Administrators
McKinstry
Medcost Solutions/Liberty Health Share
Moda Health (formerly ODS Health)
MultiPlan - Preferred Provider Network
National General Accident & Health
OrboGraph

PacificSource Health Plans
Pan American Life
Philadelphia American
Prairie States Enterprises, Inc
Prosperity Life Group
Railroad Medicare
Select (Bind)
Sierra Health and Life
Sierra Health Services
The Alliance
The Kempton Group
The Loomis Company
United American Insurance Company
US Health Group
USSA Medicare Supplemental
Utah Idaho Teamsters
Verrill Group Administrators
WEB TPA
Wise/Boulder Administration
WMI Mutual Insurance

Insurance billing: How it works

1) Patient provides insurance information

You provide your insurance information to one of our team members. This will have all the information to bill you correctly. We will do an eligibility check at or before check-in to verify your insurance is "active".

Expert Advice:
There are dozens of “sub-plans” under every insurance plan. We do our best to know which ones we are specifically contracted with, but insurance companies are always updating and changing them often without our knowledge. It is always worth checking with your insurance company BEFORE your visit to verify if we are an “in network or “out of network” provider.

2) Patient pays "copay" at check-in

When you check in you will likely pay a "copay". This is a partial payment made before a medical visit. Your insurance card will have a specific copay. Dermatology is usually considered a "specialty copay".

Expert Advice:

Expect to pay more than just your copay. 75% of patients will have out-of-pocket costs beyond a copay. Patients who only pay a copay are known to have "really good insurance". Unfortunately, we are not made privy to the intimate details of your chosen insurance. There is a lot of variation within a chosen plan and therefore it is ultimately the responsibility of you, as the patient, to know both the name of the health insurance company and plan that you have chosen, as well as what your coverage entails. Knowing whether you have a deductible (an amount you must pay before your insurance will participate) and knowing the amount of said deductible is your responsibility as the patient. We would love to know that for you, but it is unfortunately not feasible.

3) Diagnoses, visit, & treatments are translated into insurance codes

Procedure and visit codes called CPT codes are created based on what the doctor did. These CPT codes are paired with ICD 10 codes. Together they tell a story. The doctor did [cpt] for the treatment of [ICD 10]

Expert Advice:

Screening visits, such as skin cancer screenings, do not have planned CPT codes beforehand. More findings, more procedures, and more concerns mean more CPT codes. Planned procedures like surgeries have CPT codes predetermined. Knowing this can help you anticipate what is coming.

4) Codes are sent to insurance

Codes are sent through a clearing house to your insurance. The clearing house we use is Trizetto. A medical practice must send codes before a deadline called "timely filing" to ensure a visit is processed.

Expert Advice:

Our medical billing is very efficient. Our DSO is an average of 27 days. This means that we can expect to hear back from insurance 27 days from the visit. Sometimes this can take 2-3+ months.

5) Insurance decide price

Codes will go through a "contractual adjustment" to determine the overall price. This is set by your insurance.

Expert Advice:

The choice to pay our “in office, same day cash price” is yours to make at the time of your visit. Once you have chosen to have your visit billed through your insurance it is sadly out of our hands as far as pricing is concerned. Your insurance company ultimately determines the cost of your visit at that point and we cannot change it. Our role is to enter into our medical software what was done at your visit and the insurance company takes over from there.

6) Insurance decide cost to you

The insurance company will decide how much they are going to pay to towards your visit. They base this on your insurance benefits. They will then decide how much you must pay.

Expert Advice:

7) You will receive a bill from us

The insurance company electronically transfers their decision to us on a receipt called an EOB. This tells us exactly how much to bill you.

Expert Advice:

We want to save you money. Our cash price is typically cheaper than the cost of having "bad" insurance. We have to bill you what your insurance dictates. Changing and lowering bills from patient to patient is insurance fraud, so what your insurance says goes.

How to read Insurance card

Subscriber

This is the name of the primary insurance holder. It's often the person whose name the insurance policy is under (e.g., the employee, parent, or spouse).
Subscriber ID

This is a unique identification number assigned to the primary insurance holder. It's like your personal account number with the insurance company and is essential for claims processing.
Effective Date

This date indicates when your insurance coverage began. Services received before this date may not be covered.
Members

This section lists all individuals covered under the insurance plan (e.g., spouse, children). Sometimes, instead of listing all members, it may say "See member ID card" or similar.
Group #

This number identifies the employer or group that sponsors the insurance plan (if applicable). It connects you to a specific plan offered through a company or organization.
RX Group

If your plan includes prescription drug coverage, this number may be specific to that benefit and is used when filling prescriptions.
BIN/PCN:
These are numbers used by pharmacies to process prescription claims.
- BIN (Bank Identification Number): Directs the claim to the correct insurance company.
- PCN (Processor Control Number): Identifies the specific plan or group for prescription benefits.
Individual Deductible

This is the amount you must pay out-of-pocket for covered healthcare services before your insurance starts to pay a significant portion. This applies to each individual covered under the plan.
Family Deductible

Similar to the individual deductible, but this is the total amount the entire family must pay for covered healthcare services before the insurance starts to pay a significant portion. Often, the family deductible is a multiple of the individual deductible.
Copays

These are fixed amounts you pay for specific healthcare services, such as doctor's visits or prescriptions. They are typically paid at the time of service. Your card may list different copay amounts for different types of services (e.g., primary care physician, specialist, emergency room).
Payer ID

This is a unique identification number assigned to each insurance company or payer. It's used electronically to route claims to the correct insurance company for processing.
Contact Service Numbers
Your insurance card should list phone numbers for various services, such as:
- Customer/Member Service: For general questions about your coverage, claims, or benefits.
- Claims: To inquire about the status of a claim.
- Pre-authorization: To obtain approval for certain procedures or treatments.
- Nurse Line: For health advice or to speak with a registered nurse.

Medical Self-Pay Pricing

$150

Standard Medical Visit or Follow-Up

$100

Accutane Follow-Up Visit

$100

Medical Visit With Procedure

No more than 3 procedures in one visit
Procedures include biopsy, cryotherapy, wart treatment, etc.
*Separate charge will be be applied through our our pathology group, Pathology Watch

$700*

Excisional Surgery Removal

$350* for each additional lesion excised at the same visit
*Separate charge will be applied through our pathology group, Pathology Watch
Excisions are not performed on the same day as initial visit and requires a biopsy and pathology report prior to scheduling

$1500*

Mohs Per Area Price

Includes 2 stages
$500 per each additional stage beyond first two

Please note: A medical visit is required to determine the necessity of a procedure. Whether something is benign or requires a biopsy is a medical diagnosis. This requires an evaluation with our board certified dermatologist or one of our advanced practice providers.

Cosmetic Self-Pay Pricing

Click the links below to view pricing for each procedure

Self Pay Medical Services

Skincare Product Guide

Tattoo Removal Laser

Thread Lift

V-Beam Laser

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Cosmetic Consultations

Elite

MD Consult

$ 100 [Does not go towards treatment]

Ideal for:
Patients wanting the best of the best
Dr. Smart is as good as it gets. Training, experience, studies, & technique. He is to 1% in the entire country.
Complicated, advanced, or non-responsive cases
Successful treatment of the lesser known diagnoses or difficult cases requires a great deal of experience. It also involves treating to clinical endpoints rather than following a predetermined protocol. This requires a higher degree of knowledge and licensure.
Patients who simply prefer a doctor
Many patients prefer recieving treatment initial consult recommendations from a doctor. Patients may still schedule treatments with nurses following a doctor consult and vice versa.
CO2 resurfacing, liposuction, surgical alternatives
These more advanced treatment options require higher licensure to perform. They also require more preparation and patient education.
Not Ideal for
Weight loss injections, derm clean ups, facials
These treatments are not performed by our MD and are not a focus.

BOOK ONLINE

Cosmetic Consults

What's Included:

30 minute (double length) visit
It is a visit that is scheduled for twice the length of a typical dermatology appointment. This allows for the time needed for discussion and more importantly patient education on these complex topics.
Baseline "before" photos
We take photos with a very advanced skin analysis system called Visia. This provides a baseline “before” photo so we can track improvements at each visit.
Advanced Trueskin Age® analysis
This quantitative analysis and visual assessment will provide data points for spots, wrinkles, texture, pores, UV spots, brown spots, red areas, and porphyrins. Each data point can be compared to the general population and provide a Trueskin Age®.
Goal setting & history intake
A successful cosmetic consultation is more than just a discussion; it's a collaborative process. By understanding your unique goals and medical history, our experts can tailor a treatment plan that aligns with your lifestyle and budget. Why it Matters: Tailored Treatments: We can recommend the most suitable procedures to achieve your desired outcome. Realistic Expectations: We'll help you set achievable goals and manage expectations. Safe and Effective: A thorough medical history ensures that treatments are safe and appropriate for you.
Evaluation and treatment plan
Meet with your scheduled provider. After being roomed & answering baseline questions you will meet with Dr. Smart. This time is dedicated to developing a treatment plan that is right for you.
Pricing & education
We then spend time on dedicated patient education to ensure you understand your options, pricing, and expectations of the recommended treatments.

Signature

Nurse Consult

$ 0 [Credit card on file required]

Ideal for:
Patients who prioritize price
Free consultations are great. Our consult is an intro to our pricing model. Elite and signature price levels on each treatment.
Weight loss injections, derm clean ups, facials
These treatments are performed by our nurses so they are a focus..
Accessibility
Nurse consultations are often more readily available, making it easier to schedule appointments.
Not Ideal for:
Patients who simply prefer a doctor
Many patients prefer receiving treatment initial consult recommendations from a doctor. Patients may still schedule treatments with nurses following a doctor consult and vice versa.
CO2 resurfacing, liposuction, surgical alternatives
These more advanced treatment options require higher licensure to perform. They also require more preparation and patient education.

BOOK ONLINE

Cosmetic Self Pay Policies

Pay at time of service

Payment is due at the treatment visit for most cosmetic treatments* (see below). We do not offer payment plans to pay for services already rendered. For patients wishing to pay after services, we do accept Care Credit.
Treatments requiring deposit & pre-payment

CO2 "Full" Laser, CO2 "small" Laser, Liposuction, and Profound are longer appointments that require a pre-op visit. These treatments require $500 to schedule and payment in full at your pre-op visit (typically 2 weeks before treatment). This policy ensures there is no transactions needed on treatment day when other medications and sedatives may be in your system.

Sculptra requires a $500 deposit to schedule to allow for product to be mixed.
Refund Policy

Smart Skin Dermatology does not offer refunds for cosmetic treatments that have been rendered. We stand by our work and setting expectations with patients prior to treatment. If your provider feels the treatment has fallen short of expectations, discounts or complimentary services may be provided to address this. This is done at the discretion of Smart Skin Dermatology.
Prepaid cosmetic packages

To receive package pricing discount, payment in full for entire package is required prior to rendering of the first service. Package pricing will not be applied retroactively for subsequent single treatments of the say procedure.
Pricing changes

Price transparency is very important to us. Pricing changes, while infrequent, do occur and are subject to change at any time. Price changes are announced in our monthly newsletter and online pricing sheets are updated.
Expiration policy

All prepaid services and packages expire one year from date of purchase, unless ale or promotion exclusions apply. Sale and promotion exclusions will have shorter redemption and expiration windows. Refunds on expired services will not be provided. Cosmetic credit equal to the purchase amount may be provided for expired services, but require a manager's approval.

3 Convenient Ways to Book

About Smart Skin

What is Medical Dermatology?

INJECTABLES

Laser & Devices

SPA SERVICES

Treatments by Concern

What is Cosmetic Dermatology?

What is Surgical Dermatology?

Patient Resources

Insurance & Payment Options

Navigate dermatology payment types and insurance billing

3 categories of how care is processed, charged, and paid at Smart Skin Dermatology:

Bill Insurance

Self Pay

COSMETIC SELF PAY

Insurances Accepted at Smart Skin Dermatology

Popular in-network insurances

Select Health

CLICK TO SEARCH DIRECTORY

EMI

CLICK TO SEARCH DIRECTORY

Medicare

CLICK TO SEARCH DIRECTORY

Humana

CLICK TO SEARCH DIRECTORY

Molina

CLICK TO SEARCH DIRECTORY

Angle Health

CLICK TO SEARCH DIRECTORY

Aetna

CLICK TO SEARCH DIRECTORY

Motiv Health

CLICK TO SEARCH DIRECTORY

Blue Cross

CLICK TO SEARCH DIRECTORY

DMBA

CLICK TO SEARCH DIRECTORY

PEHP

CLICK TO SEARCH DIRECTORY

U of U Health Plans

CLICK TO SEARCH DIRECTORY

Meritian Health

CLICK TO SEARCH DIRECTORY

Cigna

CLICK TO SEARCH DIRECTORY

UMR

CLICK TO SEARCH DIRECTORY

United Healthcare

CLICK TO SEARCH DIRECTORY

Medicaid

CLICK TO SEARCH DIRECTORY

Tricare

CLICK TO SEARCH DIRECTORY

Smaller in-network insurances(contact insurance customer service to verify)

Insurance billing: How it works

1) Patient provides insurance information

2) Patient pays "copay" at check-in

3) Diagnoses, visit, & treatments are translated into insurance codes

4) Codes are sent to insurance

5) Insurance decide price

6) Insurance decide cost to you

7) You will receive a bill from us

Smaller in-network insurances
(contact insurance customer service to verify)