Moab and Grand County · Reading your bills after an ER visit

Why Did I Get Two Bills After the Moab ER on Medicare?

Because since July 1, 2025, the doctors in Moab Regional Hospital's emergency department bill through their own group, CarePoint. The hospital sends one bill for the facility and CarePoint sends one for the doctor. Here's what each bill should say on Original Medicare, a Medigap plan and a Medicare Advantage plan, and how to check them before you pay.

Medicare On Main Data Desk

Published November 10, 2026 · 6 min read · Reviewed by Brian Penner, 22+ years in Medicare

Who sends the second bill

In May 2025, Moab Regional Hospital announced it was handing staffing of its emergency department to CarePoint, a physician-owned emergency medicine group based in Colorado. The Moab Sun News reported the change took effect July 1 and that patients "will now receive two separate bills for an emergency room visit: one from MRH and one from CarePoint for provider services."

The doctors mostly didn't change. The hospital required CarePoint to keep its existing ER providers, and CarePoint says twelve of its clinicians now work in the Moab ER, which sees about 6,000 patients a year. Andrew Florence, MD, a CarePoint physician since 2006, is the medical director, and the hospital's ER page lists him as department chair. What changed is who sends the bill.

It's not the first split bill at Moab Regional. Becker's Hospital Review noted the hospital already used the same model for radiology. So if you had an X-ray or CT in the ER, a third bill from the radiologist's group is possible.

What each bill covers, and what you should owe

Sources: Medicare.gov emergency department services, Medicare.gov Medigap comparison (2026 Part B deductible), Humana's 2027 Evidence of Coverage, and UnitedHealthcare's 2027 Grand County plan page. The 2027 Part B deductible hadn't been announced as of November 10, 2026.

On Original Medicare, the doctor's bill is a separate 20%

Medicare.gov says that for an ER visit you pay a copayment for the visit and for each hospital service, plus 20% of the Medicare-approved amount for the doctor after the Part B deductible. At Moab Regional, the doctor's 20% now arrives on CarePoint's letterhead instead of the hospital's.

The hospital's share is often the bigger surprise at a critical access hospital like Moab Regional, because the coinsurance is figured on the hospital's charges, not a Medicare fee schedule. I walk through that math in why a Moab hospital bill costs more on Medicare.

If you have a Medigap plan, both bills go to Medicare first and then to your supplement. Plan G pays the 20% on both after you've met the Part B deductible for the year. Plan N pays it too, but Medicare.gov says you owe "up to $50 for emergency room visits when you aren't admitted as an inpatient." So on Plan N, expect a small bill for that copay even after the supplement pays.

On Medicare Advantage, the ER copay covers the doctor

Advantage plans price the ER as one visit. On the Humana plans sold in Grand County, the 2027 Evidence of Coverage lists the ER visit at a $130 copay ($115 on Humana Essentials Plus Giveback) and then, on its own line, "Provider and Professional Services $0 copayment – Emergency Room." I read that line in four of the six Humana Grand County documents and it was the same in each, in and out of network. UnitedHealthcare's 2027 Grand County plan page lists "Emergency care $130 copay per visit" with no separate charge for the doctor.

Two protections back that up. First, emergency care is covered at the in-network cost share even if CarePoint isn't in your plan's network. That's federal rule 42 CFR § 422.113. Second, both carriers' 2027 Evidence of Coverage documents say providers "can't bill you for additional separate charges, called balance billing."

So on an Advantage plan, the CarePoint bill should show the plan paid and you owe $0, or it should be part of the single ER copay. If it asks you for a percentage of the doctor's charge, call your plan before you pay it. Also, if the ER admits you to the same hospital within 24 hours, the plans waive the ER copay and you pay the inpatient copay instead. More on that in our Moab ER copay post.

How to check the bills before you pay

1. Wait for the Medicare statement. On Original Medicare, that's your Medicare Summary Notice, or your claims in your online Medicare account. On an Advantage plan, it's the plan's Explanation of Benefits. Both list each provider separately: Moab Regional for the facility, CarePoint for the doctor.
2. Match three things on each bill: the date of service, the provider name, and the "you may owe" or "patient responsibility" amount. The bill shouldn't ask for more than the statement shows.
3. If a bill came before the claim was processed, call the number on that bill and ask whether Medicare and your supplement or plan have paid yet. Medicare.gov lists common reasons you get a bill, such as a provider that "Doesn't accept assignment" or "Didn't collect the Medicare deductible and coinsurance amounts you owe."
4. If the amounts don't match, call the provider's billing office first and your plan second. On Original Medicare, call 1-800-MEDICARE about the claim.

Help with the bill from Moab Regional

Moab Regional's billing page lists a 20% prompt-pay discount if you pay within 30 days of the first statement, interest-free payment plans, and financial assistance based on income and family size. It also says "Individuals with health insurance may also be eligible for assistance with co-pays and deductibles." You have 240 days from your first statement to apply. The Business Office is at (435) 719-3536.

The help reaches the second bill too. The hospital told the Moab Sun News that if you qualify for its financial assistance, the aid is applied to CarePoint's bill automatically, with no extra paperwork.

Monticello and Blanding

The Medicare rules are the same in San Juan County: a facility share and a doctor's share on Original Medicare, one ER copay on an Advantage plan. Whether you get one bill or two depends on how each hospital staffs its emergency room. San Juan Health in Monticello and Blue Mountain Hospital in Blanding haven't published anything like Moab Regional's announcement, so ask the billing office which bills to expect. The six Humana PPOs sold in Grand County are also sold in San Juan County.

If ER costs are part of your 2027 decision

• On Original Medicare without a supplement, there's no yearly cap on the 20%. An ER visit at a critical access hospital is where that shows up first.
• On an Advantage plan, the ER copay is predictable, and the out-of-pocket maximum caps a bad year. Check the inpatient copays too, since an ER visit can turn into an admission.
• On Plan N, the $50 ER copay is small. The bigger question is whether your doctors accept Medicare assignment, since Plan N doesn't pay excess charges.

Open Enrollment runs through December 7, and changes take effect January 1.

How we know all this: the Medicare On Main Data Desk frames every article with public data. Here that means the Moab Sun News and CarePoint announcements of the July 1, 2025 change, Moab Regional Hospital's billing and emergency department pages, Humana's 2027 Evidence of Coverage documents for its Grand County PPOs, UnitedHealthcare's 2027 Grand County plan page, the CMS CY2027 landscape file, and Medicare.gov's emergency, claims and Medigap pages, all read November 10, 2026. Benefits can differ in a plan's final documents, so confirm them in its Summary of Benefits and Evidence of Coverage. Carrier and provider names are factual reporting, not endorsement. Medicare On Main isn't affiliated with Moab Regional Hospital or CarePoint. This is education, not advice. We do not offer every plan available in your area. Compare plans with a licensed agent or Medicare.gov. We take no payment from any carrier to feature a plan.