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Children’s Hospital Colorado
Anschutz Medical Campus
13123 East 16th Avenue
Aurora, CO 80045
Emergency and urgent care locations
In life-threatening emergencies, find the emergency room location nearest you. For non-life-threatening medical needs when your pediatrician is unavailable, visit one of our urgent care locations.
Urgent care locations (hours vary)
See all urgent care locationsNot sure if you need urgent or emergency care? Help me decide
All locations
See a listing of all our Children’s Hospital Colorado locations including inpatient, outpatient, therapy, surgery facilities and more.
Locations near you
See all locationsMore Options
Insurance Plans Accepted by Children’s Hospital Colorado
Contact us
Our Patient Financial Services team is here to help with insurance and payment questions after your visit. For support, contact us at
720-777-9783
or
Cost.Estimate@
childrenscolorado.org.
For support before you visit or to get a cost estimate, please contact us at
720-777-0720
or
Cost.Estimate@
childrenscolorado.org.
Children’s Colorado works with most major health insurance plans and national transplant networks.
We accept many plans with the insurance companies listed below, but some plans may not cover all services at Children’s Colorado. That’s why it’s important to verify your coverage with your health insurance plan before you visit.
Questions to ask when talking to your insurance company
- Does my plan include Children’s Hospital Colorado?
- Does my plan include the doctor we are seeing at Children’s Colorado as a participating provider?
- Note: Most of the doctors at Children's Colorado are employed by the University of Colorado (CU) School of Medicine. View CU Medicine's accepted insurance plans.
- Are there any network restrictions, copayments, deductibles or other out-of-pocket expenses I will be responsible for?
Plans we accept
This list of accepted insurance plans does not include all of the plans we accept. We update this list often and it is subject to change. Limits in coverage are based on individual group contracts, which can change from year to year.
Please contact your insurance company to understand your benefits and coverage and to make sure that both Children’s Colorado and CU Medicine participate in your health plan’s network.
- Aetna (EXCEPT Aetna Whole Health)
- Anthem Blue Cross Blue Shield/Elevance – Denver Metro Region
(EXCEPT Pathway, Pathway PPO, Pathway Essentials, Pathway Essentials PPO, Pathway Standard, Pathway PPO Standard, Pathway Essentials Standard, Pathway Essentials PPO Standard) - Anthem Blue Cross Blue Shield/Elevance - Colorado Springs Region
(EXCEPT Pathway Essentials, Pathway Essentials PPO, Pathway Essentials Standard, Pathway Essentials PPO Standard) - Blue Cross Blue Shield
- Carelon Behavioral Health
- Centivo
- Cigna (EXCEPT for Cigna Connect/Colorado Option & SureFit)
- Colorado Access
- Colorado Community Health Alliance
- ComPsych
- Craig/Swedish/Spaulding Health Benefit Trust
- Denver Health & Hospital Authority – Elevate Medicaid Choice
- Denver Health Medical Plan
- Employers Health Network
- Evernorth Behavioral Health, Inc.
- First Choice Health - Big Sky Region
- First Choice of the Midwest
- First Health Network
- Integrated Health Plans
- Kaiser Permanente
- MotivHealth/Denver Public Schools only
- Midlands Choice
- Mines & Associates
- Molina Healthcare of Nebraska
- Molina Healthcare of New Mexico
- MultiPlan/Claritev
- Optum Behavioral Health
- Presbyterian Health Plan
- Rocky Mountain Health Plans
- Select Health
- South Dakota Department of Health – Kids with Chronic Conditions
- Stratose / Zelis Healthcare
- TRICARE / West Region
- Simplified Benefits Administrators (fka UCHealth Plan Administrators)
- UnitedHealthcare
- USA Managed Care Organization
Health insurance exchange plans that include Children’s Colorado for 2026
In 2026, Children’s Colorado is included in the health insurance exchange plans listed below.
- Anthem BlueCross BlueShield / Elevance – HMO Mountain Enhanced/HMO Mountain Enhanced Standard
- Anthem BlueCross BlueShield / Elevance – HMO Pathway/Pathway Standard/Pathway PPO Standard (Colorado Springs Locations only)
- Denver Health Medical Plan, Inc. – Elevate/Elevate Colorado Option
- Kaiser Permanente – KP Select
- Kaiser Permanente – KP CO HMO
- Kaiser Permanente – KP Colorado Option
- Rocky Mountain Health Plans – RMHP Monument Health, RHMP Monument One, RMHP Valley
- Rocky Mountain Health Plans (partnering with United Healthcare) – RMHP Colorado Doctor’s Plan/RMHP Colorado Doctor’s Plan Colorado Option
- Select Health – Select Health Value / Select Health Value Colorado Option
Participating transplant networks
- Aetna Institutes of Excellence – Heart, liver, kidney and bone marrow transplants
- Anthem Centers of Medical Excellence for Transplants – Kidney transplants
- Blue Distinction Centers for Transplant – Heart, liver and bone marrow transplants
- CIGNA LifeSOURCE Transplant Network – Heart, liver, kidney and bone marrow transplants
- Humana National Transplant Network – Heart, liver, kidney and bone marrow transplants
- INTERLINK Transplant Network – Heart, liver, kidney and bone marrow transplants
- Kaiser Permanente National Transplant Services – Heart, liver, kidney and bone marrow transplants
- Emerging Therapies – Heart, liver, kidney and bone marrow transplants
- OptumHealth Transplant Centers of Excellence Network – Heart, liver, kidney and bone marrow transplants
Plans we don’t accept
In 2026, Children’s Colorado is not included in the following health insurance exchange plans:
- Anthem BlueCross BlueShield / Elevance – Pathway (Denver Metro locations only)
- Anthem BlueCross BlueShield / Elevance – Pathway Standard (Denver Metro locations only)
- Anthem BlueCross BlueShield / Elevance – Pathway Essentials (All locations)
- Anthem BlueCross BlueShield / Elevance – Pathway Essentials Standard (All locations)
- Anthem BlueCross BlueShield / Elevance – Pathway Essentials PPO (All locations)
- Anthem BlueCross BlueShield / Elevance – Pathway Essentials PPO Standard (All locations)
- Anthem BlueCross BlueShield / Elevance – Pathway PPO (Denver Metro locations only)
- Anthem BlueCross BlueShield / Elevance – Pathway PPO Standard (Denver Metro locations only)
- Cigna Health Plan of Colorado – Connect/Connect Colorado Option (Except for behavioral health services)
Health sharing ministries
Children’s Colorado does not participate with health sharing ministries including, but not limited to:
- Samaritan Ministries
- Christian Healthcare Ministries
- Christian Care Ministry/Medishare
- Liberty HealthShare
- Altrua HealthShare
Understanding copays, deductibles and coinsurance
Your health coverage can change every year depending on your health insurance plan. This determines if your bill is covered by insurance. Hospital coverage often has patient responsibilities including deductibles, copayments (copays) and coinsurance. Since each plan can be different, we encourage families to carefully go over their benefits with their insurance company.
Copay
You pay copays when you see the doctor.
Deductible
Deductibles are the portion you must pay before your insurance pays.
Coinsurance
Coinsurance is how you and your insurance company split up the cost of your care.
Out-of-Pocket Maximum
This is the most you will pay for all costs during your plan year.
For example, say your plan’s deductible is $2,500. Your plan covers 70% of services. Your out-of-pocket max is $7,350. Setting aside copays, here’s what your year looks like:
Filing an appeal
If you disagree with the insurance company’s payment amount, contact your insurance company directly and ask them to review how the claim was processed.
If the insurance company determines the bill was paid correctly and you still disagree, please contact your benefit manager with your insurance company. They can walk you through an appeals process. Filing an appeal will ensure that your claim will be reviewed for reconsideration.
Coverage FAQs
Some health insurance plans require a referral from your primary care doctor, or prior authorization from your plan, before you see a specialist. Watch the video below to learn how the process works.
When you schedule your appointment or check in for your visit, we will ask you about your health insurance plan. Your coverage will determine how much you may owe, including any copays, deductibles, coinsurance and out-of-pocket maximums.
Yes. The patient or legally authorized representative is responsible for verifying their insurance coverage and confirming whether the patient has in-network insurance coverage or out-of-network insurance coverage.
When you speak with your insurance company, make sure to verify coverage for both Children’s Colorado and CU Medicine, the organization that employs most of the doctors you see here.
The amount you pay depends on the insurance plan you have. We will send you a cost estimate before your appointment based on the information from your health insurance plan, so you have an idea of what your visit could cost.
If we see that there is a scheduled service not covered by your insurance plan, our team will reach out to you before your appointment to talk about payment options.
We work hard to provide an accurate and personal estimate of your out-of-pocket costs, but it is an estimate only. Your care will be based on your specific needs, and the actual charges on the final hospital bill may be different from the estimate for a variety of reasons.
If you have more questions about your payment, please don’t hesitate to contact the billing estimates team.
At each visit, we will file your claim using the insurance information you give us during registration. The insurance plan(s) that we have on file for each visit will be listed on your billing statement.
It is important that you give us all the necessary information so we can bill the correct health insurance plan in a timely manner.
We will send your claim to all the health insurance plans that you give us at each visit. The insurance plan(s) that we have on file for each visit will be listed on your billing statement.
Health insurance coverage can change from year to year depending on your plan. A portion of your bill may not be covered because of patient responsibilities like a deductible, copay or coinsurance. Since every insurance plan is different, families should review their benefits directly with their insurance company.
We will review your insurance and determine if you are in-network at the time you schedule an appointment.
Some smaller health insurance plans that are managed by a larger insurance company may be considered out-of-network after the claim is processed. If that happens, we honor the in-network rate.
Sometimes, health insurance plans will consider Children’s Colorado in-network but the doctor you see out-of-network. This is why we ask you to verify insurance coverage for both Children’s Colorado and CU Medicine, the organization that employs most of the doctors you see at Children’s Colorado.
If you learn that your doctor is considered out-of-network for your health insurance plan, please contact CU Medicine at 303-493-7700.
If you do not have health insurance, please see our information about online bill pay and payment plans.
If you disagree with the insurance company’s payment amount, contact your insurance company directly and ask them to review how the claim was processed.
If the insurance company determines the bill was paid correctly and you still disagree, please contact your benefit manager with your insurance company. They can walk you through the appeals process. Filing an appeal will ensure that your claim will be reviewed for reconsideration.
The guarantor is the person who is responsible for paying the bill.
When you arrive for your visit, we will ask you to complete several forms. We will verify and assign the guarantor for the bill based on who signs the general consent form for the patient’s treatment. In most cases, this is the patient’s parent, another family member or a legally authorized representative.
If you’re visiting Children’s Colorado from another state, you’ll need to verify with your insurance company that our hospital and providers are in-network.
If our hospital is not in-network for your plan, you may choose to pay for care yourself. You can request a cost estimate for your care and review your options for financial assistance and payment plans.
We know health insurance and hospital billing can be confusing. Our Patient Financial Services team is here to help. Browse our resources on cost estimates, financial assistance and billing or contact us before your visit at 720-777-0720 or Cost.Estimate@childrenscolorado.org.
After your visit, call us at 720-777-6422 or contact PFS@childrenscolorado.org.