Insurance Information

Payment for deductibles (if not already met) and co-payments are your responsibility, and must be paid in full at the time of your visit. If this is not possible, we ask that you make special arrangements with our Patient Accounts Manager in advance of your appointment date.
Patients Not Covered by Insurance – If your visits will not be covered by insurance, you will be expected to pay your charges on the day of your visit. If you should have to be scheduled for surgery, we will arrange a payment schedule for you. Please note that we do accept VISA, Discover, and MasterCard.

Patients with Private or Group Insurance – If you are covered by private or group insurance, it is your responsibility to know your deductibles and co pay. We will file the claim for that first visit with your insurance company. Additionally, we will file your claims for any future visits, instructing the insurance company to pay us directly. This will save you from having to pay for subsequent office visits after that first one. If your insurance company requires special forms, please bring them with you on the day of your first visit.

Patients with Medicare – OFFICE VISITS: Please note that we ACCEPT ASSIGNMENT on Medicare. We will file your insurance claim with Medicare. Your payment will be sent directly to Midwest Orthopedic Specialists, at which time your account will be adjusted accordingly. We will file a claim with your secondary insurance after we have received payment from Medicare. If your secondary insurance requires that special forms be filled out, please bring them to our office on the day of your visit.

MAJOR PROCEDURES: We will also file your claim with Medicare for major procedures. Medicare will send a payment to the Midwest Orthopedic Specialists. Payment for the deductible and co-payment should be arranged with our Patient Accounts Manager at the time the procedure is scheduled.

Patients with Worker’s Compensation – If you are covered by worker’s compensation insurance, please bring to your first appointment a letter from your employer or insurance carrier verifying that you are covered by worker’s compensation. Your letter should include: name of employer, address, and phone number of insurance company, and claim number (if possible).If you do not have enough time prior to your appointment to obtain such a letter, please have your employer or insurance carrier phone our office to verify coverage. If we do not have verification by the time of your appointment, your will be required to pay your charges on the day of your visit.

Patients with Liability Insurance – If you are covered by motor vehicle insurance, we ask that you pay for each examination on the day of your visit. It is your responsibility to file any liability charges with your carrier. Should you have to have surgery, we will arrange some type of payment plan for you until your insurance will pay the charges. If your insurance requires special forms, please bring them with you on the day of your first visit.

All Patients – If applicable, please try to pay for all services at the time of each visit. This reduces our billing cost considerably and thus helps keep our costs reasonable. We accept VISA and MasterCard. Unpaid charges are billed to the patient on a monthly statement and are due upon receipt.

If you require extra time to pay your account, you may do so by making arrangements with our Patients Accounts Manager. Every effort will be made to work out a mutually-satisfactory payment schedule.

Accidents & Attorneys – Liability action against someone is not a reason to delay payment of your account. Payment is the responsibility of the person receiving the treatment, not the individual being sued.

For this reason, as well as the fact that lawsuits can go on for an extended period of time, we ask that your bill be paid promptly. Once this is done, we will provide your attorney with the necessary medical information for your litigation purposes.