Billing & Insurance

For any questions or concerns over charges for medical visits or procedures, please reach out to our billing office.

Contact one of our billing representatives at 1-888-816-0288, available Monday through Friday from 8:00 a.m. to 5:00 p.m.

Copays, deductibles and coinsurance payments may be made using cash, check, money order or credit card –– we currently accept Visa, Discover and MasterCard.

All payments are due at the time of your office visit. If a payment is not made, then your appointment may be rescheduled. After 30 days, an unpaid balance is considered past due. Please pay your balance on time or make payment arrangements with our billing team.

Pay your bill online

For your orthopaedic care, we accept the following insurance plans:

• Aetna
• Blue Cross Blue Shield –– PPO and HMO plans
• Cigna
• Health Alliance
• Humana
• Medicaid – Including Meridian, Aetna Better Health and YouthCare
• Medicare
• Methodist First Choice Network
• Mutual Medical Consumer Care Network
• OSF Direct Access Network (DAN)
• United HealthCare
• Workers’ compensation –– prior authorization required

If you have coverage from a non-contracted or out-of-network insurance carrier, you will be responsible for any coinsurance, over usual and customary payments as well as outstanding balances. If your insurance company indicates a charge is over usual and customary, this means the fee is above the company’s allowable rate.

If you are insured, please have your insurance card handy for your first visit and any subsequent visits. In the event you don’t have your card with you, we may not be able to confirm the details of your coverage and we might need to reschedule your appointment.

If your insurance plan requires a referral prior to your orthopaedic appointment, please reach out to your primary care physician before your scheduled appointment at Midwest Orthopaedic Center.

If your provider is out-of-network, you may be required to pay a larger amount for our services. We are willing to work with all health insurance providers but, keep in mind, our in-network providers are exclusively listed above. Contact your carrier to confirm whether we have a pre-existing relationship with them.

Ultimately, payment is your responsibility and will be required at the time of your appointment –– with the total cost determined by your insurance plan. While our billing representatives are on hand to assist you in getting appropriate reimbursements from your insurance provider, please note that your coverage is based upon an agreement between you and your insurance carrier.

All services offered by Midwest Orthopaedic Center are billed to your primary and/or secondary insurance provider. If your provider fails to respond, a statement of the charges will be sent to you. These statements are sent monthly, until paid, with payment due 30 days following your appointment or procedure.

If you have no health insurance coverage, don’t worry –– we treat uninsured patients, too. As an uninsured individual, you’ll be eligible for our self-pay option. Through self-pay, new patients pay a minimum of $250 on their first visit and a minimum of $50 at each subsequent visit. These payments are considered deposits on services rendered. Any charges that exceed those deposits will be billed to you afterward.

At your first visit, be sure to speak to our patient advocate. They will be available to discuss the necessary charges as well as any discounts that may be up for negotation.

We accept Public Aid coverage as outlined by the Department of Health and Family Services –– including Illinois Public Aid, KidCare, Meridian, Aetna Better Health and YouthCare –– as long as you have a referral from your primary care physician. A referral is also needed for any Midwest Orthopaedic Center appointments that result from a prior hospital or ER visit.

Please bring your Public Aid card to every one of your scheduled appointments, and be prepared to pay your copay –– as outlined by your Public Aid plan –– at the time of your visit.

At Midwest Orthopaedic Center, prior-authorization from your employer or workers’ compensation carrier is needed before an appointment will be scheduled. If your claim is disputed or denied by your employer, we will require the written denial in order to bill your personal medical insurance. Once your claim has been approved by the Illinois Workers’ Compensation Commission, you may contact us and schedule an appointment.

If you are currently a patient undergoing treatment with us and your workers’ comp carrier discontinues your authorization, you will need to contact your health insurance provider to continue treatment. You may also choose to proceed with an uninsured arrangement.

Midwest Orthopaedic Center does not usually file claims for accident or liability cases. If your injury is the result of a liability, however, all appropriate liability and attorney information must be provided to us during your first appointment.

As a courtesy, we will bill your liability carrier once we’ve verified the incident with them, but we will not bill a third-party liability carrier on your behalf. After the liability coverage has been exceeded, we will charge your health insurance.

Litigation is not considered a valid reason for withheld payments, and we will begin collection actions if no payment has been received by the due date.

We make sure the cost of our treatment is fair and reasonable. Our billing team uses national and local studies of fees for similar orthopaedic services as a guide, and we annually update our pricing standards. Please reach out to your insurance carrier if you have any questions regarding service charges and fees.