Insurance Statement

Northwest Surgical Specialists is committed to providing the highest level of quality medical care and personal service to our patients. We feel it is the patient or the guardians’ responsibility to meet their financial obligations.

As we see patients from many different insurance plans, it is impossible for us to know all the covered benefits, co-pays and deductibles for each plan. In addition, your insurance company will not guarantee payment to us. While it is our intention to assist, it is still your responsibility to ensure that all services rendered are paid in full. In order to clarify Northwest Surgical Specialists’ Financial Policy, we have listed below our financial requirements:

Financial Responsibility

You, the patient or the patient’s guarantor, are ultimately responsible for all charges associated with your care regardless of insurance coverage.

Co-payments and Deductibles are a contract responsibility between the patient and their insurance. These amounts are non-negotiable.

Patients Without Insurance Coverage

Payment at the time of service is required. We offer a 5% discount on office visits and a 20% discount on surgical procedures if paid prior to or at the time of service. If necessary, short-term payment plans are available, but must be requested prior to the services being performed. If you cannot pay at the time of service, we may ask that your appointment be rescheduled.

Participating Insurances

We participate with a variety of insurance plans. It is your responsibility to:

• Verify with your insurance that we are a contracted provider
• Bring your insurance card and picture ID to every visit
• Be prepared to pay your co-pay before each visit (cash, check, visa or mastercard)
• Bring any required referral for treatment prior to or at the time of your visit

Questions you should ask your insurance company prior to your visit

• Do I need to sign up with a primary care physician (PCP)?
• Do I need to see my primary care physician before I see a specialist or another physician?
• May I choose any specialist, or is my choice limited to a specific list?
• May I have surgery at the hospital of my choice, or am I limited to specific facilities?
• Do I need a referral for surgery?
• Is there a co-pay for office visits?
• Is there a requirement about where I have my diagnostic tests performed?
• If an assistant surgeon is required, will my insurance company pay for these services, or will I be responsible?