Thank you for choosing our practice for your orthopaedic service.  We are committed to satisfaction and quality care.  We value you as a patient and look forward to serving your healthcare needs.  Please understand that a sound financial policy is part of every practice.  The following is a statement of our financial policy.

Insurance

As a participating provider, Orthopaedic Specialists of Charleston follows all mandatory guidelines as specified in each individual carrier’s contract.  Upon verification that we participate with your plan, we will file your charges with your carrier.  With most participating contracts, we are required to collect the full “allowed” amount.  (The “allowed” amount is specified by your carrier.)  Therefore, you will be expected to pay your co-payment and/or deductible at the time services are rendered.  Many insurance carriers have provisions in their policies resulting in non-payment of certain services, such as supplies.  In these cases, the patient will be responsible for the non-covered charges.
   
In the event that a procedure is necessary, we will estimate our charges, your insurance company’s payment, and your co-payment.  Your estimated co-payment is due prior to your procedure.  Upon payment from your insurance carrier, you will be billed or refunded for any difference between our estimate and the actual amount due after your carrier’s payment.

If your insurance plan requires a referral or treatment authorization from a primary care physician, it is ultimately your responsibility, as the patient, to ensure that the proper referral has been obtained.  Any treatment without the necessary referral may result in a denial of payment by the insurance company, which could make payment for all charges your responsibility.

Non Insured

If you do not have medical insurance, you will be responsible for your entire bill at time of service.  If a procedure is necessary, it must be paid at least 7 days prior to date of service.

Medicare

We are a participating provider with Medicare.  As an added service, if you have coverage secondary to Medicare, we will also file that for you.

Medicaid

We are a participating provider with South Carolina Medicaid: however you must have your current card with you at time of service.  Your card must have remaining visits to be valid.  Please note that WE DO NOT ACCEPT MANAGED CARE/HMO MEDICAID, without proper authorization.

Workers Compensation

We will file your workers compensation claim as long as we have authorization for the services.  If there is no authorization on file, payment is due when services are rendered.