Patient Payment Policy
We require patients to provide a copy of their insurance card, proof of identification, and co-payment at check-in for every visit. If you do not have your insurance or copayment with you at the time of your visit, your appointment may be rescheduled
Payments: We accept, cash, check, VISA, MasterCard, and Discover Card. For your convenience, you can pay via phone by calling our business office at 503-608-5172. You can also pay for services rendered from Orthopedic + Fracture Specialists or the Center for Specialty Surgery through our online payment system – Online Bill Pay.
Copayments are the amounts your insurance policy requires us to collect with each visit, and are due at the time of service. Patients who arrive without their copay may be rescheduled.
Deductible is the total amount according to your policy that your insurance company requires you to pay before they will pay claims on your behalf.
Coinsurance is the percentage of the bill that is your financial responsibility according to your contract with your insurance company.
Deposits: Depending on the services rendered to you, including MRIs, we may ask you to make financial arrangements on the estimated, unmet portion of your deductible and/or any coinsurance before services are rendered.
Surgery Deposits: If elective surgery is required your insurance benefits will be verified by our staff and you will be required to pay any deductibles and coinsurance before the surgery date.
All patients are required to pay off their balances within 30 days of receiving their first statement from O+F. However, we realize that medical expenses can be an unexpected cost. If you cannot pay your balance in full, please contact our Business Office at (503) 608-5172 as soon as possible after receiving your statement to discuss possible payment arrangements.
Referrals: If your insurance policy requires a referral, as a courtesy, our Business Office will attempt to obtain the appropriate referral from your Primary Care Physician. Please be aware that if you choose to be seen before O+F has received a valid referral, your insurance company may not pay for the visit and any costs associated with that visit will be your responsibility. If a referral has not been received 3 business days prior to your appointment, you may be contacted, and your appointment may be rescheduled.
Prior Authorizations: If your insurance policy requires prior authorization for any services provided to you, as a courtesy, O+F will attempt to secure this on your behalf. . If you choose to have services provided to you, you will be provided with a waiver form, which will indicate your financial responsibility for those services.
As a courtesy, O+F will bill your primary and secondary insurances for you. However, the responsibility for any charges associated with services provided to you or your dependent is yours. It is your responsibility to provide O+F with correct insurance billing information and your billing address. If your insurance changes, please present your new card at the time of your visit. The list of insurances our providers are contracted with is listed on our website – Contracted Insurances. If you do not have your insurance card with you at the time of your visit to provide us with valid insurance information, you will be billed for the services, or your appointment will be rescheduled.
By providing your insurance information, you are authorizing Orthopedic + Fracture Specialists, including Physical Therapy and Magnetic Resonance Imaging, to bill your insurance company (ies) for services rendered to you. This assignment of benefits allows Orthopedic + Fracture Specialists to furnish your insurance carrier with any information concerning your present illness or injury required for claims payment and permits the insurance company (ies) to make payment directly to Orthopedic + Fracture Specialists.
We reserve the right to send accounts with balances that have been outstanding over 90 days from the date a statement is sent to you, or the date of payment received from your insurance company, whichever is later, to a collection agency. If you have a balance on your account that is more than 90days past due, the Business Office will be contacting you to make payment arrangements. If it becomes necessary to effect collections of any amount owed, you will be responsible for all costs and expenses, including reasonable collection and attorney fees. If any portion of your past due amount has been assigned to a collection agency, we will require that you pay off that balance to the collection agency before another appointment can be scheduled with our office.
Information about your medical care at the Orthopedic & Fracture Clinic becomes part of your medical record, which is protected by strict confidentiality. If you would like us to release information about your health care, we will ask you to sign a form authorizing us to do so. We will then be happy to transfer that information to anyone you choose.
Please call your pharmacy a day or two before you need your prescription refilled. The doctor must authorize the prescription, but O+F requires the request to come through your pharmacy. Prescriptions are only refilled during regular office hours.