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Financial Policy / Insurance
Thank you for choosing Midlands Orthopaedics, P.A. We are committed to the success of your medical treatment and care. Prompt payment of charges incurred helps us keep our fees down, so we hope that you will take a moment to familiarize yourself with our financial policies.
For your convenience, we have answered the most frequently asked questions regarding our financial policy below.
If you need further information about any of these policies, please call 803-256-4107 and ask to speak with an Account Specialist or the Insurance Manager.
How may I pay?
We accept payment by cash, check, and debit/credit cards from Visa
and Mastercard.
Do I need a referral?
If you have a HMO or POS plan with which we are contracted, you will
need a referral authorization from your primary care physician. If we
have not received an authorization prior to your arrival at the office,
we have a telephone available for you to call your primary care physician
to obtain it. If you are unable to obtain the referral at that time,
we will reschedule your appointment.
Which plans does Midlands Orthopaedics participate with?
Please see the list below.
What happens if I bring my child in but my ex-spouse is responsible
for all medical bills?
A parent or legal guardian must accompany patients who are minors.
The accompanying adult is responsible for payment of the account unless
a divorce decree is provided verifying a different responsible party.
What will I have to pay?
Your financial responsibility depends on a variety of factors which
are explained below:
If you have: |
You are responsible for: |
Our staff will: |
An insurance plan with which we participate (see list below.) |
Payment of all co-pays and deductibles at the time each service is rendered. |
Call your insurance company ahead of time to determine your co-pay, deductible and co-insurance amounts and file your claim. |
A “private” insurance plan- one with which we do not participate. |
Payment of all services at the time they are rendered. If you are unable to do so, you must make prior arrangements with our Account Specialists. |
File your claim. |
No insurance |
Payment of all services at the time they are rendered. If you are unable to do so, you must make prior arrangements with our Account Specialists. |
Offer a 30% discount on services that are paid in full at the time of check-out or will help you set up a monthly payment plan. |
Workers’ Compensation (for an on-the-job injury) |
Providing verification of Workers’ Compensation coverage (i.e., First Report of Injury) along with necessary claims information upon request. Verification must be obtained prior to any visit. |
File your claim to the workers’ comp carrier and provide you and your adjuster with work-status updates at the time of each visit. |
PARTICIPATING INSURANCE PLANS:
Beech Street |
Ethix | NPPN |
BCBS of SC |
Evolutions |
One Health Plan |
| BCBS (SC State employees) | Federal Employee Program (FEP) |
Planned Administrators (PAI) |
| Blue Choice | First Health | Premier Healthcare Systems |
| Carolina Care Plan (CCP) | Great West | Select Health |
| CCN | Guardian Resources | Southcare |
Companion Healthcare |
Kanawha Health Solution |
United Healthcare |
CIGNA |
MedCost |
Up & Up of America |
Continental General |
Medicaid |
USC |
| Corvel | Medicare | Wellpath/Coventry |