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Insurance/Billing Info

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Your resource for information about policies, coverage, and billing.

Pay Bills Online

Twin Cities Orthopedics (TCO) makes it easy and convenient to pay your bill.  From the main page of our website, click on the Pay Bill link at the top of the page.  You can pay online by eCheck, VISA, American Express, MasterCard or Discover.  Be sure to have your statement and payment method readily available when making your payment.

If you have any questions regarding your billing statement, please call our Customer Service Team at 952.512.5625.

Insurance, Hospitals & Billing

TCO accepts a wide range of health plans.  We encourage you to check with your insurance to make sure your health plan provides coverage for your care at TCO and the facility should you need surgical care.

There have been a lot of changes to Medicare insurance plans in 2019.  Due to the changes, TCO has created a helpful guide to answer important questions about what may have changed with your Medicare coverage and benefits and how this could impact your care.

Click here to view the TCO Medicare Guide.

Hospitals & Same Day Surgery Centers

Our physicians perform surgeries at more than 20 hospitals and same day surgery centers located through the Twin Cities Metro area and beyond.  While TCO physicians are on staff at many hospitals and same day surgery centers, not all physicians are on staff at all hospitals and surgery centers.  It is important to inquire which facilities your physician performs surgeries at in case you need to be close to home or family after your procedure.  In addition, it will be important for you to confirm that the surgical facility location is also in-network with your insurance.

Billing/Financial FAQ

As a patient of TCO, you may have questions regarding your bill. We have listed some common questions and answers for you that will help explain and provide additional information about your bill.

Q. When will I receive my first statement?

A. TCO will submit a claim on your behalf to your insurance carrier. After your insurance provider processes your claim, TCO will send you a statement outlining any out-of-pocket costs you may have. Your statement will include any deductibles and/or co-insurance amounts you may owe. You will receive a statement approximately 30 days after you receive services. Co-payments are due at the time of service.

Q. Should I bring my insurance card with me?

A. Yes, TCO will need the information on your insurance card to correctly file a claim with your insurance company. You will be asked to present your insurance card at each visit.

Q. Do I need a referral?

A. The need for a referral differs by insurance plan. Please contact your insurance company directly prior to scheduling an appointment to inquire whether TCO is in-network for your health plan. Obtaining a referral is the responsibility of the patient.

Q. Do I need a prior authorization?

A. The need for a prior authorization differs by insurance plan and the type of procedure or service being provided. TCO will initiate the prior authorization request from your insurance company for you; however, it is your responsibility to make sure that you have prior authorization before receiving certain health care procedures and/or services.

Q. Why didn’t my insurance company cover my entire bill?

A. Out-of-pocket expenses are determined by your insurance plan during claim processing. These amounts may include co-payments, deductibles, and/or co-insurance. If you have questions or don’t agree or understand the amounts you owe, please contact your insurance company directly as they determine patient responsibility amounts for any services provided to you based on your insurance plan contract.

Q. When do I become responsible for my bill?

A. You are responsible for your bill at the time you receive services from TCO. We will work with you and your insurance company to get all eligible benefits processed in a timely manner. We will send you a statement approximately 30 days after you receive services for any patient responsibility amounts you may owe.

Q. Is there a charge for Medical Supplies given at my visit?

A. Depending on the type of supply, there may be a charge associated with it. Not all supplies are billable, but many are.

Q. What is fracture care?

A. Fracture care includes the treatment of the fracture, the first cast or splint applied and all follow-up visits during the global period (except for any complications). Typically, global periods are 90 days beginning from the first date-of-service for care of the fracture. Fracture care is billed as a “package” or global service meaning there is one charge that includes various components of caring for your fracture. Please note: There are some supplies and/or services that are billable in addition or are not included in fracture care (e.g., x-rays). If you have any questions, please contact our Customer Service Team at 952.512.5625.