Policies and Forms

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Billing Policies

Surgical Specialists, P. C. participates with most of the insurance carriers within the area.  These include:

  • Aetna
  • Independence Blue Cross
    • Personal Choice
    • Keystone Health Plan East
    • Amerihealth
  • Highmark Blue Shield
  • Medicare
  • Tricare
  • United Healthcare
  • Cigna
  • Medical Assistance
  • And many other insurance companies.

If your insurance company is not listed above, please contact your insurance company to make sure our physicians participate with your health plan.  If we do not participate with your health plan, you will be required to pay for your office visit at the time of service, unless you have made prior arrangements with the office manager at the site where you wish to be seen.

It is your responsibility to know if your insurance has specific rules or regulations, such as the need for referrals from a primary care physician, pre-certification, limit on outpatient charges, specific physicians and / or hospitals to use. You should be knowledgeable of any deductibles, co-payments, and coinsurance.  This applies to all payers regardless of whether or not our physicians participate.

The payment of fees for services is the direct responsibility of the patient. Your health benefit plan involves an arrangement between you, the enrollee, and the insurance company, HMO or your employer.  Your health benefit plan determines your coverage requirements, and establishes the limit on your coverage for medical services based on what the insurance company determines is medically necessary.  We will do our best to assist you with understanding your proposed treatment and in answering questions related to your insurance.

Upon arrival to our office, please be sure to provide us with your current insurance information. If you are enrolled in an HMO plan, such as Keystone Health Plan East or Aetna HMO, you must have obtained a referral from your primary care physician in order to be seen by one of our specialists.  If we participate with your insurance company, we will automatically bill your insurance company for the services rendered.  However, your “co-pay” is required at the time of your visit.

Some insurance plans also require that the insured pay a certain amount each year toward their medical expenses before they will cover any services.  This is called a “deductible”.  If you have not met your deductible, you will be required to pay for services at the time of your visit or in advance of any scheduled procedure.

Payment Policy Schedule:

 Co-payments                                          Full payment is due at time of service.

Deductible and coinsurance                Deposit due prior to surgery.

Non-covered service                              Full payment is due at the time of service.

Non-participating insurance plan      Full payment is due at the time of service.


Other charges / fees:

Return check fee                                 $35.00

Administration Fee                            $15.00 if co-payment not paid on date of service.

Completion of forms                          $15.00


We realize that medical care can become very expensive. If you have concerns about

your ability to pay for services, we ask that you contact us for assistance in the

management of your account.

If you have any questions about our billing policies, please contact our office at 610-436-6696, extension 123.