Financial Policies

It is the intent of Orthopaedic Specialists of North County (OSNC) to provide quality orthopaedic care in a cost-effective manner. Therefore, the following notice is necessary to ensure that all patients are informed of the financial policies of Orthopaedic Specialists of North County.

A financial counselor is available to help with questions concerning billing and statements. Please call the Billing Office at (760) 724-9000.

Services of Orthopaedic Specialists of North County are available to all persons as long as they accept responsibility for payment.

General Payment Policies

  • Full payment or accurate insurance information is due at time of service.
  • We accept cash, checks, or credit cards.
  • There will be a $25.00 charge for all checks returned as “NSF” (non-sufficient funds).
  • Orthopaedic Specialists of North County will bill contracted and most non-contracted insurance companies.
  • Cash pay patients must pay in full at the time of service or prior to date of procedure.
  • Patients are required to present a current insurance card and picture ID at every visit; without an insurance card you will be required to pay at the time of service.
  • Co-payments are due at time of service. a $25.00 charge will be added to any statement sent to a patient for a co-payment.
  • A 24-hour notice of cancellation of appointment is required; failure to provide this notice will result in a charge of $50.00

Orthopaedic Specialists of North County will bill secondary insurances for Medicare patients only.

Payment of bills is expected upon receipt of our statement. Accounts become past due after thirty (30) days unless alternative arrangements have been previously made through the billing office.

Patients with a poor credit history must pay for their services on the date of service. Further credit may not be extended to patients until their account is current. Delinquent accounts are subject to collection at any time including at time of service.

A current Medi-Cal card is required for Medi-Cal billing and must be presented at each visit.

Photo ID Requirement

Effective May 1, 2009 all medical facilities are required to comply with the Federal Trade Commission’s Fair and Accurate Credit Transactions Act. This regulation was enacted in 2003 to provide guidelines for any agency providing credit – as define by the Federal Trade Commission – to prevent Identity Theft.

As part of the guidelines, effective May 1, 2009, Orthopaedic Specialists of North County is required to obtain a copy of a valid photo ID from all patients or patient’s guardian. Without a valid Photo ID, OSNC cannot obtain your insurance information, cannot bill your insurance company, and will require that you pay for services at the time of your visit.

We apologize for any inconvenience this may cause; however, this is a Federal Regulation with which we must comply.

More information on the Fair and Accurate Credit Transactions Act.

Contract Medicine Payment Policies

All patients are expected to pay any required co-payments at time of services. For medical services covered by their contract, no additional payments are required. However, patients will be required to pay for non-covered supplies, equipment, and services.

Medicare

Orthopaedic Specialists of North County does accept Medicare assignment. All patients without a secondary insurance will be responsible to pay the remaining balance after Medicare payment. All patients are responsible to pay for “non-covered” services. Patients may be required to sign an Advance Beneficiary Notice.

Insurance Billing Information

Your insurance policy is a contract between you and your insurance company. If your insurance company has not paid your account in full within sixty (60) days the balance may be automatically transferred to your responsibility for payment upon receipt of statement. It is the patient’s responsibility to provide current insurance information to the practice.

Usual And Customary Rates

Our practice is committed to providing the best treatment for our patients, and we charge what is usual and customary for our area. You are responsible for payment regardless of any insurance company’s arbitrary determination of usual and customary rates.

Minor Patients

The adult accompanying a minor and the parents (or guardians of a minor) are responsible for full payment. For unaccompanied minors, non-emergency treatment will be denied unless authorization from guardian is provided in writing.

Durable Medical Equipment

Your doctor may prescribe a piece of medical equipment, i.e. cold therapy, walker boot, crutches, etc., to be used for a period of time to aid in your recovery. We will fit and dispense that product to you. We will bill your insurance company for these services and products. Some products may not be covered. Except for rental equipment, these products may not be returned. You will be expected to pay for any products or related services provided to you whether or not your particular insurance policy covers it.

Care Credit

Learn more about healthcare financing options with CareCredit.

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