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Insurance & Billing

If you have billing questions you can reach our billing office by calling 636-561-5030 or emailing erichardson@signaturehealth.net. Because of privacy issues we may not be able to answer your questions via email so be sure to leave another method of contact.

FINANCIAL POLICIES

Thank you for choosing St. Charles Orthopaedic Surgery Associates, Inc. (SCOSA) for your orthopaedic care. We are committed to the success of your medical treatment and care. Please understand that payment of your bills is part of this treatment and care.

REFERRALS: If you have an HMO plan with which we are contracted, you need a referral authorization from your primary care physician. If we have not received an authorization prior to your arrival at the office you may use the telephone available to call your primary care physician to obtain it. If you are unable to obtain the referral at that time you will be rescheduled.

Your Financial Responsibilities

Our office will file insurance for all reimbursable services, to both your primary and secondary insurance carriers. Please remember that you are responsible for all deductible, copay, and non-covered service amounts. We accept payment by cash, check, Visa and MasterCard. You will receive statements from our office for account balances that are your responsibility, the balance is due within 15 business days. If the patient portion of your account is not paid in a timely manner collection efforts will be made. Any collection agency fees incurred to collect the patient portion of your account will be at your expense.

HMO, POS and PPO plans that SCOSA contracts with

If the services you receive are covered by the plan and you have provided any required referral and/or authorization, you are responsible for all applicable copays and deductibles, these are to be paid at the time of service. If the services you receive are not covered by the plan payment in full is requested at the time of service.

Commercial Insurance or PPOs that SCOSA does NOT contract with

SCOSA will submit your claims to your carrier as a courtesy if all current and accurate information is provided. You will be billed for any remaining balance with the total amount due within 15 days of billing.

Medicare

You will be responsible for any portion of your deductible that is not paid or covered by your secondary. You will be responsible for any service not covered by Medicare. If you do not have secondary insurance you will be responsible for the 20% copay. SCOSA will submit Medicare and secondary claims. All patient balances remaining after Medicare and secondary payment will be billed to you and will be due within 15 days of billing by this office.

Medicaid

SCOSA physicians are not participating providers in Missouri Medicaid. Payment is required at the time of service. We will work with you to arrange a payment plan. This will be determined on a case by case basis. Please request an APPLICATION FOR SELF-PAY PATIENT DISCOUNT form.

Workers Compensation

If we have verified the claim with your workers comp carrier no payment is necessary. If we are not able to verify your claim payment in full is required at the time of service.

No Insurance

Payment in full is required at the time of service. If you have financial hardships we will work with you to arrange a payment plan. This will be determined on a case by case basis. Please request a copy of our SELF-PAY POLICY and APPLICATION FOR SELF-PAY PATIENT DISCOUNT forms.

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Office Hours
Monday - Friday
8:30am - 5:00pm

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