Insurance and Billing

It is important to familiarize yourself with your health insurance policy and know your deductible, co-pay, and policy limits. Rockford Orthopedic does not have access to your specific health insurance policy and is not able to provide you with the costs you may be responsible for prior to billing. For detailed information see Billing and Payment Procedures.

While Rockford Orthopedic accepts all health insurance plans, we are In-Network participants with the insurance providers listed below. If you have health coverage with another provider and elect to receive care at Rockford Orthopedic you will need to refer to your policy for your Out-of-Network co-pay and deductible requirements.

Participating Insurance Networks:

  • Blue Cross Blue Shield
  • Definity Health(only if Northern Illinois Health Plans is listed on card)
  • ECOH (Employers Coalition on Health)
  • First Choice (Beloit PPO only)
  • Freeport Regional Health Alliance (Northern Illinois Health Plans)
  • Humana
  • Illinois Department of Public Aid
  • Medicare
  • OSF Health Plans
  • Personal Care
  • Physicians Care Network
  • Railroad Medicare
  • United HealthCare

Please note that any co-payment required by your insurance carrier is due, and must be paid, on the date of your appointment. Non-payment may result in the re-scheduling of your appointment or a billing fee.

Global Billing Policy for Fracture and Surgical Care

Additional Information:

  • After your office visit you will be presented with a bill for services and payment is requested within 30 days of statement date. Prompt payment helps us to control your medical costs.
  • VISA, MasterCard and Discover cards are accepted.
  • You will be billed monthly for any unpaid accounts.
  • If you cannot meet your obligation, please contact our billing staff at 815-484-6991 to set up a payment plan.
  • Collection action will begin after no payment is received in 90 days.
  • Please note that litigation is NOT considered a valid reason to withhold payment for service.
  • A $25.00 fee will be charged for checks returned due to insufficient funds.
  • It is your responsibility to make sure your health insurance company pays for services rendered. The contract is between you and your health insurance carrier.
  • If insurance benefits are paid directly to you, it becomes your obligation to forward them directly to us.
  • We require the assignment of benefits to Rockford Orthopedic Associates for services we perform.

For further information regarding billing, please call 815-484-6991.