If you have specific questions regarding your insurance coverage, please call Rush SurgiCenter at (312) 563-2880. You may be required to pay a co-pay, deductible and/or co-insurance prior to your visit.
Please be aware that Rush SurgiCenter has separate financial and billing policies and procedures from your surgeon’s office. You are most likely to receive three separate bills. One from the Rush SurgiCenter for facility services, one from your surgeon and one from the anesthesiologist. The surgeon and anesthesiologist charges are independent of the Rush SurgiCenter facility fee charge. If you have billing questions after your procedure, please contact our billing team at (877) 516-2321.
Please be advised that your services will be billed to your insurance plan. However, you are responsible for the payment of your in-network/out-of-network deductible, co-payments and/or co-insurance at the time of your procedure. These fees are mandated by your insurance carrier and cannot be waived.
Please be prepared to pay these fees at the time of service. We accept cash, checks, Visa, MasterCard, Discover, AMEX or DEBIT cards with a Visa or MasterCard logo. You can also pay your bill online.
If you are unable to arrange payment, please contact the Rush SurgiCenter directly at (312) 563-2880. We will assist you in any way we can to help make this process as smooth as possible.
Insurance Terms and Definitions
- Contracted rate: The amount both the insurance company and facility agree will be paid for a certain procedure.
- Co-pay: The amount of money the patient must pay prior to the procedure. The cost of your co-pay depends on the contract you have with your insurance company. It may be listed on your insurance card; however, you should contact your insurance company to ask if there is a co-pay for ambulatory surgery.
- Co-insurance: Percentage of costs not covered by your insurance. This varies by insurance plan. You can call your insurance provider to ask about your plan.
- Deductible: The amount you are required to pay each year before your insurance plan begins to cover any portion of a procedure. The deductible depends on the contract you have with the insurance company. Your deductible may be an individual deductible or family deductible. Contact your insurance company to obtain more information.
Types of Insurance Plans
- HMO (Health Maintenance Organization): This type of plan requires the patient to choose a primary care physician to coordinate care and refer the patient to a specialist within the HMO network
- POS (Point of Service): Requires the patient to select a primary care physician to coordinate care and refer the patient to a specialist but a POS allows the specialist to be out of network at a higher cost to the patient.
- PPO (Preferred Provider Organization): Does not require that the patient choose a primary care physician and does not require referrals to see specialists. The patient may choose physicians that are both in and out of network and pre-certification may be required for certain procedures.
- Pre-certification: Authorization obtained from the insurance carrier prior to the procedure. Authorization does not necessarily guarantee payment.
- Referral: For an HMO/POS plan, a referral is a document from the patient's primary care provider authorizing the patient to see a specialist at the facility.
- Workers' Compensation: Workers' compensation is a state-mandated insurance program that provides compensation to employees who suffer job-related injuries and illnesses. If your case is not approved by workers' compensation, other payment options are required.