The staff at your referring clinic will collect insurance information and discuss cash pay options with you prior to scheduling your surgery. This information will be passed along to Independent Surgery Center who will contact your insurer to verify benefits specific to your plan. You will then be contacted by our staff to resolve any issues or to inform you of any co-pays, co-insurance, or deductible which will be due on the day of surgery. In most cases, we should be able to estimate the cost of your surgery upfront, and our Business Office staff will help you finalize your financial arrangements before your surgery. Please arrive on the day of surgery prepared to meet any financial responsibility. Patients with a high-deductible insurance plan, or those without any coverage will be required to make a payment before the procedure is performed.
If you have MEDICARE: Medicare has a set rate for every surgery. You are responsible for 20% of this rate, which can be covered by secondary insurance or with a payment to ISC prior to surgery.
If you have INSURANCE: Charges vary for surgery based on the contracts your insurance company has negotiated with ISC. These contracts provide a discount off of ISC’s normal published rates.
The insurance plan information you received from your insurance carrier describes, in detail, your responsibility for deductibles, co-insurance and co- pays for outpatient surgery.
If you are UNINSURED: ISC rates are used to determine your financial responsibility. ISC offers a discount for cash payments, and accepts credit card payments or Care Credit Financing as well.
The facility fee and the anesthetist’s fee are billed by ISC. The cost of surgery at ISC will depend on the type of surgery you are having. These charges cover the use of the surgery center, its equipment, staff, and the supplies needed to perform the surgery.
Each surgery (cataract, corneal transplants, SLT, YAG, etc.) has a specific charge/rate assigned for the facility portion of the surgery.
The fees charged by your surgeon to perform the surgery are separate and will be charged by the surgeon’s office/clinic.
After surgery, Medicare and/or your insurance company will be billed by the clinic/ surgeon’s office and ISC. You should receive an EXPLANATION OF BENEFITS (EOB) statement from your insurance company explaining the charges they received. This is NOT a bill.
Please wait for a statement/bill from ISC before submitting a payment after surgery. Please remember, you will receive 2 bills or statements pertaining to the day of your surgery:
You will be responsible for 20% of the Medicare allowable charge for the facility and anesthetist’s fees at ISC. Your portion of the facility fee is due prior to surgery.
Determine the FACILITY FEE payment due prior to surgery.
Contact ISC at 715-738-1800 to confirm the 20% payment you will need to pay prior to surgery.
Understand the ANESTHETIST’S FEE due.
Your secondary insurance will likely cover the 20% co-insurance you are required to pay for Medicare. However, it is the patient’s responsibility to confirm this. If not covered, your portion of the facility fee is due prior to surgery.
Call your secondary insurance carrier using the number for Customer Service on the back of your insurance card.
If the secondary insurance company tells you they WILL cover the 20% Medicare co-insurance in full:
If the secondary insurance company tells you they will NOT cover the 20% Medicare co-insurance in full:
In the United States, there are thousands of different insurance plans available to patients from hundreds of insurance companies. The patient’s financial responsibility comes in the form of deductibles, co-insurance and co-pays. All deductibles, co-insurance and co-pays are due prior to surgery.
In most cases, it is impossible to determine what you will owe (if anything) without contacting your insurance company.
Review the insurance plan information you receive from your insurance carrier. This information describes the items the insurance company has agreed to pay for and your financial responsibility, based on the contract you signed with the insurance company.
Call your primary insurance carrier using the number for Customer Service on the back of your insurance card.
If you have additional/secondary insurance, call the insurance carrier using the number for Customer Service on the back of your insurance card.
Call Independent Surgery Center, LLC at (715) 738-1800 with the information you received from your insurance carrier(s).
Call Independent Surgery Center, LLC at (715) 738-1800 to request a quote for the facility fee portion of your upcoming surgery at ISC. All fees are due prior to surgery.
If you’d like to read further to understand our process, please download our brochure.DOWNLOAD BROCHURE