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Insurance/Billing Info

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Your resource for information about policies, coverage, and billing.

Infinite Health Collaborative (“i-Health”)

Infinite Health Collaborative (“i-Health”) is a group of independent physician practices who have joined together to offer a solution for your healthcare needs. Our goal is to provide a network of physicians that are closely aligned to collaborate on your care. Twin Cities Orthopedics (“TCO”) is proud to partner with other independent physician groups in Minnesota and western Wisconsin. The orthopedics division of i-Health will continue to operate under the Twin Cities Orthopedics name, however all of your billing and insurance explanation of benefits (EOB) will display the legal business name of “Infinite Health Collaborative.”

Pay Bills Online

TCO/i-Health makes it easy and convenient to pay your bill.  From the main page of our website, click on the Pay Bill link at the top of the page.  You can pay online by eCheck, VISA, American Express, MasterCard or Discover.  Be sure to have your statement and payment method readily available when making your payment.

If you have any questions regarding your billing statement, please call our Customer Service Team at 952.512.5625.

Insurance, Hospitals & Billing

TCO/i-Health accepts a wide range of health plans.  We encourage you to check with your insurance to make sure your health plan provides coverage for your care with us.

Insurance benefits have become very complex in the last several years.  Your benefit plan may only limit you to treat with a subset of contracted providers.  In addition for patients that may require surgery, TCO/i-Health may be in-network with your insurance plan but the surgical facility may be out-of-network. Due to the complexity of insurance benefits, TCO/i-Health requests that all of our patients contact your insurance if you have any questions regarding in-network providers offered by your insurance plan.  If TCO is contracted with your plan but the surgical facility is not in-network, we may recommend transferring your care to another TCO surgeon, or, in some cases, an orthopedic surgeon outside of TCO.

Hospitals & Same Day Surgery Centers

Our physicians perform surgeries at more than 20 hospitals and same day surgery centers located throughout the Twin Cities Metro area and beyond.  While TCO physicians are on staff at many hospitals and same day surgery centers, not all physicians are on staff at all hospitals and all surgery centers.  It is important to inquire which facilities your physician performs surgeries at in case you need to be close to home or family after your procedure.  In addition, it will be important for you to confirm that the surgical facility location is also in-network with your insurance.

Billing/Financial FAQ

As a patient of TCO, you may have questions regarding your bill. We have listed some common questions and answers for you that will help explain and provide additional information about your bill.

Q. I received services at TCO.  Why does my explanation of benefits (EOB) and statement indicate services were provided by Infinite Health Collaborative?

A. TCO is one of multiple physician practices that operate under the legal business name of Infinite Health Collaborative.  Although our legal business name has changed, we will continue to offer the comprehensive solution for your orthopedic care.  TCO will continue to be operate under the name “Twin Cities Orthopedics” even though our legal business name has changed.

Q. When will I receive my first statement?

A. TCO will submit a claim on your behalf to your insurance carrier. After your insurance provider processes your claim, TCO will send you a statement outlining any out-of-pocket costs you may have. Your statement will include any deductibles and/or co-insurance amounts you may owe. You will receive a statement approximately 30 days after you receive services. Co-payments are due at the time of service.

Q. Should I bring my insurance card with me?

A. Yes, TCO will need the information on your insurance card to correctly file a claim with your insurance company. You will be asked to present your insurance card at each visit.

Q. Do I need a referral?

A. The need for a referral differs by insurance plan. Please contact your insurance company directly prior to scheduling an appointment to inquire whether TCO is in-network for your health plan. Obtaining a referral is the responsibility of the patient.

Q. Do I need a prior authorization?

A. The need for a prior authorization differs by insurance plan and the type of procedure or service being provided. TCO will initiate the prior authorization request from your insurance company for you; however, it is your responsibility to make sure that you have prior authorization before receiving certain health care procedures and/or services.

Q. Why didn’t my insurance company cover my entire bill?

A. Out-of-pocket expenses are determined by your insurance plan during claim processing. These amounts may include co-payments, deductibles, and/or co-insurance. If you have questions or don’t agree or understand the amounts you owe, please contact your insurance company directly as they determine patient responsibility amounts for any services provided to you based on your insurance plan contract.

Q. When do I become responsible for my bill?

A. You are responsible for your bill at the time you receive services from TCO. We will work with you and your insurance company to get all eligible benefits processed in a timely manner. We will send you a statement approximately 30 days after you receive services for any patient responsibility amounts you may owe.

Q. I have received my first statement and I am not able to pay my entire balance.  Does TCO/IHC allow flexibility in payment terms?

A. While TCO encourages patients to pay in full after your first statement, we understand that some may need flexible payment options.  TCO does offer some limited payment plans based on your balance.  Length of time allowed is also based on your balance.  If you need greater flexibility than what TCO can offer, we do have a relationship with Care Credit.  More information on Care Credit can be found on our website.

Q. Is there a charge for Medical Supplies given at my visit?

A. Depending on the type of supply, there may be a charge associated with it. Not all supplies are considered covered benefits by your plan, however many are.

Q. What is fracture care?

A. Fracture care includes the treatment of the fracture, the first cast or splint applied and all follow-up visits during the global period (except for any complications). Typically, global periods are 90 days beginning from the first date-of-service for care of the fracture. Fracture care is billed as a “package” or global service meaning there is one charge that includes various components of caring for your fracture. Please note: There are some supplies and/or services that are billable in addition or are not included in fracture care (e.g., x-rays). If you have any questions, please contact our Customer Service Team at 952.512.5625.