Patient Information

To help you prepare for your visit to Crystal Lake Orthopedics, we have provided some information about your visit in addition to valuable insurance information.

Complete Forms and Disclosures Before Your Appointment

Insurance Information

Crystal Lake Orthopedics participates with most national and local insurance plans. It is the responsibility of you, the patient, to understand your insurance policy, benefits and limitations. As a courtesy to you, we will file a claim with your insurance company for benefits. Updated insurance information is required at the time of your visit. If you do not provide us with a current/active insurance card, Crystal Lake Orthopedics will ask you to reschedule your appointment. Based on your coverage, you will be responsible for any co-payments, co-insurance, or other amounts due.

Insurance and Patient Responsibility
  • Please understand that insurance coverage is an arrangement between you and your insurance company, and that your insurance company may not provide full payment of your medical costs.
  • Prior to making an appointment, check with your carrier to verify we participate in your plan.
  • If your insurance plan requires you to obtain a referral from your primary care physician, it is your responsibility to obtain this referral prior to your scheduled appointment.
  • If your insurance plan requires a co-payment, this payment is expected at the time of service.
  • If you are scheduled for diagnostic testing or surgery, please check with your insurance company to determine if it requires you to obtain a pre-authorization or second opinion.

Participating Insurance Plans for Crystal Lake Orthopedics

  • Aetna
  • Allied Benefits
  • Blue Cross Blue Shield PPO
  • Cigna
  • HMO of Illinois (MCPO) Site 354
  • Humana
  • Medicare
  • PHCS
  • United Health Care
  • Workers’ Compensation
  • Mercy Physician Association (HMO)
  • Centegra Health and Wellness (HMO)

Participating Insurance Plans for Rockford Orthopedic:

  • Aetna
    • Commercial – PPO, POS, HMO
    • Medicare Replacement – PPO, POS, HMO
  • The Alliance
  • BCBS
  • Cigna
  • Coventry
    • Commercial – PPO, POS, HMO
    • Medicare Replacement – PPO, HMO
  • Coventry Select – Carelink
  • ECOH
  • First Choice
  • HFN
  • Humana
    • Commercial – POS, HMO, EPO
    • Medicare Replacement – PPO, POS, HMO
  • Northern Illinois Health Plans
  • Physicians Care Network (HMO)
  • OSF – Direct Access Network
  • Rockford College Discount Plan
  • United HealthCare
    • Commercial – PPO, POS, HMO
    • Medicare Replacement (effective 9/1/13)
  • UIC Campus Care
  • Government Plans
    • Medicare
    • Illinois Department of Public Aid
    • Meridian Health Plans (Public Aid HMO)

Therapy Only Participating Insurance Plans

  • Align Networks

Comments are closed.