Patient Resources

Insurance

We advise patients to contact their insurance company prior to appointments for information regarding coverage of surgical treatment. Call the Member Services number located on your insurance card.

  • Verify that you have active insurance coverage.
  • Obtain co-pay, co-insurance, and deductible amounts.
  • Verify the diagnosis meets medical necessity for procedure/testing and that procedure/testing is covered by the insurance company.

Ask the insurance representative the following:

  1. Are there any waiting periods for pre-existing conditions or exclusions on your policy for general surgery treatment?
  2. What the benefits are for procedures/testing performed in a specialist office (diagnosis and procedure codes are listed below).
  3. Does the policy require a referral from the primary care provider prior to coming to Muskegon General Surgery? If yes, contact your primary care physician prior to coming to the office.
  4. Does the policy cover prescriptions? All patients will likely require prescription medications.

We will provide a financial estimate outlining your treatment plan. The final cost may vary and the patient may owe more money or be due a refund at the conclusion of treatment. The estimate will only include services that are rendered by Muskegon Surgical Associates. Other services if provided by the hospital will not be included. A 50% deposit of the total estimate not covered by your insurance is due before any appointments are scheduled. The remaining balance is due 7 business days before the treatment/visit date.