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Insurance Plans We Accept

We accept all insurance plans as long as in-network and out-of-network benefits are available. 

You will be contacted prior to your surgery with an estimated procedure cost for your surgery.  Northern Rockies Surgery Center does offer non-insured discounts if paid on or prior to the day of surgery.  Please note that these are estimated costs and additional procedures if performed by your surgeon will be billed to you along with any implants (i.e. screws, plates, mesh) or special supplies (i.e. drill bits, Arthrowand) that are used during your procedure.

Most Common Insurance Plans We Accept    

Other National Plans We Accept


Blue Cross & Blue Shield of (BC/BS)

We will submit your bill directly to Blue Cross & Blue Shield of Montana.  A bill will be sent to your secondary insurance upon receipt of payment or denial from BC/BS.  If you have no secondary insurance, a bill will be sent to you for any balance after receipt of payment or denial from BC/BS.  We must make a copy of each insurance card at the time of registration.

Medicare

We accept assignment of benefits.

We also accept Medicare HMO plans including:

  • Advantra Freedom
  • MedicareBlue (BC/BS)
  • Humana Medicare HMO
  • New West Medicare
  • Providence
  • Pyramid Life Insurance
  • Secure Horizons Direct
  • Sterling Life Option 1
  • Sterling Partners
  • Wellcare HMO

We must make a copy of each insurance card at the time of registration

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Medicaid

Montana Medicaid - Copay amount is due on or before the date of surgery.

Wyoming Medicaid - We must make a copy of each insurance card at the time of registration.

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Private Insurance

Your copay amount is due on or before the date of your surgery.  We will submit your bill directly to your private insurance company.  A bill will be sent to your secondary insurance upon receipt of payment or denial from your primary insurance.  If you have no secondary insurance, a bill will be sent to you for any balance after receipt of payment or denial from your insurance company.  We must make a copy of each insurance card at the time of registration.

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Auto Insurance/Worker’s Compensation

We will submit your bill directly to your auto insurance/employer/worker’s compensation insurance if your procedure is the result of an accident.  We must make a copy of your insurance card, be provided with your claim number, date of accident, and insurance claim address at the time of registration.  Worker’s compensation procedures must be pre-authorized by the Worker’s Compensation carrier prior to the date of the procedure.

Managed Care/Preferred Provider Organization (PPO)/Health Maintenance Organization (HMO)

We will submit your bill directly to your insurance company.  Your co-insurance and/or deductible amount is due on or before the date of surgery.  A bill will be sent to your secondary insurance upon receipt of payment or denial from your insurance.  If you have no secondary insurance, a bill will be sent to you for any remaining balance after receipt of payment or denial from your insurance carrier.  We must make a copy of each insurance card at the time of registration.

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SELF PAY

You will be contacted prior to your surgery with an estimated procedure cost for your surgery.  A down payment equal to 1/3 of the total estimated amount due is expected on or before the date of surgery.  You will be asked to complete a financial agreement.  The remaining balance will be due within 60 days from your date of service.  A 10% discount will be made to your account if you are able to pay the estimated cost in full on or before the date of surgery. 

 

SELF PAY – COSMETIC SURGERY  - ELECTIVE SURGERY

Payment in full must be received on or before the date of surgery.  No same-day discount can be made for a cosmetic surgery procedure.

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Our most common insurance plans are:

PAYER NAME

CONTRACT

Aetna

Health Infonet

AFS Insurance Services

First Health

Alaska Electrical Workers

Multiplan

Allegiance Benefit Management

Allegiance

Ameriben Solutions

Health Infonet

ASR Corporation  

Beech Street

Assurant Health

Assurant Health

AVMA Group Health

First Health

Bakery & Confectionery Union Benefit

Beech Street

Benefit Planers

First Choice of the Midwest

Blue Cross Blue Shield

Blue Cross Blue Shield of MT

Boilmakers National Health

First Health

Boulder Administration

Beech Street

Christian Care Medishare

Beech Street

Cigna

Health Infonet

CNIC Health Solutions

Beech Street

Consolidated Workers Association

Beech Street

Construction Industry Health & Wellness

Beech Street

Definity Health

United Healthcare

Deseret Mutual

First Health

EBMS (Not Group 800-Choice Care)

EBMS

Eighth District Electrical Benefit

First Health

Employee Paint Trust Health & Wellness

Health Infonet

First Administrators Inc

EBMS

First Choice Health Network

Health Infonet

First Choice of the Midwest

First Choice of the Midwest

First Health Network

First Health Network

Fiserv Health Benefit Planner

Health Infonet

Foreign Service Benefit Plan

Multiplan

Freedom Life Insurance

First Choice of the Midwest

Galaxy Health Network

Galaxy Health Network

GEHA

GEHA

Great West

Interwest

Great West Life & Annuity

Interwest

Group Administrators Ltd

Beech Street

Harrington Benefit Services

First Choice of the Midwest

Health Allies Inc

Multiplan

Health Dynamics

Health Dynamics

Health Infonet

Health Infonet

Health Net

First Health

Healthcomp

Beech Street

Healthsmart Preferred Care

Beech Street

Heartland Alliance of America

Beech Street

Humana Military Healthcare Service

Tricare

IEC Benefit Administrators

Beech Street

Interwest

Interwest

Ironworkers Intermountain Health & Wellness

First Health

John Alden Insurance

Assurant health

Laborers AGC Trust of MT

Multiplan

Lifewell Health Plans

Interwest

Mail Handlers

First Health

Masonry Industrial Trust Administrators

Beech Street

MBA of Wyoming Inc

Health Infonet

Medica

Multiplan

Medical Benefits Administrators

Interwest

Meritain Health

Interwest

Montana Association of Counties

Interwest

Montana Operating Engineers

Multiplan

Montana Retail Store Employees

Health Infonet

Montana Teamsters

First Health

Multiplan

Multiplan

MUST

Health Infonet

NALC Benefit Plan

First Health

National Health Insurance Company

Interwest

National Telephone Coop Association

First Choice of the Midwest

New West Health Service

New West

Northwest Administrators

Beech Street

Northwestern Energy

Interwest

Northwest Sheet Metal Worker

Health Infonet

P5 E Health Services Inc

Beech Street

Pacificare

United Healthcare

Performax

First Choice of the Midwest

PHCO TPA Services

Interwest

Planned Administrators

Beech Street

Postmasters Benefit Plan

Multiplan

Preferred One

Preferred One

Principle Life Insurance

Multiplan

Seminole Tribe of FL Health Plan

Beech Street

SCA Healthcare Plan

Beech Street

Sierra Health & Life Insurance

First Health

Sioux Valley Health Plan

Beech Street

Star Mark

Multiplan

State Farm Insurance

First Health

Strategic Resource Company

Beech Street

Superien Health

Interplan

SUQCES Employee Benefit

Multiplan

The Claims Trust

Beech Street

The Plan Handlers

Beech Street

Timber Products Manufacturing

Allegiance

Time Insurance Company

Assurant

Tri County Schools Insurance Group

Multiplan

True Choice USAC

First Choice of the Midwest

Trusted Plan Service

Health Infonet

Union Pacific Employee Health System

Multiplan

United Healthcare

United Healthcare

US Now

Beech Street

Utah Idaho Teamsters

First Health

Washington Idaho Employee Fund

Beech Street

Western Mutual

Health Infonet

William C Earhart Company

First Health

Winhealth Partners

Multiplan

World Insurance

Interwest

Zenith Administrators

First Health

 

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Other plans we participate with nationally are:

  • Banner Health Systems
  • Community Health Network
  • Comp First
  • Corvel, Inc
  • Exxon Mobile
  • Focus
  • Fortified Provider Network
  • Health Smart Preferred Care
  • HealthStar Inc.
  • Hines & Associates
  • Independent Medical Systems
  • Integrated Health Plan
  • Intergroup Services Corp
  • Health Systems
  • Preferred One

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If your insurance company is not listed, it may be considered to be part of one of the networks listed above.  Please call our office at 406-248-7186  and ask to talk with the billing department for more information.