Patient Information

Payment / Insurance

Payment & Insurance

Great Lakes Orthopaedic Center requires payment of co-pays, deductibles and non-covered items on the day of your visit. Please contact your insurance carrier to verify your benefits prior to your appointment. For your convenience we accept cash, check, Visa, Mastercard, Discover, and American Express.

We participate with the following insurances:

Most insurance companies include their contact information on the back of the insurance card.

If we do not participate with your insurance company, we will bill them one time as a courtesy. You are responsible for any amount they do not pay.

Patients who do not have insurance will be required to pay a deposit of $150 at their initial visit, and will meet with a member of the billing staff to make arrangements for any remaining balance. Payment for surgeries or further treatment will be discussed at that time.

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For your convenience, we do offer payment plans for large balances through CareCredit. Please visit for more information.

For Michigan Worker’s Compensation claims, we will require written authorization from the Work Comp Insurance Carrier prior to scheduling an appointment. Authorization for surgery, physical therapy and other services may also be required. Out-of-state work comp claims are not accepted.

Auto Insurance claims will require written verification from the Auto Insurance Company prior to scheduling an appointment.

Some insurance companies consider injections, office procedures and fractures as surgery. Please contact your insurance company to verify how these will be covered.

If you have questions regarding your billing or insurance, please call the Billing Department at 231-929-5769. We accept cash, check, MasterCard, VISA and AmericanExpress.

Physical Therapy Benefits

Questions to ask your insurance company prior to receiving treatment:

  1. Is physical therapy a covered benefit?
  2. Does physical therapy require an authorization?
  3. How many physical therapy visits do I have?
  4. How many have I used?
  5. What is my co-pay or co-insurance for each visit?
Unfortunately, as a physician practice, we are not an authorized Physical Therapy provider for Medicaid patients due to Medicaid policy.

Surgery Billing

It is highly recommended that you contact your insurance carrier to verify your benefits and out-of-pocket costs prior to orthopaedic surgery. If a preauthorization is needed, our Billing Department will contact your insurance company and verify your coverage.

The fee charged by Great Lakes Orthopaedic Center for your surgery includes the physician’s fee for performing the procedure as well as normal follow-up visits for 90 days. X-rays, procedures, physical therapy, and bracing or supplies during the pre- or post-op period will be billed separately. Office visits for unrelated conditions will be billed separately as well.

Your surgery may also require the assistance of a Physician Assistant or Nurse Practitioner, which is charged at 20% of the surgical fee. Some policies do not cover this service. Please contact your insurance carrier to verify if this is a covered benefit.

For information on facility and anesthesia charges, please call:

Munson Medical Center, 231-935-5000

Northwest Michigan Surgery Center, 231-392-8900

Traverse Anesthesia Associates, 231-935-5770

Fracture Care Billing

According to billing guidelines, fracture care is billed as a “package” or “global” service.

This means that at the time of initial treatment the charge includes:

Items not included in the fracture care charge:
  • X-rays
  • Casting/splinting supplies or bracing
  • Any replacement cast or splint
  • The evaluation of any unrelated problems or injuries
  • Physical Therapy
Please call our office or your insurance company if you have any questions regarding how your services were billed.

Non Covered Services

Some services provided by Great Lakes Orthopaedic Center may not be covered, either partially or entirely, by certain health insurance programs. Patients will be billed by our office for those services. We suggest that patients contact their insurance company to verify coverage for specific services.

You may be asked to sign an ABN (Advance Beneficiary Notice) for any service or product that may not be covered by insurance. Your signature acknowledges that you will be held personally and fully responsible for payment.

Personal Record Services

Great Lakes Orthopaedic Center can provide further information for your personal records. Please be aware that additional charges may apply and insurances may not cover these charges.