Insurance Information

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Insured Patients

The Ryu Hurvitz Orthopedic Clinic offers patients insurance coverage under a number of participating providers. Due to the changing insurance industry and multiple plans offered by each carrier, it is best to confirm your participation by calling your insurance company directly.

Please have the following insurance and identification information available at the time of your visit:

  • Insurance identification card
  • Driver’s license or valid ID
  • If you have a health plan that requires its own insurance claim form, please provide us with a signed and completed form
  • Referral or authorization letter, if needed

If you are insured, Ryu Hurvitz Orthopedic Clinic will bill those insurance plans with which we have an agreement. We recommend you contact your insurance company directly prior to any service so you understand your allowable benefits. If you have a PPO or HMO insurance plan, we will collect the required co-payment, co-insurance and any deductible due at the time of the visit.

In the event your insurance carrier determines a service to be “non-covered,” we will bill you any amount not paid by your insurance within 30 days, and payment is due upon receipt of that statement.

No Insurance

If Ryu Hurvitz Orthopedic Clinic is not contracted with your insurance plan, it is our policy to collect 100% of the bill at time of service. If you are unable to pay your balance in full, you will need to make prior arrangements with our billing department.

Workers’ Compensation

For patients whose orthopedic injury is work related, you must provide our office with pertinent information, such as insurance carrier, claim number, date of injury, adjuster’s name, phone number and fax number before the appointment can be scheduled with our team.

The Ryu Hurvitz Orthopedic Clinic needs to receive authorization from your employer before we can process any medical claims. Failure to properly report your work injury to your employer may result in your claims being denied. Any denied claims will be your responsibility.

Billing Information

The Ryu Hurvitz Orthopedic Clinic requests payment at the time of service unless we are a preferred provider for your insurance company or employer. Since many insurance companies do not reimburse the total amount due, you will be responsible for any charges that are not covered under your plan.

Our office has the right to send you to collections for any patient balance that is still outstanding after three (3) monthly statements have been sent to you, or if any patient balance is still outstanding after six (6) months after insurance has processed claims, unless prior arrangements have been made.

Please contact our business office if you have any questions regarding your coverage or account balance at (805) 963-2729.