In order to best serve the needs of our patients, The Stone Clinic is an out-of-network, fee-for-service provider.
We accept all major forms of payment, including CareCredit, at the time of your visit.
Monthly payment options are available through CareCredit. You may finance your treatment with manageable monthly payments ranging from 6 to 60 months. You may use the payment calculator to find out your options.
After your initial examination and before treatment, we suggest all patients contact their insurance carriers directly to obtain coverage information. Covered procedures will vary with each insurance company.
For your convenience, you will be given an itemized receipt when leaving the office, which you send directly to your insurance company for reimbursement. If you prefer, your surgical bills can be submitted to your insurance carrier by a third party billing service at no extra charge.
We have opted-out of Medicare, which means our services are not covered by any type of Medicare or Medicare supplemental insurance policies. However, Medicare and Medicare supplement policies often cover the facility and anesthesiology charges associated with surgery.
Please contact our office at +1(415) 563-3110, if you have any questions. We are always happy to help patients figure out the best financial option.
Frequently asked billing questions
What is the difference between an in-network provider and an out-of-network provider?
An in-network provider is one contracted with a health insurance company to provide services to plan members for specific pre-negotiated rates. An out-of-network provider is not contracted with the health insurance plan.
Why are you out-of-network? Why don’t you accept my insurance?
The Stone Clinic is an out-of-network provider, which means we are not contracted with any insurance companies and, therefore, do not bill insurance for our services. Contracted, or in-network providers, are only allowed to perform procedures that your insurance company has determined are the preferred method of treating your injury.
The guidelines of your specific insurance policy may exclude coverage for certain procedures, even when your physician or surgeon has determined they are the best option to relieve your symptoms and provide a long-term, successful outcome. We believe your surgeon should decide the best treatment for your injury or symptoms, not your insurance company. The Stone Clinic has chosen not to contract with any insurance companies in order to have the freedom to perform the most technologically advanced orthopaedic surgery procedures available and provide an exceptional patient outcome and experience.
Do you accept my insurance plan?
The Stone Clinic is an out-of-network provider, which means we are not contracted with any insurance companies and, therefore, do not bill insurance for our services. Our patients make payment-in-full for our services at the time they are received, then submit their own claims directly to their insurance companies for reimbursement. At the end of your consultation, we will provide you with an itemized receipt, which can be submitted to your insurance company for reimbursement.
For surgical services, we contract with a medical billing service that acts as a Patient Advocate by submitting surgical claims on your behalf and communicating with your insurance company to ensure you receive the highest possible reimbursement based on your out-of-network benefits.
If you have out-of-network coverage, you will be reimbursed directly by your insurance company according to your plan’s specific out-of-network benefits. To inquire about your specific insurance coverage, you may call the Customer Service phone number listed on your insurance card for a detailed explanation of your policy.